Credit has become the cushion many consumers need to handle daily expenses and unexpected costs. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter,...
When consumers ask for more credit, they’re not just seeking spending power—they are testing trust. The new PYMNTS Intelligence and Elan Credit Card report reveals how a single “yes” or “no” can redefine customer loyalty, shape financial confidence and even shift market share. Behind every...
A new study from the Federal Reserve indicates that it’s not income levels or ability to repay that drives banks’ willingness to extend credit. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content —...
Consumers are increasingly seeking flexible and convenient payment options, leading to the rising popularity of deferred payment plans such as credit card installment plans and buy now, pay later (BNPL) options. However, to fully unlock its potential, BNPL providers need to address certain demands and...
December 30, 2025
Credit limits have traditionally been treated as a mechanical feature of card programs: a numeric ceiling determined by algorithms, credit scores and internal risk thresholds. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, […]
November 13, 2025
Credit has become the cushion many consumers need to handle daily expenses and unexpected costs. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...
October 10, 2025
When consumers ask for more credit, they’re not just seeking spending power—they are testing trust. The new PYMNTS Intelligence and Elan Credit Card report reveals how a single “yes” or...
October 13, 2023
Consumers are increasingly seeking flexible and convenient payment options, leading to the rising popularity of deferred payment plans such as credit card installment plans and buy now, pay later (BNPL)...
May 05, 2020
Household debt has risen substantially in 2020 thus far, shooting up to $14.3 trillion, a number bypassing the height of the Great Recession by $1.6 trillion, according to a CNBC report that cited the New York Federal Reserve. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to […]
April 23, 2020
Hard times are hitting many people where it hurts – right in the credit cards they carry in their wallets or eWallets. Get the Full Story Complete the form to...
November 21, 2019
David Solomon, the CEO of Goldman Sachs, is denying claims that gender bias is apparent in the algorithm it uses to determine credit limits for applicants, according to a report...
November 12, 2019
Goldman Sachs has promised to reevaluate how credit limits are determined for Apple Card users after being accused of gender discrimination. Get the Full Story Complete the form to unlock...
