The TomoCredit Blog

A Fed rate increase doesn't require an economics degree to understand. Here's a practical framework for checking your card's APR and taking control of your debt.

ChatGPT gave surprisingly solid advice on how to build credit — but the more I read its answer, the more I realized it was giving information, not guidance.

When you search "credit cards for bad credit," you'll find a lot of options — some helpful, some expensive traps. Here's how to spot the red flags and choose a card that actually helps.

Building credit at 18 is one of the most empowering financial decisions you can make. Here's how to start, from student credit cards to becoming an authorized user.

As of Q3 2024, Americans are carrying a staggering $1.16 trillion in credit card debt—a new all-time high. Here's how to protect your finances without needing a finance degree.

The average American household carries over $8,000 in credit card debt. A large portion of it is tied to a lack of financial literacy and poor spending habits—here's how to break the cycle.

For many consumers, budgeting during the holidays can be challenging, especially with rising inflation. Buy Now, Pay Later provides a flexible and budget-friendly way to spread out costs.

With the holiday shopping season upon us, it's essential to get prepared so you can enjoy the festivities without experiencing a post-holiday financial headache.

Credit card delinquencies can create a ripple effect on your financial health. Here's what happens as delinquencies rise, and practical solutions to get back on track.

Millions of people every day are sent phishing emails or scam alerts, making online shopping one of the most prevalent places for your financial information to be compromised.

Many have fallen for the trending tumbler cup craze on TikTok. But with BNPL options, it's easy for GenZ to spend their money on microtrends without understanding the real cost of interest.

46% of credit card holders are currently carrying debt month-to-month due to inflation, and 50% of GenZ don't know and don't understand the APR linked to their debt.