The Ultimate Guide to Credit Cards
Tuesday, January 21, 2025
Andrew Allen
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About The Author

For nearly 20 years, Andrew has worked for financial institutions ranging from regional investment organizations to some of the largest banks in the world. At Wells Fargo, Andrew was a Consultant within the Insight and Innovation division. A graduate of the University of Georgia’s Terry College of Business, Andrew’s goal has been promoting personal financial wellness and solid money decisions.

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Latest Posts

109 posts written/edited to date
HELOCs May be More Attractive Than Credit Cards to Homeowners Seeking Financing at Low Rates

HELOC Interest is High on the Heels of Record Home Equity

Credit card issuers can lose customers to home equity lines of credit (HELOCs)... read more »

Andrew Allen 1/21/2025
Living a Life of Abundance is Possible With Support From a Group of Healthy and Successful Peers

Business Leaders Can Help Each Other Live Abundantly

A business executive’s life can feel like a never-ending series of meetings... read more »

Andrew Allen 1/21/2025
A Cap on Credit Card Annual Percentage Rates Could Severely Impact Issuer Strategies and Bottom Lines

A Cap on APRs Could Severely Impact Issuer Strategies

A proposed 10% cap on credit card Annual Percentage Rates (APRs) has created... read more »

Andrew Allen 1/20/2025
Businesses Can Find Innovative Banking and Payments Solutions Under One Fintech’s Roof

A Fintech Builds the Future of Business Banking

One of the first tasks on a new business’s to-do list is to establish a... read more »

Andrew Allen 12/19/2024
Fuel Cards Help Companies With Small Fleets Get Discounts on Fuel and Services to Keep on Trucking

Fuel Cards Allow SMBs to Save Cash and Keep on Trucking

Businesses must manage their expenditures to keep their operating costs in check... read more »

Andrew Allen 12/17/2024
Proactive Customer Care and Innovative Solutions Help Customers Win With This Fleet Card Provider

Fleet Cards Put Businesses on the Road to Savings

Cutting costs is always on a business’s to-do list, and fuel is a significant... read more »

Andrew Allen 12/16/2024
Vehicle Reimbursement Solutions Allow Businesses to Save Money, Reduce Admin Burden, and Satisfy Staff

Save Money With Vehicle Reimbursement Solutions

Managing a vehicle reimbursement program can be an onerous and resource-intensive... read more »

Andrew Allen 12/13/2024
Businesses Can Bolster Their Bookkeeping Processes By Leveraging the Power of Industry Expertise and AI

AI and Human Expertise Bolster Bookkeeping Processes

The emergence of new technologies may threaten a business’s ability to compete, but... read more »

Andrew Allen 12/11/2024
What is a Credit Card Billing Statement? How to Read Your Monthly Account Summary

How to Read Your Credit Card Billing Statement

I had a friend once who eagerly awaited a reply from a university she applied to... read more »

Andrew Allen 12/9/2024
U.S. Immigrants Can Access Expert Insights and Educational Tools to Shorten the Road to Prosperity

Financial Education Can Lead to Wealth for U.S. Immigrants

If you consider moving to the other side of the city to be a hassle, imagine moving... read more »

Andrew Allen 11/21/2024
Gift Cards Awaken a Sleepy Customer Base, Spurring People to Spend and Engage More With a Business

Expand Customer Spend and Loyalty with Gift Cards

With so much competition for a consumer’s dollar, businesses can struggle to grow... read more »

Andrew Allen 11/20/2024
With Embedded Finance, Online Businesses Can Put Payments, Compliance, and Loyalty on Autopilot

Embedded Finance Solutions Encourage Customer Loyalty

In the world of eCommerce, businesses use any advantage they can to gain an edge on... read more »

Andrew Allen 11/14/2024
New Aeropay CCO Sarah Stapp Sees Big Potential in U.S. Account-to-Account Payments Market

New Aeropay CCO Sees Big Potential in A2A Payments

Account-to-account payments are poised for a breakthrough in the U.S. in the very... read more »

Andrew Allen 11/7/2024
Borrowers Can Leverage Their Car Equity to Access Credit Cards With Attractive Credit Limits

Leverage Your Car’s Equity to Open a New Credit Card

Your credit history can discourage lenders from approving you for credit cards with... read more »

Andrew Allen 10/29/2024
Gain Efficiency Via a Spend Management Platform Offering Corporate Cards and Seamless Integrations

Control Business Expenses With a Spend Management Partner

Businesses need to closely monitor and manage expenses to stay competitive in... read more »

Andrew Allen 10/29/2024
Financial Education is in a Credit Union’s DNA, Especially CUs Founded by Teachers

Financial Education is in a Credit Union’s DNA

Not all financial institutions are the same. While multinational banks may keep... read more »

Andrew Allen 10/8/2024
Kids Can Learn About Managing Finances Through Parent-Monitored Usage of Prepaid Cards

Prepaid Cards Help Kids Learn About Personal Finances

Managing money isn’t something that comes naturally to most kids. But parents... read more »

Andrew Allen 10/3/2024
Artificial Intelligence Helps Businesses Secure Customer Data and Combat Financial Fraud

Artificial Intelligence Helps Prevent Financial Fraud

The growth of artificial intelligence signals a future ripe with technological... read more »

Andrew Allen 10/1/2024
What is the Truth in Lending Act and How Does it Apply to Credit Cards?

What is the Truth in Lending Act?

Celebrated American philosopher and poet Henry David Thoreau never used credit in... read more »

Andrew Allen 9/30/2024
Private Credit Funds Provide Accredited Investors With Alternative Assets to Bolster Portfolios

Private Credit is an Alternative Asset Worth Exploring

People who want to protect their portfolios against conditions that cause an asset... read more »

Andrew Allen 9/24/2024