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7+ hour, 57+ min ago (117+ words) Founded in 2004, Seeking Alpha is an industry-leading financial research platform powered by one of the world's largest investing communities. We bridge the gap between financial information and actionable insight by providing unrivaled coverage on all asset classes and access to best-in-class tools. From in-depth analysis on thousands of stocks to timely investment ideas and market-beating Quant ratings*, Seeking Alpha is an essential resource for millions of investors globally. U.S. credit card net charge-offs jumped in November, while delinquencies barely moved, in a sign that lenders generally were writing off losses rather than seeing new stress build toward the end of the year. The average net charge-off rate climbed...

10+ hour, 53+ min ago (1432+ words) Whether you're running a delivery fleet, managing field service teams, or building a new business, the right gas credit card transforms unavoidable fuel costs into profit opportunities while giving you complete spending control. In this guide, Ramp compared the top business gas, fleet, and fuel cards by rewards, savings, and control features'so you can quickly find the right fit for how your business fuels and operates. A company gas card'also known as a fleet gas card'allows employees to pay for fuel in company vehicles without using personal funds. These cards help track spending and remove the need for cash or reimbursement. Some advanced options even collect odometer readings and fuel usage data to improve efficiency and provide detailed analytics. Fleet cards, such as WEX, are designed specifically for companies that manage multiple vehicles and need features like driver IDs, per-transaction…...

11+ hour, 20+ min ago (360+ words) The Trump administration is imposing new limits for federal student loans starting on July 1, 2026 Continuing your education is already a decision that entails financial planning. Now, with the Trump administration's updated limits on federal student loans for professional and graduate students, there are some new considerations to factor into the equation. "Non-professional" graduate students can take out up to $20,500 per year, and up to $100,000 in total. "Professional" students can borrow double this amount, with limits of up to $50,000 per year and up to $200,000 in total. As of November, there are 11 degree fields eligible for the higher "professional" student loan limits, said CNBC Make It: However, it is worth noting that the "loan limit regulation is not final." The Department of Education is poised to "publish the regulation in its current form in the federal register in the coming months, where…...

13+ hour, 23+ min ago (248+ words) Having witnessed higher delinquencies in the unsecured loan business, lenders are increasingly shifting their focus towards growing their secured loan products such as gold loans, loan against property, loan against shares, among others, senior bankers say. CS Setty, Chairman at State Bank of India (SBI), says the shift from unsecured to secured loan has "definitely" happened, contributed partly because of rising gold prices. "Leaving that aside, there is a shift even in the SME lending from NBFC side. Moving from unsecured to secured loans. Unsecured personal loan growth has moderated after overheating in the industry. From SBI"s perspective, we have looked at the lines of business and devised models which are very sensitive to risk. If you look at our risk weighted assets, it is just 52-54 per cent," he said. According to credit bureau Experian, lenders" unsecured loans including…...

14+ hour, 9+ min ago (417+ words) Updated - December 17, 2025 06:46 pm IST The quality of microfinance loans has been improving since December 2024, with the ratio of delinquencies falling steadily since then and coming in at a four-quarter low in the September 2025 quarter, according to the latest Quarterly Microfinance Report by microfinance self-regulatory body Sa-Dhan." For example, the ratio of loans outstanding more than 90 days after their due date has fallen to 3.27% in the quarter-ended September 2025 from 4% in the December 2024 quarter. "The microfinance sector has shown steady improvement since December 2024, signalling the start of its recovery after an extended period of pandemic-induced financial stress," the report said." Loan stress is categorised into several buckets and is measured in terms of the percentage of the Portfolio at Risk (PAR) in each of these stress buckets. For example, the share of the overall portfolio that is more than 180 days past due…...

15+ hour, 23+ min ago (236+ words) Two popular platforms in the DIY credit improvement space are CreditBuilderIQ and Dispute AI. Below is an in-depth comparison of what each service offers and which one is the best choice for consumers who want to improve their credit quickly." CreditBuilderIQ is a credit improvement platform that focuses on helping consumers build their credit fast. Unlike tools that only generate disputes, CreditBuilderIQ takes a full financial intelligence approach designed to help users understand their credit, strengthen their credit profile, and build positive payment history. CreditBuilderIQ delivers value through: Dispute AI is a DIY credit repair tool built around artificial intelligence. Its core focus is automating the credit dispute process. Dispute AI identifies potential inaccuracies, generates dispute letters, and offers a simplified way to send disputes to the major credit bureaus. Features include: When comparing CreditBuilderIQ and Dispute AI, CreditBuilderIQ is…...

16+ hour, 23+ min ago (208+ words) [SIM card on a background of the American flag, symbolizing mobile connectivity and patriotism in the United States.][SIM card on a background of the American flag, symbolizing mobile connectivity and patriotism in the United States.] (Note: Thank you for supporting businesses like those presenting a sponsored message below and ordering through the links below, which benefits Gateway Pundit. The post Tackle Your Debt And Earn Massive Cash Back With This Card appeared first on The Gateway Pundit. [SIM card on a background of the American flag, symbolizing mobile connectivity and patriotism in the United States.] Every month, millions of Americans are overpaying because of sky-high credit card interest " money that could stay in their pockets instead. By transferring your balance to a 0% intro APR card, you can finally make progress paying off debt instead of watching it grow. On…...

17+ hour, 41+ min ago (590+ words) Short-term financial gaps can appear unexpectedly, but are easier to navigate today than ever before. With fast approvals, minimal documentation, and flexible usage, they offer individuals a reliable way to bridge temporary financial gaps without unnecessary stress. In today's fast-paced world, many borrowers prefer the convenience and speed of an'instant personal loan. By using a trusted personal loan app, borrowers are able to receive funding without ever needing to fill out any traditional extensive paperwork. Here's why more individuals turn to instant loans for short-term requirements: Here are the reasons why people often use instant financing to meet immediate needs, particularly: Instant personal loans can be approved in minutes and provided within hours. This feature makes them suitable for emergencies when there are no delays. You can use funds for any purpose (i.e., medical expenses, electronics purchases, travel expenses, school tuition,…...

18+ hour, 22+ min ago (477+ words) Empirical work on card and SME portfolios consistently shows that tree ensembles, such as gradient boosting and random forests, outperform logistic regression in terms of AUC and F1, especially when non-traditional features are introduced into the pipeline. Modern underwriting works best as a modular stack rather than a monolith. Core banking systems, bureau files, open banking APIs, and external providers from telecom, utilities, e-commerce, and registries feed a unified intake layer. The goal is to have relevant financial and behavioral traces reside in a single, governed environment with lineage, quality checks, and near-real-time refresh. Raw records then convert into features that actually drive risk separation: cash-flow volatility, income proxies, spend clusters, device and session stability, repayment regularity, and network descriptors for SMEs. Teams treat this layer as a product with versioning, documentation, and clear ownership. Candidate models run on top: gradient-boosted…...

21+ hour, 53+ min ago (548+ words) India's economy grew at a faster-than-expected 8.2% in the last quarter, driven by manufacturing and services as well as a recovery in private consumption. The recent GST rationalization has helped boost consumption, but Index of Industrial Production data for the past six months points to weak rural consumer spending. Moreover, that growth was largely driven by capital-intensive and higher-skill sectors. As finance minister Nirmala Sitharaman prepares the next Union budget, her mandate is clear: the government must continue to stimulate demand without fiscal consolidation going awry. Liquidity in the hands of people and enterprises that need it most is the missing piece that could help sustain our growth momentum. Technology has a prominent role to play here, not just in data analytics for credit assessments, but also in nudging loan repayments. The next budget should thus focus on building momentum in…...