The hidden cost of junk fees
When we shop, we often look at the cheapest advertised price. But the true price may include junk fees. Learn the most common types and share how these fees impact your financial life.
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El costo oculto de las tarifas inesperadas
Cuando compramos, a menudo miramos el precio anunciado más barato. Pero el precio real puede incluir tarifas inesperadas. Conozca los tipos de tarifas inesperadas más comunes y comparta cómo estos cargos afectan su vida financiera.
التكلفة الخفية للرسوم المفاجئة وغير المتوقعة
عندما نتسوق كثيرا ما نبحث عن أرخص سعر معلن، ولكن السعر الحقيقي قد يتضمن رسوما مفاجئة وغير متوقعة. فتعلـّم عن أكثر أنواع الرسوم المفاجئة وغير المتوقعة شيوعا وشارك آراءك حول مدى تأثير هذه الرسوم على حياتك المالية.
垃圾費的隱含費用
當我們購物時，我們經常會查看最便宜的廣告價格。但實際價格可能包括垃圾費。瞭解最常見的類型並分享這些費用如何影響您的財務生活。
Sự ảnh hưởng của phụ phí ẩn
Khi mua sắm, chúng ta thường tìm giá thấp nhất theo quảng cáo. Nhưng giá thật có thể bao gồm phụ phí. Tìm hiểu các loại phổ biến nhất và chia sẻ mức độ ảnh hưởng của các loại phí này đến tài chính của quý vị.
Americans pay $120 billion in credit card interest and fees each year
From 2018 to 2020, the CFPB estimates that Americans paid roughly $120 billion per year in credit card interest and fees. That works out to about $1,000 per year for every American household.
Making Ends Meet series: Consumer finances during the pandemic
New analysis in our Making Ends Meet series shows consumers’ finances improved during the pandemic as pandemic policies protected consumers.
The LIBOR index for adjustable-rate loans is being discontinued: here’s what to watch for
Adjustable-rate mortgages, student loans, HELOCs, reverse mortgages and credit cards that are tied to a LIBOR index, which is expiring. Learn how this change could impact your interest rate.
Credit access declined during the pandemic for credit cards, but increased for mortgages and auto loans
Since April 2020, Access to new credit cards has decreased, but access to mortgages and auto loans has increased since the start of the pandemic.
Credit card limits are rising for most groups after stagnating during the pandemic
Since April 2020, credit limits on credit cards largely stagnated, but have risen in recent months for most credit score groups.
Credit card use is still declining compared to pre-pandemic levels
Since April 2020, credit card balances and utilization rates have continued to decline, and the share of credit card borrowers that carry a balance rather than pay in full have also declined.
Trends in Reported Assistance on Consumers’ Credit Records
Since July 2020, consumers have transitioned out of assistance to varying degrees across all credit products, but a significant share of mortgage borrowers continue to receive assistance.
Delinquencies on credit accounts continue to be low despite the pandemic
New CFPB research examines trends in consumer credit during COVID-19, finding delinquencies for credit cards, auto loans, mortgages, and student loans remain lower than pre-pandemic levels.
Consumer use of payday, auto title, and pawn loans
A new analysis in our Making Ends Meet survey series looks at how consumers use payday, auto title, and pawn loans.
Credit applications remain depressed for credit cards and auto loans
Consumer credit markets in September were still far from their normal operation prior to the pandemic. This blog posts compares the actual volume of credit inquiries to their usual pre-pandemic volume. Credit card and auto loan inquiries remain depressed, while new mortgage inquiries are above their usual level.
Credit card debt fell even for consumers who were having financial difficulties before the pandemic
We use the Bureau’s Making Ends Meet survey to study whether financially vulnerable consumers have turned to credit card debt during the coronavirus pandemic.
New report explores the prevalence of actual payment information in consumer credit reporting
This quarterly consumer credit trends report explores the prevalence of actual payment information in consumer credit reporting.
Credit card debt during coronavirus: Relief options and tips
If you can’t pay your credit card bill because of the coronavirus pandemic, call your credit card company and ask about financial relief. We have tips on what to ask and what your options may be.
La deuda de tarjeta de crédito durante la pandemia del coronavirus: opciones de alivio y consejos para manejarla
Si no puede pagar su tarjeta de crédito por el coronavirus, llame a la compañía y pregunte por alivio financiero. Tenemos consejos y cuáles opciones existen.
Tips to stay on top of your finances during the coronavirus pandemic
Tips for staying on top of your finances during the coronavirus pandemic, particularly if you’ve dodged income loss or major expenses.
新冠病毒疫情期間掌控財務的提示
有關新冠病毒疫情期間掌控財務狀況之提示，特別是在您未遭受收入損失或大筆支出的情況下。
Consejos para mantenerse al tanto de sus finanzas durante la pandemia de coronavirus
Consejos para que se mantenga al día con sus finanzas durante la pandemia del coronavirus, particularmente si no ha perdido sus ingresos o no ha tenido grandes gastos.
Những cách thức để quản lý tài chính của quý vị trong đại dịch coronavirus
Lời khuyên giúp quý vị luôn nắm bắt tốt thông tin tài chính của mình trong đại dịch coronavirus, đặc biệt khi quý vị không mất thu nhập hay phải chi tiêu các khoản tiền lớn.
코로나바이러스 팬데믹 기간 동안 재무관리 방법
특히 소득 손실이나 막대한 지출을 피했을 때 코로나바이러스 팬데믹 기간에 재무 관리를 잘하는 팁.
Mga payo upang manatiling maging maagap sa inyong mga pananalapi habang nagaganap ang pandemic na coronavirus
Lời khuyên giúp quý vị luôn nắm bắt tốt thông tin tài chính của mình trong đại dịch coronavirus, đặc biệt khi quý vị không mất thu nhập hay phải chi tiêu các khoản tiền lớn.