Did you know that credit card payment allocation is strictly regulated to benefit you? Under the 2009 CARD Act, banks are legally required to apply any amount you pay above the minimum to your highest-interest balance first. No phone calls or special requests required. Whether you’re juggling a promotional rate or high-APR purchases, federal law ensures your extra dollars work as hard as possible. Learn how Regulation Z protects your wallet and helps you stay debt-free faster

climbing out of debt is possible

Building a strong credit history isn't just about numbers; it's an act of self-care and empowerment.

When it comes to tackling debt, I'm a firm believer in the power of strategy.

Having established that credit cards are a good tool for building credit, it is important to note that banks are businesses and aim to maximize profit, and some of their practices can be detrimental to consumers. They do this in a number of ways, and they're not overtly transparent about them, naturally. Many practices are disclosed, though often in fine print or complex language, making them relatively inaccessible. While this may ensure their financial success as a bank, it