内容摘要："We'd be able to start showing people what they're using, not to charge by the usage, but just to show people what they are using.

"We'd be able to start showing people what they're using, not to charge by the usage, but just to show people what they are using.

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:This process appears to have broken down in my case - with no one at check-in or the boarding gate identifying the discrepancy between the name on the boarding pass and my passport.

So what went wrong, and who is Huw H? I tried to find out.Some internet sleuthing brought limited proof of Huw H's existence. I made a few attempts to contact accounts using his full name via various social media channels, to no avail. It's made me fear that he might not even exist.

I did manage to get in touch with someone with a similar name - Jonathan Huw H - who, it turns out, flew on a BA flight on 24 April, a day after mine, landing at Heathrow, so is it possible his name was somehow floating around in the BA system? "It's really worrying," Jonathan told me.My married name, which was on my booking confirmation and passport, begins with the letter H - though is very different to Huw H's surname. Could this have factored in?