I'm tempted by high online APYs, but is the extra interest worth the potential loss of flexibility? How do I balance higher rates against withdrawal limits and the risk of terms changing suddenly?
Private credit feels like a black box lately. With so little transparency, are regulators and large investors actually seeing the risks early enough? If losses are being hidden, could a sudden wave of defaults cause a total meltdown?
Starting out with zero credit is frustrating. Secured cards guarantee approval and help build your credit score quickly. Is it better to start with them? I’d rather put down a deposit than keep getting rejected for unsecured cards.
@Mark Tap-to-pay is so easy that I can't imagine switching. What would it actually take for me to use QR codes instead? Is there a security level or rewards program that justifies the extra effort?
