Accredited Debt Relief

BNPL growth, essential spending, and merchant risks

16 clusters · 57 sources · last updated 7 days ago

Latest: US consumer spending on ‘buy now, pay later’ exceeds $160 billion

Buy‑now‑pay‑later (BNPL) has shifted from a niche add‑on to an expected checkout option. Providers advance the full sale amount to merchants, charging higher per‑transaction fees, while early placement on product, catego

Credit card debt and interest mechanisms

2 clusters · 8 sources · last updated 14 days ago

Latest: Credit card habits that increase debt levels

Credit card debt management is complicated by structural payment mechanisms and specific consumer behaviors. Minimum monthly payments are designed to prioritize interest charges over principal reduction, which makes it d

US household debt trends and consumer delinquency

11 clusters · 50 sources · last updated 18 days ago

Latest: US household debt reaches $18.8 trillion amid rising costs

In the second quarter of 2026, aggregate U.S. household debt declined by $13 billion to $18.8 trillion, the first quarterly drop since 2020. This was primarily driven by a $74 billion to $75 billion decrease in mortgage

U.S. credit usage for essential expenses

4 clusters · 7 sources · last updated 20 days ago

Latest: U.S. consumers increasingly use credit cards to pay rent

Recent surveys indicate a growing reliance on credit among U.S. small business owners and consumers to manage essential costs. A study of small and medium-sized business owners found that 41% regularly use personal cred