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Richard Horowitz

Richard Horowitz is a contributor focused on the credit card and consumer financial services industry. As SVP of Marketing, he works on strategies related to customer acquisition, lifecycle engagement, and customer communications. Richard writes about topics including credit card usage, consumer credit behavior, and financial habits—such as how individuals use credit in everyday situations, what may impact credit scores, and broader trends in spending, saving, and managing credit.

Posts By This Author

A businessman’s hands show an investment growth chart representing his profits, possibly made through high-yield CDs or bump-up CDs.

High-Yield CDs vs Bump-Up CDs

Lots of financial products are available, including numerous types of certificates of deposit (CDs). Here’s how they differ and the pros and cons of each.

A businessperson looks worried as they sit at their desk and look over financial documents for their business — several of them are crumpled up into balls.

Entrepreneur’s Guide to Economic Uncertainty

An economic downturn can impact businesses of all shapes and sizes, but it is often more difficult for entrepreneurs or small businesses to survive periods of economic

A young person with pink hair smiles as they hold their credit card up with one hand while pointing to it with the other.

How Millennials and Gen Z Handle Their Money

Since these generations are firmly in adulthood and making grand financial decisions, it is important to understand their money management habits, as it will allow for better

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.

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