Jamie Dimon said Donald Trump's interest rate cap proposal would restrict Americans' access to credit.

This article discusses how debit and credit cards work, including their pros and cons. It ends with some helpful tips and strategies for responsible card use.

Refunds typically take about three business days to appear on your account. However, the time to get a refund on your credit card depends on the issuer and merchant policies. Getting a debit card refund may be slightly shorter – as little as one business day – because the funds are returned directly to your bank account.

Premium cards boomed in 2025. 2026 will bring a K-shaped market, more experiential perks, growing mid-tier cards and steadier rewards despite fee pressure.