Howard Dvorkin is recognized as a consumer finance expert in the industry. As such, he regularly speaks to major media outlets and news networks about consumer finance. Browse Howard’s latest contributions here to see what Howard has to say about today’s top personal finance news topics. Or, if you’d like to quote Howard in an upcoming piece you’re working on or conduct a full interview, please email info@howarddvorkin.com.

Denied: Many Americans have been turned down for credit in 2020
By: Allie Johnson
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November 23, 2020
A new poll from Bankrate shows 22 percent of U.S. consumers have had an application for credit rejected in the middle of the coronavirus pandemic because a credit card company, lender or landlord deemed their credit score too low.
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The future of credit card rewards
By: Barri Segal
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November 17, 2020
|creditcards.com
Never underestimate the power of credit card rewards – you can use them to travel, buy merchandise or gift cards, and even get cash back for your everyday purchases.
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What is an APR?
By: Mayra Paris
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October 13, 2020
|Money
The Annual Percentage Rate (APR) is a measure of how much it will cost you to borrow money. APR is used for credit cards and loans of all kinds, and it combines the interest you will pay throughout the year plus any fees, expressed as a percentage of your principal loan amount. APRs are useful when it comes to comparing offers from different lenders.
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Stolen Data Not Fetching Much Cash on Dark Web, Reports Show
By: Nora Macaluso
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October 8, 2020
|Digital Privacy
It’s common knowledge that the costs, in time and in money, associated with having one’s personal information stolen can be devastating. Perhaps what’s surprising is how little that information brings when it’s sold: in many cases, next to nothing, according to companies that track prices on the dark web.
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While the Federal Reserve Keeps Interest Rates Near Zero, Retail Store Credit Cards Charge High Rates
By: Palash Ghosh
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October 5, 2020
|International Business Times
Despite historically low interest rates from the Federal Reserve, many retail store credit cards still charge inordinately high annual percentage rates, or APRs.
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Don't let FOMO guilt you into overspending for holiday gifts
By: Sheryl Nance-Nash
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September 30, 2020
|Newsday
Nothing has been normal about 2020. The holidays will be different too. With financial uncertainty, qualms about traveling and the coronavirus still ever present, should you change your approach to the holidays?
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