Credit news and trends

Credit Data Shows Spending Discipline as Card Balances Rise
Consumer Finance // February 06, 2026

The Federal Reserve’s latest consumer credit data points to a familiar seasonal pattern, with revolving balances moving higher as households navigated year-end expenses and holiday purchases. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...

AmEx Debuts Flexible Payments for Small Businesses
Credit Cards // February 05, 2026

American Express (AmEx) has debuted its Flexible Payment Option (FPO) for small businesses. 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, PYMNTS Today. By...

Equifax Says AI Tools Help Drive New Product Innovation to Record High
Earnings // February 04, 2026

Equifax used its cloud and artificial intelligence resources to help drive innovation and efficiencies across its operations in 2025, Equifax CEO Mark Begor said Wednesday (Feb. 4) during a fourth-quarter and full-year earnings call. Get the Full Story Complete the form to unlock this article...

PicPay Takes Its Credit Strategy to Wall Street With US IPO
Mobile Wallets // February 02, 2026

Watch more: Monday Conversation with PicPay’s Eduardo Chedid 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, PYMNTS Today. By completing this form, you...

Interviews & Exclusives
Half of Retail Small Businesses Rely on Daily Sales to Stay Afloat

February 12, 2026
A growing share of retail small businesses are not planning for the next downturn so much as financing their way through the next week, and PYMNTS Intelligence data showed just how thin that margin has become. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS […]

Credit Data Shows Spending Discipline as Card Balances Rise

February 06, 2026
The Federal Reserve’s latest consumer credit data points to a familiar seasonal pattern, with revolving balances moving higher as households navigated year-end expenses and holiday purchases. Get the Full Story...

PicPay Takes Its Credit Strategy to Wall Street With US IPO

February 02, 2026
Watch more: Monday Conversation with PicPay’s Eduardo Chedid Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no...

Block Says Traditional Credit Scores Shut Out 100 Million Americans

January 27, 2026
For much of modern consumer finance, underwriting has relied on static credit files that offer a delayed view of financial behavior. Those bureau-based models, Block Chief Risk Officer Brian Boates...

Quick Reads
AmEx Debuts Flexible Payments for Small Businesses

February 05, 2026
American Express (AmEx) has debuted its Flexible Payment Option (FPO) for small businesses. 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, PYMNTS Today. By completing this form, you agree to receive marketing communications from […]

Equifax Says AI Tools Help Drive New Product Innovation to Record High

February 04, 2026
Equifax used its cloud and artificial intelligence resources to help drive innovation and efficiencies across its operations in 2025, Equifax CEO Mark Begor said Wednesday (Feb. 4) during a fourth-quarter...

Equifax Launches Machine-Learning Product That Detects First-Party Fraud

January 30, 2026
Equifax has launched a new machine-learning product designed to combat two forms of first-party fraud: loan stacking and credit washing. Get the Full Story Complete the form to unlock this...

White House Says Banks Could Offer New Kind of Credit Cards

January 16, 2026
White House National Economic Council Director Kevin Hassett said Friday (Jan. 16) that he expects big banks to offer “great new Trump cards.” Get the Full Story Complete the form...