Sean Venata
Financial history scholar and author of a book on the credit card industry who explains the historical and regulatory reasons behind high U.S. credit card interest rates in the episode.
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28 snips
Feb 22, 2026 • 30min
Make credit cards work for you
Sarah Rathner, credit card rewards expert at NerdWallet, explains practical ways to maximize points. Sean Venata, financial historian and author, traces how policy and bank moves shaped high U.S. APRs. Angel Sevilla shares a personal comeback: secured cards, tough budgeting, and rebuilding credit to buy a home. They discuss rewards strategy, interest realities, and practical steps for using cards wisely.
9 snips
Feb 22, 2026 • 30min
Make credit cards work for you
Sarah Rathner, credit card expert at NerdWallet, breaks down rewards and simple strategies. Sean Venata, financial historian and author, traces how cards and interest rates evolved. Angel Sevilla shares a first-person story of racking up and repairing major credit card debt to qualify for a home. They talk rewards basics, debt recovery steps, history of high rates, and practical card-use tactics.
