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About Never Opted In

Sep 23, 2026

About Never Opted In

We read the fine print so it's on the record — and here is how a claim makes it onto this site.

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Start Here

Sep 23, 2026

Start Here

The costs you never agreed to — and the ones nobody explained. Find your situation, then read the rule behind it.

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Card Balances Rose 37% for Borrowers "Finding It Difficult to Get By"

Sep 23, 2026

Card Balances Rose 37% for Borrowers "Finding It Difficult to Get By"

Federal Reserve survey data matched to credit records, 2023 to 2025: over $2,500 for struggling borrowers, $748 overall. Who's in the data.

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Your Bank Needs Your Opt-In Before Charging Overdraft Fees on Debit Card Purchases

Sep 23, 2026

Your Bank Needs Your Opt-In Before Charging Overdraft Fees on Debit Card Purchases

Regulation E's four conditions for ATM and one-time debit card overdraft fees — and the right to revoke. The text, and what it doesn't cover.

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Payments Above the Minimum Go to the Highest-APR Balance First

Sep 23, 2026

Payments Above the Minimum Go to the Highest-APR Balance First

Regulation Z sets the order your card issuer applies the extra payment — with two exceptions. The rule and its own worked example.

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Tickets and Hotels Must Show the Total Price Upfront — the FTC Fees Rule

Sep 23, 2026

Tickets and Hotels Must Show the Total Price Upfront — the FTC Fees Rule

Since May 12, 2025, mandatory fees for live-event tickets and short-term lodging belong in the first price you see. The rule's text and its limits.

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Affirm Loans Can Now Show Up on Your Experian Credit File

Sep 23, 2026

Affirm Loans Can Now Show Up on Your Experian Credit File

Including Pay-in-4, for loans issued from April 1, 2025. What Experian's announcement says — and what it doesn't cover.

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82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data

Sep 23, 2026

82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data

What the CFPB's 2014 payday lending report actually measured, how it defines "renewal," and how old the data is.

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