Been turned down for a credit card? You're not alone: With rising delinquencies and a $1.18 trillion debt load, issuers have tightened underwriting standards and, in late 2025, about one in five ...

Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

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We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Claire Wilcox Whether you’re thinking of hitting the road or staying close to ...