Big credit changes are coming in February 2026 — and they will impact approvals, interest rates, and access to credit across the U.S. In this video, I break down three major credit policy shifts, including:• Credit card interest rate caps• Rent and utility payments being added to credit reports• New lending risks tied to citizenship and immigration status This isn’t political commentary — it’s a real breakdown of how banks think, how underwriting works, and who wins or loses when credit rules change. Watch all the way through — #1 affects more people than you think.
📽️ VIDEO CHAPTERS 0:00 Why February 2026 Matters1:00 #3 Credit Card Interest Cap5:00 #2 Rent & Utility Credit Reporting9:30 #1 Lending Rules Are Changing14:00 What This Means For You
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