Page 23 of Credit Education and Personal Finance Articles | Credit One Bank

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<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"nextPageMobile":false,"nextPageNumberMobile":-1,"nextPageUrl":"/articles.24","prevPageNumber":22,"bottomArticles":[{"date":"Fri Jan 13 00:00:00 PST 2023","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2023/01/220845-CM-OpeningAnAcct-SEOA-FINAL.jpeg","previewDescription":"Whether you\u2019re opening your first bank account or you\u2019ve had several before, it\u2019s good to know what you need to take to the bank (or your computer) before starting the process. 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A worried young woman sits at a desk stacked with unpaid bills, her head in her hands, conveying financial stress as a Gen Z navigating debt and economic instability

Trends and Factors Affecting Generational Financial Trauma

The financial experiences people have early on, whether positive or negative, shape their relationships with money for life. They can affect how people handle paycheck deposits, savings accounts, bills, and credit cards well into adulthood.

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Close-up view of a credit card bill, showing the minimum payment due.

How Are Minimum Payments Determined?

If you own a credit card (or have read many of the finely-crafted, educational articles on Credit One Central), you are probably aware that there’s a minimum payment option on each credit card bill you receive.

Fun Facts & Stories

An invoice marked past due and a notification of an account being closed indicate a charge-off

What Is a Charge-Off?

Household credit card debt rose by $38 billion in the third quarter of 2022, reaching $0.93 trillion—which represents a 15% year-over-year increase of $121 billion—according to the Federal Reserve Bank of New York. Almost 3.7% of those credit card balances are now seriously delinquent, which means 90 days or longer past due.

A teller helps a customer open a bank account

What Do You Need to Open a Bank Account?

Whether you’re opening your first bank account or you’ve had several before, it’s good to know what you need to take to the bank (or your computer) before starting the process. Several official documents are usually required—like official ID and proof of residence—as well as an initial amount of money to deposit.

A man in a holiday sweater reviews his bills, appearing to be stressed about how to pay down his holiday spending debt.

Paying Down Debt from Holiday Spending

Even the best-laid budget plans can take a turn in the wrong direction around the holidays. The cost of gifts, decorations, food, events—even that weekly peppermint latte—can add up quickly. Then, before you know it, you’ve spent more than you ever planned to.

A jar of coins and money showing financial resolutions for the new year

Financial Resolutions for the New Year

Optimism can be contagious, but it doesn’t always seem to be that way when it comes to New Year’s resolutions. Every year, hopeful Americans resolve to change their lives for the better, and yet many goals fall by the wayside within months, or even just weeks.

Page 23 of 72

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.