Americans are feeling fairly secure in their jobs, they expect to continue to earn and spend more than they did pre-pandemic, and they think inflation isn’t getting much worse, according to new survey data released Tuesday by the Federal Reserve Bank of New York.

More Americans are worried about missing their credit card payments. If you're one of them, take these steps now.

Cards with these offers let you pay down new spending while avoiding interest charges for up to a year or longer, after which you'll be charged the card's regular variable APR. But do this only in a pinch -- if you can't pay off the balance before the introductory APR period expires, you could find yourself falling into a credit card debt cycle.

Credit card refunds allow you to get money back for a purchase made with your credit card, usually in the form of a credit to your account. Refunds can take five to 14 business days to process and may not be given in cash.

No matter how careful you are about your finances, carrying a balance on your credit cards can be a dangerous approach to take. With the average rate at nearly 23% currently, any credit card debt you have will quickly grow due to the interest charges,

Breaking up with your bank by cancelling a credit card can be stressful, but if done right it can open doors to other low APR opportunities