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Such options can be beneficial and even cost-effective if used responsibly, but","_key":"42b5894e2a302"},{"_type":"span","marks":["strong"],"text":" interest and fees can add up over time","_key":"43b6256edb6e"},{"text":" and many consumers have found themselves in deep debt as a result.","_key":"c89501fcbcb8","_type":"span","marks":[]}]},{"_type":"block","style":"normal","_key":"86b98c9a8332","markDefs":[],"children":[{"_type":"span","marks":["strong"],"text":"One for all","_key":"43baa619e98d0"}]},{"children":[{"_type":"span","marks":[],"text":"BNPL doesn’t seem to be going away, as evidenced by the latest major player in the growing industry. 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It’s also an apparent step toward establishing One as a full-service financial platform offering users a way to borrow, spend, and save money in one place.","_key":"9b609018ff0f0"}]},{"markDefs":[],"children":[{"_type":"span","marks":["strong"],"text":"How it works","_key":"2d61b50b36820"}],"_type":"block","style":"normal","_key":"c4b7200d14b1"},{"_type":"block","style":"normal","_key":"f3350b8e1b58","markDefs":[],"children":[{"_type":"span","marks":[],"text":"As it stands, Affirm is still being promoted in Walmart stores — including at the checkout, where shoppers have the option to apply for a loan. 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But before you get too excited, it’s worth noting that ","_key":"f14348cda2660"},{"_key":"dfe3d768da4d","_type":"span","marks":["strong"],"text":"some items won’t qualify"},{"_type":"span","marks":[],"text":" … at least for now.","_key":"2083b620af46"}],"_type":"block","style":"normal","_key":"9a78a7cdd455","markDefs":[]},{"_key":"9496cb0ecc89","markDefs":[],"children":[{"_type":"span","marks":[],"text":"Groceries, alcohol, and weapons are not eligible for these loans, though most other major purchases (roughly $100 and up) are.","_key":"1e9a5540a6fb0"}],"_type":"block","style":"normal"}],"image":{"_type":"image","attribution":"Giphy","asset":{"_type":"sanity.imageAsset","_createdAt":"2024-04-24T01:30:02Z","_id":"image-a030061316db4ff7c7f1680a3e512506ca14deb5-260x146-gif","uploadId":"K2dMNvz8sosU1FUn3BlbSt6vc8p9rrYp","url":"https://cdn.sanity.io/images/8mioycse/v3/a030061316db4ff7c7f1680a3e512506ca14deb5-260x146.gif","path":"images/8mioycse/v3/a030061316db4ff7c7f1680a3e512506ca14deb5-260x146.gif","metadata":{"dimensions":{"aspectRatio":1.7808219178082192,"height":146,"_type":"sanity.imageDimensions","width":260},"isOpaque":true,"blurHash":"MpECq#M{ozRPt7tWj]jukCayWJozWBt7WB","_type":"sanity.imageMetadata","palette":{"muted":{"foreground":"#fff","title":"#fff","population":0,"background":"#947c5c","_type":"sanity.imagePaletteSwatch"},"lightVibrant":{"background":"#8990f4","_type":"sanity.imagePaletteSwatch","foreground":"#000","title":"#fff","population":0.32},"darkVibrant":{"population":0.19,"background":"#483f1d","_type":"sanity.imagePaletteSwatch","foreground":"#fff","title":"#fff"},"lightMuted":{"population":0.05,"background":"#a5accd","_type":"sanity.imagePaletteSwatch","foreground":"#000","title":"#fff"},"vibrant":{"title":"#fff","population":13.58,"background":"#7f81e2","_type":"sanity.imagePaletteSwatch","foreground":"#fff"},"dominant":{"background":"#7f81e2","_type":"sanity.imagePaletteSwatch","foreground":"#fff","title":"#fff","population":13.58},"_type":"sanity.imagePalette","darkMuted":{"background":"#5a4e31","_type":"sanity.imagePaletteSwatch","foreground":"#fff","title":"#fff","population":0.16}},"hasAlpha":true,"lqip":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAALABQDASIAAhEBAxEB/8QAGAAAAwEBAAAAAAAAAAAAAAAAAAQHBQb/xAAiEAACAgIBAwUAAAAAAAAAAAABAgMEAAUhBhETEiIxQVH/xAAWAQEBAQAAAAAAAAAAAAAAAAADAAT/xAAdEQACAQQDAAAAAAAAAAAAAAAAAQMCBBFSFCFR/9oADAMBAAIRAxEAPwDK1+9tWq6SpVT3AE84w26vRqzmFEVfk5yEEjxw11Rio7DgHGvWxUgsSPzvml38+7EUVPhYOmdRPutPBe8si+T6EXGGSCPebSqghrX7EUScKiOQBhlz59mE4XnrB//Z"},"_rev":"DpWLjYkwm1nYY081eXYn9y","assetId":"a030061316db4ff7c7f1680a3e512506ca14deb5","_updatedAt":"2024-04-24T01:30:02Z","extension":"gif","mimeType":"image/gif","sha1hash":"a030061316db4ff7c7f1680a3e512506ca14deb5","source":{"name":"walmart GIF","id":"Twa0jUtoJdYqs","url":"https://giphy.com/gifs/walmart-Twa0jUtoJdYqs"},"size":1067742,"originalFilename":"3d365eab-7171-4830-99eb-c0066ff31781.gif"}},"title":"Walmart Bets Big On ‘Buy Now, Pay Later’ With Majority Stake In This Startup Firm","visibility":"true","category":"finance","summary":"Shoppers are starting to encounter new options upon checking out.","publishDate":"2024-04-24","_createdAt":"2024-04-23T21:17:28Z","author":{"_ref":"phCNL32Gn","_type":"reference"}},{"_type":"story","body":[{"markDefs":[{"_type":"link","href":"https://gizmodo.com/how-to-tell-if-your-isp-is-ripping-you-off-1851399788","_key":"a3914bc771ec"}],"children":[{"_type":"span","marks":[],"text":"Most of us would have a hard time getting through a typical day without internet access. 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reported on some of the massive jackpots up for grabs in multi-state lotteries like Powerball — including the recent","_key":"cd44e546945b0"},{"_type":"span","marks":["strong"],"text":" 10-figure grand prize","_key":"53b67ec7bb3b"},{"_type":"span","marks":[],"text":" that marked the game’s fifth-largest ever.","_key":"8eebdd857224"}],"_type":"block","style":"normal"},{"style":"normal","_key":"371fb8a74ee7","markDefs":[{"_key":"c080ad88629d","_type":"link","href":"https://www.economist.com/graphic-detail/2024/04/02/the-economics-of-american-lotteries"}],"children":[{"_type":"span","marks":[],"text":"But while the chance to become an instant multimillionaire might technically be attainable, the odds are astronomical. And too often, it’s the poorest Americans who fall ","_key":"37766d601c250"},{"_type":"span","marks":["c080ad88629d"],"text":"victim","_key":"37766d601c251"},{"marks":[],"text":" to the allure of the seemingly harmless habit.","_key":"37766d601c252","_type":"span"}],"_type":"block"},{"style":"normal","_key":"1b3e2f119bd9","markDefs":[],"children":[{"marks":["strong"],"text":"Lotteries by the numbers","_key":"eff79ea24bc30","_type":"span"}],"_type":"block"},{"_key":"3a0df6472db0","markDefs":[],"children":[{"marks":[],"text":"If you want to truly understand what the average lottery player is up against, let’s take a look at the hidden statistics involved in the deceptively simple act of potentially handing out a billion-plus-dollar jackpot:","_key":"ef32392c29f70","_type":"span"}],"_type":"block","style":"normal"},{"children":[{"_type":"span","marks":["strong"],"text":"45 states and the nation’s capital ","_key":"e48c946685ca0"},{"_key":"7f156ea1cb81","_type":"span","marks":[],"text":"currently have some form of lottery."}],"level":1,"_type":"block","style":"normal","_key":"47a5b0d6845a","listItem":"bullet","markDefs":[]},{"listItem":"bullet","markDefs":[],"children":[{"_type":"span","marks":[],"text":"Last year, Americans spent","_key":"06e0ad89a8200"},{"_type":"span","marks":["strong"],"text":" a whopping $100 billion","_key":"5fc823f77ade"},{"_type":"span","marks":[],"text":" on tickets.","_key":"d44b016242dd"}],"level":1,"_type":"block","style":"normal","_key":"be4fe40917a1"},{"listItem":"bullet","markDefs":[],"children":[{"_type":"span","marks":[],"text":"The U.S. lottery is more profitable than","_key":"cfff45fac1600"},{"_type":"span","marks":["strong"],"text":" all but eight ","_key":"6103966233b1"},{"_type":"span","marks":[],"text":"of the world’s countries.","_key":"a493f3602b3a"}],"level":1,"_type":"block","style":"normal","_key":"ddbddc0bc102"},{"children":[{"_key":"1eda872063300","_type":"span","marks":[],"text":"And your odds of winning the Powerball? A paltry"},{"marks":["strong"],"text":" 1 in 292 million","_key":"c7404b9ec388","_type":"span"},{"_type":"span","marks":[],"text":".","_key":"eb16d92f27fc"}],"level":1,"_type":"block","style":"normal","_key":"d3f304f90c30","listItem":"bullet","markDefs":[]},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"But, you might say, isn’t it all for a good cause? After all, proceeds typically support education or other social programs.","_key":"c7683ce87a0d0"}],"_type":"block","style":"normal","_key":"b4de0975bf25"},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"Nevertheless,","_key":"3975288112340"},{"marks":["strong"],"text":" lotteries keep about 30% ","_key":"454b17632707","_type":"span"},{"_type":"span","marks":[],"text":"of the revenue they receive, or three times as much as the typical casino. That means almost everyone who plays ultimately loses.","_key":"06d225582f88"}],"_type":"block","style":"normal","_key":"2050f0182840"},{"children":[{"_type":"span","marks":["strong"],"text":"Some lose more than others","_key":"1309c40f9e060"}],"_type":"block","style":"normal","_key":"515657d4c200","markDefs":[]},{"markDefs":[],"children":[{"_key":"88aaa9917c970","_type":"span","marks":[],"text":"Data regarding who spends the most on lottery tickets revealed a troubling truth. 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growing number of baby boomers are heading to another region of the U.S.","publishDate":"2024-03-25","body":[{"markDefs":[{"_key":"356d81bee7b3","_type":"link","href":"https://earlychirp.com/story/2024/03/one-state-is-home-to-7-of-the-top-10-fastestgrowing-metros-in-the-us"}],"children":[{"_type":"span","marks":[],"text":"We recently brought you a ","_key":"f56f3390939b0"},{"_key":"f56f3390939b1","_type":"span","marks":["356d81bee7b3"],"text":"story"},{"_key":"f56f3390939b2","_type":"span","marks":[],"text":" about how Florida has seven of the top 10 fastest-growing metro areas in the U.S., and it seems clear that the influx of Americans to the Sunshine State"},{"marks":["strong"],"text":" isn’t slowing down ","_key":"c1b2563b47bc","_type":"span"},{"_type":"span","marks":[],"text":"anytime soon.","_key":"cc3eccc69bec"}],"_type":"block","style":"normal","_key":"e0b1ce8c770d"},{"style":"normal","_key":"d5a3ef99f0d7","markDefs":[],"children":[{"_type":"span","marks":[],"text":"But one 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And inflation is a prime example.","_key":"caa1814e85680"}],"_type":"block","style":"normal","_key":"8bd49565877d"},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"Price increases are slowing, but that doesn’t mean everything's getting more affordable. And the impact of years of post-pandemic soaring costs is","_key":"ffe999f80cbc0"},{"marks":["strong"],"text":" still hitting consumers where it hurts","_key":"206a4508b4a7","_type":"span"},{"_type":"span","marks":[],"text":".","_key":"1546606700b1"}],"_type":"block","style":"normal","_key":"ad0064871638"},{"children":[{"_type":"span","marks":[],"text":"Perhaps the most ","_key":"62a1c9bcf2bd0"},{"_type":"span","marks":["be031e75b3db"],"text":"obvious","_key":"62a1c9bcf2bd1"},{"_type":"span","marks":[],"text":" place that people are feeling the pinch in their wallets is at the grocery store.","_key":"62a1c9bcf2bd2"}],"_type":"block","style":"normal","_key":"2cebfb4f0d8d","markDefs":[{"_type":"link","href":"https://www.washingtonpost.com/business/2024/02/02/grocery-price-inflation-biden/","_key":"be031e75b3db"}]},{"children":[{"text":"So what’s going on?","_key":"ba55dd4c45600","_type":"span","marks":["strong"]}],"_type":"block","style":"normal","_key":"cd34b164da03","markDefs":[]},{"_key":"bf8d631b62da","markDefs":[],"children":[{"_key":"9ec22be08e870","_type":"span","marks":[],"text":"There are a few reasons that millions of Americans are being acutely impacted by high food prices. For starters, we all need to eat, so"},{"_type":"span","marks":["strong"],"text":" there’s no real way to offset the cost","_key":"0f71a5833e03"},{"_key":"480b50c76068","_type":"span","marks":[],"text":". Switching to generic brands can only do so much, after all."}],"_type":"block","style":"normal"},{"children":[{"_type":"span","marks":[],"text":"Plus, there’s plenty of evidence that groceries in general have been getting more expensive, more quickly, than other consumer goods:","_key":"3fa965a1b7d60"}],"_type":"block","style":"normal","_key":"9a3ecd89fdf2","markDefs":[]},{"_type":"block","style":"normal","_key":"c5335fc5c262","listItem":"bullet","markDefs":[],"children":[{"_type":"span","marks":[],"text":"Over the past four years, inflation overall ","_key":"0812909a3fa60"},{"_type":"span","marks":["strong"],"text":"has been about 19%","_key":"2b1b9abc91ba"}],"level":1},{"_type":"block","style":"normal","_key":"49b529eaf309","listItem":"bullet","markDefs":[],"children":[{"text":"During the same period,","_key":"4f555f8adbcd0","_type":"span","marks":[]},{"_key":"eb9a83c4a3ec","_type":"span","marks":["strong"],"text":" grocery prices have soared 25%"}],"level":1},{"listItem":"bullet","markDefs":[],"children":[{"text":"Some","_key":"b12ae34561ad0","_type":"span","marks":[]},{"_type":"span","marks":["strong"],"text":" other prices have declined","_key":"aeb32f0c2214"},{"_type":"span","marks":[],"text":" recently, but food kept going up","_key":"388ffe853e83"}],"level":1,"_type":"block","style":"normal","_key":"992edc6fdb18"},{"markDefs":[],"children":[{"marks":[],"text":"More than two-thirds of Americans say food prices have hit them hardest, which is much higher than anything else on the list.","_key":"08c91386230e0","_type":"span"}],"_type":"block","style":"normal","_key":"b7dc91cfb57c"},{"_type":"block","style":"normal","_key":"77f21e2976ca","markDefs":[],"children":[{"_key":"8d9a5958e1300","_type":"span","marks":["strong"],"text":"Lower your expectations"}]},{"_key":"28f9264517c1","markDefs":[],"children":[{"marks":[],"text":"A number of issues have made grocery prices more susceptible to inflation than other sectors of the economy — ","_key":"31e9d7e2d8480","_type":"span"},{"text":"from supply chains to labor shortages to industry consolidation","_key":"a8636ce76e59","_type":"span","marks":["strong"]},{"marks":[],"text":". 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feast.","_key":"66d97f52fbda0","_type":"span"}],"_type":"block","style":"normal"},{"markDefs":[],"children":[{"_type":"span","marks":["strong"],"text":"The argument for “going Dutch”","_key":"982323e7081b0"}],"_type":"block","style":"normal","_key":"55e0abf4c940"},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"You can find a seemingly endless stream of TikTok videos from people recounting their horror stories from dinners out with individuals who wanted to split the check evenly.","_key":"858f4987e08e0"}],"_type":"block","style":"normal","_key":"f03de1acf89b"},{"level":1,"_type":"block","style":"normal","_key":"259aeb5b45cc","listItem":"bullet","markDefs":[],"children":[{"marks":[],"text":"Some","_key":"f54b8e0d58c50","_type":"span"},{"marks":["strong"],"text":" felt cheated ","_key":"5dd3b54f917c","_type":"span"},{"_type":"span","marks":[],"text":"out of their hard-earned 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And that brings us — like many things do these days — to a current TikTok ","_key":"9552e2b269a10"},{"_type":"span","marks":["eda43b519872"],"text":"trend","_key":"9552e2b269a11"},{"_type":"span","marks":[],"text":".","_key":"9552e2b269a12"}],"_type":"block","style":"normal","_key":"9552fd0ae0a6"},{"_key":"2ea59402f4ec","markDefs":[],"children":[{"text":"It’s not just for girls","_key":"ca5f102a70dd0","_type":"span","marks":["strong"]}],"_type":"block","style":"normal"},{"markDefs":[],"children":[{"_key":"11c4f55febc50","_type":"span","marks":[],"text":"Don’t blame us for the somewhat biased and fundamentally misleading name, but “girl math” is making the rounds on social media to describe a type of internal accounting that people often use to excuse poor spending habits regardless of their age or gender."}],"_type":"block","style":"normal","_key":"c5590a6967c8"},{"style":"normal","_key":"602dae356d77","markDefs":[],"children":[{"_type":"span","marks":[],"text":"A few examples of this ideology include:","_key":"45c73134b37b0"}],"_type":"block"},{"style":"normal","_key":"d67ef2f75298","listItem":"bullet","markDefs":[],"children":[{"_type":"span","marks":[],"text":"Feeling as though anything that costs just a few dollars ","_key":"976f311760590"},{"_type":"span","marks":["strong"],"text":"doesn’t really count","_key":"976f311760591"},{"_type":"span","marks":[],"text":".","_key":"976f311760592"}],"level":1,"_type":"block"},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"Considering the decision to skip a trip to Starbucks as ","_key":"acc3b8f6aea60"},{"text":"a source of income","_key":"acc3b8f6aea61","_type":"span","marks":["strong"]},{"_key":"acc3b8f6aea62","_type":"span","marks":[],"text":"."}],"level":1,"_type":"block","style":"normal","_key":"8d82e2d7c419","listItem":"bullet"},{"markDefs":[],"children":[{"text":"Spending more than you otherwise would just to ","_key":"2cf0fbe40a440","_type":"span","marks":[]},{"text":"qualify for free shipping","_key":"2cf0fbe40a441","_type":"span","marks":["strong"]},{"text":".","_key":"2cf0fbe40a442","_type":"span","marks":[]}],"level":1,"_type":"block","style":"normal","_key":"4216b46659b7","listItem":"bullet"},{"level":1,"_type":"block","style":"normal","_key":"b058c58e2974","listItem":"bullet","markDefs":[],"children":[{"text":"Thinking that passing up on a sale is ","_key":"9b2076bc363a0","_type":"span","marks":[]},{"text":"the same as losing money","_key":"9b2076bc363a1","_type":"span","marks":["strong"]},{"marks":[],"text":".","_key":"9b2076bc363a2","_type":"span"}]},{"_type":"block","style":"normal","_key":"acb13e382447","markDefs":[],"children":[{"_key":"6b41c7e45c560","_type":"span","marks":[],"text":"Most of us are guilty of some or all of these financial fallacies, and TikTok users are shedding light on the issue. 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","_key":"8a54c9150deb0"},{"_type":"span","marks":["7e296fba670e"],"text":"wondered","_key":"8a54c9150deb1"},{"_type":"span","marks":[],"text":" how credit card companies can afford to provide such seemingly generous cash-back incentives, you’ve come to the right place.","_key":"8a54c9150deb2"}],"_type":"block","style":"normal","_key":"aaf578ffe7fc"},{"style":"normal","_key":"81828a825c7e","markDefs":[],"children":[{"_key":"dd8f0d9671e80","_type":"span","marks":["strong"],"text":"Read the fine print"}],"_type":"block"},{"markDefs":[],"children":[{"marks":[],"text":"In addition to providing new customers with low (or sometimes 0%) interest rates, many credit cards come with cash back rewards based on the types of purchases a customer makes.","_key":"96127c6a69220","_type":"span"}],"_type":"block","style":"normal","_key":"7e2ea235524e"},{"children":[{"_type":"span","marks":[],"text":"Many companies offer 5% cash back in some circumstances, which might make you wonder if there’s a catch. Well … ","_key":"e2b84e6177d00"},{"_type":"span","marks":["strong"],"text":"of course there is","_key":"e2b84e6177d01"},{"_type":"span","marks":[],"text":".","_key":"e2b84e6177d02"}],"_type":"block","style":"normal","_key":"4a89dd23a3a9","markDefs":[]},{"_type":"block","style":"normal","_key":"02c3105c7805","markDefs":[],"children":[{"_type":"span","marks":[],"text":"Although you can certainly get some of these perks, there are a few common ways that credit card companies protect their profits.","_key":"8b68d1c68da90"}]},{"children":[{"_type":"span","marks":[],"text":"The amount of cash back ","_key":"22a4d5a2231e0"},{"_type":"span","marks":["strong"],"text":"might be limited","_key":"22a4d5a2231e1"},{"text":" to an annual maximum.","_key":"22a4d5a2231e2","_type":"span","marks":[]}],"level":1,"_type":"block","style":"normal","_key":"2cf08cbf6d35","listItem":"bullet","markDefs":[]},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"Only ","_key":"e2ed9895849a0"},{"_type":"span","marks":["strong"],"text":"certain types of purchases","_key":"e2ed9895849a1"},{"text":" may qualify for the highest rebate.","_key":"e2ed9895849a2","_type":"span","marks":[]}],"level":1,"_type":"block","style":"normal","_key":"dfd46460f3fe","listItem":"bullet"},{"_type":"block","style":"normal","_key":"bba5c78a5215","listItem":"bullet","markDefs":[],"children":[{"_type":"span","marks":[],"text":"You’re simply ","_key":"089c485ac4600"},{"marks":["strong"],"text":"sharing some of the fees","_key":"089c485ac4601","_type":"span"},{"text":" already being paid by merchants.","_key":"089c485ac4602","_type":"span","marks":[]}],"level":1},{"children":[{"_type":"span","marks":["strong"],"text":"Who’s actually paying?","_key":"d5f2ed1b48b00"}],"_type":"block","style":"normal","_key":"fc65e8f27d2b","markDefs":[]},{"style":"normal","_key":"cd3feccabb44","markDefs":[],"children":[{"_type":"span","marks":[],"text":"It might not be surprising to learn that credit card companies aren’t in the business of handing out tons of money just to be nice. Instead, any cash back they offer is ","_key":"9d17b96bf5850"},{"_type":"span","marks":["strong"],"text":"only a small fraction","_key":"9d17b96bf5851"},{"_key":"9d17b96bf5852","_type":"span","marks":[],"text":" of the fees and interest that they accumulate."}],"_type":"block"},{"markDefs":[],"children":[{"_type":"span","marks":[],"text":"In addition to the percentage paid by retailers who accept credit cards as a form of payment, most of the revenue ","_key":"096397f2c8e40"},{"_type":"span","marks":["strong"],"text":"comes directly from their customers","_key":"096397f2c8e41"},{"_type":"span","marks":[],"text":".","_key":"096397f2c8e42"}],"_type":"block","style":"normal","_key":"26a280058804"},{"_key":"25c8bbc9d79f","markDefs":[{"_type":"link","href":"https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/","_key":"19d612f54ba1"}],"children":[{"text":"Nearly half of all consumers who have a credit card carry a running monthly balance, which opens them up to an ","_key":"3bb833a2e6a20","_type":"span","marks":[]},{"_type":"span","marks":["19d612f54ba1"],"text":"average","_key":"3bb833a2e6a21"},{"_type":"span","marks":[],"text":" interest rate that was ","_key":"3bb833a2e6a22"},{"marks":["strong"],"text":"a whopping 24.24%","_key":"3bb833a2e6a23","_type":"span"},{"_type":"span","marks":[],"text":" as of last month.","_key":"3bb833a2e6a24"}],"_type":"block","style":"normal"},{"markDefs":[],"children":[{"_key":"d92e71266b960","_type":"span","marks":[],"text":"Tack on the late fees and other charges, and you can clearly see that credit card companies are raking in some serious dough even if they do send you a few bucks."}],"_type":"block","style":"normal","_key":"d8bd05fe2b8a"}],"category":"finance","author":{"_type":"reference","_ref":"phCNL32Gn"},"title":"Credit Cards Promise Free Cash Back Perks … But It’s Not That Simple","_type":"story","_id":"6e3c54ba-3598-4318-8c61-0a8d6540f413"}]