<h1>Hello, I'm Tyler!</h1><p>I’m a former financial advisor and portfolio manager making financial content for free so that you don’t have to pay for it.</p><h2>The Shocking Changes</h2><ol><li><strong>Major banks have been given permission to raise credit card interest rates to as high as 35.99%!</strong></li><li><strong>They can also raise late fees if you can’t pay that exorbitant interest rate.</strong></li><li><strong>In contrast, the best guaranteed return consumers receive from lending out their money is a US T-bill at about 4%.</strong></li><li><strong>Why are certain entities, namely big banks, allowed to lend money at 35.99%?</strong></li><li><strong>Meanwhile, we are only permitted to lend it out at a mere 4.4%.</strong></li></ol><h2>Join the Discussion!</h2><p>So, what am I missing here? I genuinely feel like I’m on crazy pills. I’d love to hear your thoughts! Please leave a comment!</p>

Discover the alarming rise in credit card interest rates and late fees, and learn why consumers face disappointing returns compared to big banks. Join the discussion on this financial conundrum.