Ways to trim credit card costs as interest rates stay high
Published . Updated .
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Credit card debt is soaring, but experts say there are ways to lower costs and pay balances down faster.
Directly affected
- No company is named in this report.
Indirectly affected
- TLT iShares 20+ Year Treasury Bond ETF-1.2% 19d
iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story.
- IEF iShares 7-10 Year Treasury Bond ETF-0.1% 19d
iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story.
- XLF Financial Select Sector SPDR+1.0% 19d
Financial Select Sector SPDR: it holds banks. Linked by “credit” (banks) in this story.
- JPM JPMorgan Chase+0.1% 30d
JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
- BAC Bank of America-11.4% 30d
Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
- WFC Wells Fargo+4.4% 30d
Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- C Citigroup-5.6% 30d
Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story.
- DHI D.R. Horton+11.0% 30d
D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| TLT | +1.08% | +1.27% | base | after close | after close | after close | after close |
| IEF | +0.67% | +0.89% | base | after close | after close | after close | after close |
| XLF | +1.53% | -1.92% | base | after close | after close | after close | after close |
| JPM | +2.98% | -2.21% | base | after close | after close | after close | after close |
| BAC | +1.83% | -2.53% | base | after close | after close | after close | after close |
| WFC | +1.95% | -2.13% | base | after close | after close | after close | after close |
| C | +2.03% | -2.61% | base | after close | after close | after close | after close |
| DHI | +4.91% | +1.71% | base | after close | after close | after close | after close |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
Ways to trim credit card costs as interest rates stay high WCVB
Source: WCVB
Price since this story was published: Ishares Tr (TLT)
| Company | When | Move | Status |
|---|---|---|---|
| Bank Of America (BAC) | three days earlier | -2.53% | final price |
| Bank Of America (BAC) | five days earlier | +1.83% | final price |
| Citigroup (C) | three days earlier | -2.61% | final price |
| Citigroup (C) | five days earlier | +2.03% | final price |
| Horton D R (DHI) | three days earlier | +1.71% | final price |
| Horton D R (DHI) | five days earlier | +4.91% | final price |
| Ishares Tr (IEF) | three days earlier | +0.89% | final price |
| Ishares Tr (IEF) | five days earlier | +0.67% | final price |
| Jpmorgan Chase (JPM) | three days earlier | -2.21% | final price |
| Jpmorgan Chase (JPM) | five days earlier | +2.98% | final price |
| Ishares Tr (TLT) | three days earlier | +1.27% | final price |
| Ishares Tr (TLT) | five days earlier | +1.08% | final price |
| Wells Fargo (WFC) | three days earlier | -2.13% | final price |
| Wells Fargo (WFC) | five days earlier | +1.95% | final price |
| Select Sector Spdr Tr (XLF) | three days earlier | -1.92% | final price |
| Select Sector Spdr Tr (XLF) | five days earlier | +1.53% | final price |
Congressional trades in the stocks in this story
- Sen. John Boozman bought Ishares Tr (IEF) (jointly held), worth $1,001 - $15,000 on 9 Sep 2026. That is 62 days before publication. Filed 21 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a dependent child), worth $1,001 - $15,000 on 15 Oct 2026. That is 26 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Jpmorgan Chase (JPM) (held by a spouse), worth $100,001 - $250,000 on 8 Oct 2026. That is 33 days before publication. Filed 5 Nov 2026. View the filing.
- Sen. Sheldon Whitehouse sold Jpmorgan Chase (JPM) (held by a spouse), worth $15,001 - $50,000 on 4 Sep 2026. That is 67 days before publication. Filed 1 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 20 Oct 2026. That is 21 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a dependent child), worth $1,001 - $15,000 on 13 Oct 2026. That is 28 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna sold Bank Of America (BAC) (held by a spouse), worth $1,001 - $15,000 on 9 Sep 2026. That is 62 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a dependent child), worth $250,001 - $500,000 on 15 Oct 2026. That is 26 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 1 Oct 2026. That is 40 days before publication. Filed 5 Nov 2026. View the filing.
- Rep. Rohit Khanna bought Wells Fargo (WFC) (held by a spouse), worth $1,001 - $15,000 on 25 Sep 2026. That is 46 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Citigroup (C), worth $1,001 - $15,000 on 24 Sep 2026. That is 47 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Citigroup (C) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 67 days before publication. Filed 7 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
Who gains and who loses around Ishares Tr (TLT)
Companies mentioned with this story
- TLT Ishares Tr
In “Ways to trim credit card costs as interest rates stay high,” Ishares Tr (TLT) is linked, with no stored direction, medium confidence. Reason on file: iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
- IEF Ishares Tr
In “Ways to trim credit card costs as interest rates stay high,” Ishares Tr (IEF) is linked, with no stored direction, medium confidence. Reason on file: iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
- XLF Select Sector Spdr Tr
For “Ways to trim credit card costs as interest rates stay high,” Select Sector Spdr Tr (XLF) is linked, with no stored direction, medium confidence. Reason on file: Financial Select Sector SPDR: it holds banks. Linked by “credit” (banks) in this story
- JPM Jpmorgan Chase
For “Ways to trim credit card costs as interest rates stay high,” Jpmorgan Chase (JPM) is linked, with no stored direction, medium confidence. Reason on file: JPMorgan Chase (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
- BAC Bank Of America
Bank Of America (BAC) is linked, with no stored direction, medium confidence in the 10 Nov 2026 story “Ways to trim credit card costs as interest rates stay high.” Reason on file: Bank of America (national commercial banks): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
- WFC Wells Fargo
For “Ways to trim credit card costs as interest rates stay high,” Wells Fargo (WFC) is linked, with no stored direction, medium confidence. Reason on file: Wells Fargo (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story
- C Citigroup
For “Ways to trim credit card costs as interest rates stay high,” Citigroup (C) is linked, with no stored direction, medium confidence. Reason on file: Citigroup (national commercial banks): banks' earnings move with lending, deposits and rates. Linked by “credit” (banks) in this story
- DHI Horton D R
Horton D R (DHI) is linked, with no stored direction, medium confidence in the 10 Nov 2026 story “Ways to trim credit card costs as interest rates stay high.” Reason on file: D.R. Horton (operative builders): rate changes move lenders' margins and borrowers' demand. Linked by “interest rates” (US interest rates) in this story
How “Ways to trim credit card costs as interest rates stay high” reaches Ishares Tr (TLT)
The 10 Nov 2026 story “Ways to trim credit card costs as interest rates stay high” names Ishares Tr (TLT) because of this story.
Ishares Tr (TLT) is on the page because iShares 20+ Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
Ishares Tr (IEF) is here too. Its reason reads: iShares 7-10 Year Treasury Bond ETF: Treasury bond prices move with interest-rate expectations. Linked by “interest rates” (US interest rates) in this story
Dates and price levels for Ishares Tr (TLT)
IEF traded between 88.64 and 90.69 across 16 sessions. The latest close on file is 90.08. TLT traded between 76.44 and 80.56 across 16 sessions. The latest close on file is 79.46. XLF traded between 52.82 and 56.02 across 16 sessions. The latest close on file is 55.07.
A simple score for Ishares Tr (TLT)
46 out of 100
“Ways to trim credit card costs as interest rates stay high” scores 46 out of 100. The score uses 1 sources, and 8 linked companies.