The Cards Guy

2025 has been a major year for credit card regulation. From renewed fights over late fees and swipe fees to new attempts at capping interest rates, Washington is reshaping how credit cards work — and how you pay. Here’s what’s changing, what’s being debated, and what it all means for your wallet. 1. The $8 […]

Capital One just made it harder to stack big bonuses from their two flagship travel cards. Historically, people would grab a Capital One Venture card, earn the welcome bonus, then (after some time) apply for the Venture X and earn that bonus too — or do it in the other order. Capital One already had

Citibank is quietly running one of the richest bank bonuses in the market right now: up to $2,000 cash when you open a new CitiBusiness checking account and keep money parked for 60 days. You do have to apply in-branch, and you’ll need real balance to get the top tier, but there’s no direct deposit

Credit card APRs are at record highs—and delinquencies are climbing right alongside them. For millions of cardholders, that means debt is not just harder to pay down; it’s also becoming more expensive to carry. Here’s what’s really happening, why it matters, and how to protect yourself before balances spiral out of control. The 2025 Credit

BNPL and credit cards both let you spread out costs—but they work very differently for fees, protections, credit building, and risk. Here’s a clear, no-nonsense guide (with quick decision tools) so you can choose the right option for each purchase.   TL;DR Use BNPL for a single, small/medium purchase you can repay on a fixed

Artificial intelligence (AI) is quietly reshaping how we pay, borrow, and even earn rewards. In 2025, AI isn’t just a buzzword—it’s the hidden engine behind smarter credit card approvals, real-time fraud detection, and hyper-personalized offers that match your spending habits. Add flexible payment options like “Pay-Over-Time,” dynamic credit limits, and adaptive interest models—and you’ve got

Premium credit cards are back in the spotlight — and not just for the ultra-wealthy. From airport lounges and hotel credits to concierge perks and luxury partnerships, issuers are piling on benefits to justify annual fees that now stretch as high as $895. And consumers are biting. At The Cards Guy, we’re breaking down why

Holiday travel should be about joy, family, and festive celebrations—but the reality often includes canceled flights, long security lines, and the dreaded lost luggage. The good news? The right credit card can turn chaos into calm by offering travel insurance, perks, and protections that help you save both money and sanity. At The Cards Guy,

The final quarter of the year is crunch time for shoppers and retailers alike. Between Black Friday, Cyber Monday, holiday sales, and the post-Christmas clearance rush, consumers are bombarded with opportunities to save big. But deals aren’t just about flashy discounts — the smartest shoppers also take advantage of extended return policies, dynamic pricing, and

By Karl • The Cards Guy The holidays bring record sales—but also record disputes. Lost packages, buyer’s remorse, and even fraud spike during Q4, and that means chargebacks. The merchants who come out on top don’t just fight harder—they fight smarter. Here’s your full guide to winning chargeback disputes and protecting revenue this holiday season.