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Been turned down for a credit card? You're not alone: With rising delinquencies and a $1.18 trillion debt load, issuers have tightened underwriting standards and, in late 2025, about one in five ...
Nick Lioudis is a writer, multimedia professional, consultant, and content manager for Bread. He has also spent 10+ years as a journalist. Robert Kelly is managing director of XTS Energy LLC, and has ...