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The bank also reported a $5 billion profit, despite a series of costly settlements with the U.S. government.

The retailer acknowledged early Thursday that there was a massive security breach of its customers' credit and debit card accounts. It started the day before Thanksgiving and extended at least to Dec. 15 — the heart of the holiday shopping season.

Despite the switch from the magnetic stripe credit cards to chip cards last October, the new technology is still not widely adopted. Visa unveiled an upgrade to speed up checkouts but barriers remain.

It used to take seven to 10 business days to get a new credit card. Because of an ongoing chip shortage, deliveries can take almost two months, and that could be the case through the end of the year.

It used to take seven to 10 business days to get a new credit card. Because of an ongoing chip shortage, deliveries can take almost two months, and that could be the case through the end of the year.

The Web is full of sites promoting views that many find offensive — and often, those sites do business with credit card companies. Some advocacy groups are pressuring Visa and MasterCard to end those relationships, but others worry these campaigns will have a chilling effect on free speech online.

In the U.S., at least 11 states forbid retailers from adding surcharges to credit card transactions. Several also allow discounts for customers paying via cash rather than plastic.

With credit card interest rates near modern highs, President Trump says he wants to cap the rates for one year.

According to a recent Bankrate survey, 46% of respondents said they carry a credit card balance from month to month. NPR's Life Kit debunks some common myths and gives advice about credit card debt.

Credit card debt is at a record high, climbing nearly 19% in the fourth quarter of 2022. Many Americans have exhausted their savings and are now deep in the hole trying to cover the cost of living.