consumer credit

Subprime Card Denial Rate Is More Than Two Times the Super-Prime Rate
Subprime Card Denial Rate Is More Than Two Times the Super-Prime Rate
October 28, 2026  |  Consumer Finance

Consumers seeking to build credit can face a difficult cash decision: How much money they can afford to set aside before using a secured card....

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Plaid Launches Credit and Fraud Models Fueled by Cash Flow Data
Plaid Launches Credit and Fraud Models Fueled by Cash Flow Data
October 06, 2026  |  Consumer Finance

Plaid is adding new capabilities and artificial intelligence (AI) models to its network that powers digital finance, aiming to help financial firms with their decisions...

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Enova CEO Says Better Data, Not AI Hype, Will Decide Who Gets Credit
Enova CEO Says Better Data, Not AI Hype, Will Decide Who Gets Credit
August 07, 2026  |  Consumer Finance

Watch more: Need to Know With Enova’s Steve Cunningham Enova doesn’t want its customer relationships to end when the loan is repaid. That’s the larger...

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Why Buy Now, Pay Later Was Never Just About Credit
Why Buy Now, Pay Later Was Never Just About Credit
August 05, 2026  |  BNPL

I thought that would get your attention. The tale of two Lucys will make my point. Meet 22-year-old Gen Z Lucy. She’s buying a $120...

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Card Delinquencies Creep Up as Consumers Rely More on Credit
Card Delinquencies Creep Up as Consumers Rely More on Credit
July 26, 2026  |  Credit Cards

American card delinquencies ticked up in June amid a downturn in charge-offs at major banks. That’s according to the latest edition of Seeking Alpha’s Credit...

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OnePay and Upgrade Team on Personal Loan Program
OnePay and Upgrade Team on Personal Loan Program
July 20, 2026  |  Consumer Finance

Walmart-backed OnePay has teamed with fellow FinTech Upgrade to launch a consumer loan program. OnePay’s Personal Loans offering, announced Monday (July 20), is aimed at...

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Auto Refinancing Volume Doubles as Fed Cuts Rates
Auto Refinancing Volume Doubles as Fed Cuts Rates
June 28, 2026  |  Consumer Finance

The number of consumers who refinanced their auto loan in the first quarter nearly doubled compared to the same period two years earlier, The Wall...

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Meta Backs India’s Cred and Hires Founder to Run WhatsApp
Meta Backs India’s Cred and Hires Founder to Run WhatsApp
June 22, 2026  |  Facebook / Meta

Meta has invested $900 million in India’s Cred, and hired its founder to oversee WhatsApp. The deal values Cred at $4.5 billion, and gives Meta...

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Galileo Says Secured Credit Is Ready for Its Comeback
Galileo Says Secured Credit Is Ready for Its Comeback
June 22, 2026  |  Credit Cards

Watch more: Need to Know With Galileo’s Shankar Pandravada Secured credit cards, in theory, are a tremendously useful product, particularly for financially underserved consumers. But...

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