内容摘要：If you haven’t filed your 2021 tax returns you might be missing out on a COVID stimulus payment. Taxpayers who haven’t filed 2021 tax returns who may be eligible for the Recovery Rebate Credit must file it by April 15, 2025 to claim the credit.

If you haven’t filed your 2021 tax returns you might be missing out on a COVID stimulus payment. Taxpayers who haven’t filed 2021 tax returns who may be eligible for the Recovery Rebate Credit must file it by April 15, 2025 to claim the credit.

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.NEW YORK (AP) — When Mykail James was 19 and working a holiday job at Victoria’s Secret, she took out a store credit card with a $2,000 credit line.

When her school break was over, she realized she could no longer afford the payments. After missing a few, she paid off the card only to find that herhad decreased dramatically, affecting her ability to access other types of credit.“I didn’t get an actual bank credit card until I was 21, just because of that fear,” said James, who is now a financial expert and creator of The Boujie Budgeter. “Because of how it impacted my credit and also made it harder for me to buy a car a couple of months later.”

around the corner, experts recommend caution when your favorite store offers you a credit card.“If you’re offered one at the checkout counter, most of the time it makes sense to say no,” said Ted Rossman, senior industry analyst at Bankrate.

, outstanding credit card balances reached $1.14 trillion as of August 2024, meaning credit card debt is increasingly a concern for millions of Americans. Bankrate found that the average store-only credit card has an average annual percentage rate of 30.45%, significantly higher than the average APR of 20.78% for all credit cards. The APR is how much interest you’ll be charged if you can’t pay your balance in full every month.

Here are recommendations from experts when considering a store credit card:The foot-tapping grooves that weaved throughout this debut continue with “It Ain’t Easy,” “Funeral,” and

But the Atlanta-area native continues to find his bullseye with ballads.Teddy Swims poses for a portrait on Tuesday, Jan. 21, 2025, in New York. (AP Photo/Gary Gerard Hamilton)

Teddy Swims poses for a portrait on Tuesday, Jan. 21, 2025, in New York. (AP Photo/Gary Gerard Hamilton)“Are you even real / Or did I make you up? / How could someone like you / wanna give me love?” begins the