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Hosted by Fexingo · 🇺🇸 US · EN · 103 episodes
Established thought leaders with verified media credentials.
Lucas and Luna tackle the mechanics of debt repayment, focusing on credit cards and student loans. Each episode opens with a specific listener scenario—a $15,000 credit card balance at 22% APR, a nursing grad with $80,000 in federal loans—and works through payoff strategies using actual numbers. Lucas maps the math: avalanche vs. snowball, transfer fees, minimum payment traps, income-driven repayment caps. Luna pushes back on the human side: what happens when the 0% intro offer expires, how to handle a spouse who hides spending, whether to pause saving for a down payment. They name real lenders—Discover, Sallie Mae, SoFi—and cite Federal Reserve data on average balances and default rates. No motivational fluff. Every episode ends with a specific next step the listener can take that evening, from calling a servicer to recalculating a monthly budget. The core tension: the gap between what the algorithms recommend and what a real person can sustain over 36 months. For listeners who want a
Fexingo hosts Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt, a business show with 103 episodes published.
In episode 130 of Debt Payoff with Fexingo, Lucas and Luna break down a little-known trap in credit card debt settlement programs. Using a case study of a listener named Maria who tried to settle $15,000 in Chase debt fo
This episode of Debt Payoff with Fexingo digs into how credit card companies design annual fees to increase long-term revenue, not just cover rewards. Lucas and Luna examine a 2026 CFPB report showing that median annual
In this episode of Debt Payoff with Fexingo, Lucas and Luna break down how credit card companies design rewards programs to discourage full redemption and keep you carrying a balance. Using the example of a typical trave
In this episode of Debt Payoff with Fexingo, Lucas and Luna explain the hidden costs of balance transfer credit card offers. They break down how transfer fees, deferred interest, and zero-interest periods can actually in
In this episode, Lucas and Luna explore how credit card companies profit from the payment method you choose. Lucas shares a specific example: paying by phone costs card issuers roughly fifty cents per transaction in proc
Lucas and Luna reveal a subtle way credit card issuers charge you more interest: by setting your statement date earlier than the due date. Using a concrete example with a $3,000 balance, they show how the 21-day grace pe
Lucas and Luna dive into a rarely discussed but costly credit card practice: how issuers use your choice of payment method to maximize interest and fees. They unpack the hidden hierarchy of payment methods — from online
Lucas and Luna unpack how credit card issuers can use payment holidays — those 'skip a month' offers — to quietly reset your grace period, increase your average daily balance, and sometimes trigger a penalty APR. They wa
When you pay more than the minimum on your credit card, how does the issuer apply that extra money? Most people assume it goes to the highest-interest balance first, but that's rarely the case. In this episode, Lucas and
In this episode, Lucas and Luna explore how credit card issuers can raise your interest rate based on your credit limit, even if you never miss a payment. They break down the role of the 'universal default' clause and ho
In Episode 120 of Debt Payoff with Fexingo, Lucas and Luna break down a counterintuitive strategy credit card issuers use to maximize interest charges: shifting your payment due date. By moving your due date earlier or l
In episode 119 of Debt Payoff with Fexingo, Lucas and Luna expose the two-cycle billing method—a controversial way some credit card issuers calculate interest. Unlike the typical average daily balance method, two-cycle b
In this episode, Lucas and Luna reveal how credit card issuers profit from balance transfers, using fine print to extend repayment periods, reset interest-free windows, and sometimes even increase your rate. They explain
Episode 117 of Debt Payoff with Fexingo drills into one specific number that lenders watch closely: your credit card utilization ratio. Lucas and Luna explain how this ratio is calculated, why it can cause your credit sc
In this episode, Lucas and Luna break down the hidden mechanics behind foreign transaction fees. They explain why issuers charge typically 1% to 3% on international purchases, how the Visa and Mastercard network fees wor
Lucas and Luna explain how credit card grace periods work — and how missing the due date by even one day can cost you interest on purchases you thought you'd already paid off. They break down the two-cycle average daily
Episode 114 of Debt Payoff with Fexingo. Lucas and Luna break down the exact formula credit card issuers use to calculate your minimum payment. Most people think it's a fixed percentage of the balance, but it's actually
Ever paid your credit card bill a day early or a day late and wondered if it matters? In this episode, Lucas and Luna dig into a 2023 Consumer Financial Protection Bureau report that found some credit card issuers are us
In this episode of Debt Payoff with Fexingo, Lucas and Luna reveal how credit card issuers analyze your everyday purchases to adjust your interest rate. They break down the practice of 'behavioral scoring' used by banks
In this episode of Debt Payoff with Fexingo, Lucas and Luna break down exactly how credit card companies calculate your average daily balance — the number that determines your interest charges each month. They walk throu
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Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt is hosted by Fexingo. The show is categorised under business and has published 103 episodes.
Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt has published 103 episodes.
Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt regularly covers business. It sits in the business category.
Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt is accessible for guests with genuine business expertise. A personalised, episode-aware pitch will still outperform a generic one every time.
Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt hasn't explicitly signalled guest openness in recent episodes. That doesn't rule out pitching. your hook just needs to be especially compelling and relevant to their recent content.
Episodes of Debt Payoff with Fexingo: Credit Cards, Student Loans, and Getting Out of Debt average 8 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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