Pod Insights The Clark Howard Podcast 07.15.26 Clark Discredits a Long-Held Credit Card Myth / SCAM WARNINGS About this episode The big banks are absolutely thrilled when you fall for the "cockroach" of personal finance myths: the completely false idea that you need to carry a balance and pay interest on your credit cards to build an excellent credit score. Not so. Clark explains. Also today, we face an unprecedented wave of sophisticated fraud, with online crime complaints officially surpassing one million for the first time. Driven by advanced AI, scammers are now launching highly realistic "spear-phishing" attacks using actual data breaches from hotels and cruise lines. If you get an urgent message claiming your upcoming hotel reservation can't be validated or that you owe more money on a cruise, do not take the bait. Stay vigilant, question unexpected requests for money, and always independently verify any urgent alerts regarding your travel plans or financial accounts.
Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 15, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark.
Credit Card Myth: Segment 1
Ask Clark: Segment 2
Scams Gone Wild: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
The #1 Mistake That Can Hurt Your Credit Score - Clark Howard
Scammers Are Using Your Real Hotel Reservations for Spear-Phishing Attacks
Carnival data breach affects nearly 6 million people | Travel Weekly
New Scam Targets Microsoft Users, FBI Warns. Here's How to Protect Yourself
How to spot a CAPTCHA scam
We Can't Stop Falling for These 7 Scams. Here's How to Protect Yourself From Each One
The Best Phone Plan For You – Compare Phone Plans
What Is a 403(b) and How Does It Work? - Clark Howard
For Mint Mobile Plans and Pricing Details, click SAVINGSPOD
Clark.com resources:
Episode transcripts
Community. Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Transcript 0:00 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
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1:04 Speaker 02 It's my pleasure to welcome you here to the Clark Howard Show, where our mission is to serve you with advice and information that empowers you as you make better financial decisions in your life. Coming straight ahead, I want to tell you about something that will not die. This urban legend about how to handle your credit that just makes everybody smile in the banking business because they're getting one over on you. I'm going to fill you in on that in a second. And it's just a ripoff, but coming later. I want to fill you in on some of the ugly scams circulating right now that can separate you from your money.
1:49 Speaker 02 I'm just going to hit you with some in particular. The whole idea I want to give you is patterns that you really think through before you act on something you think is A-OK, but it's not.
2:04 Speaker 02 So let's talk about something that drives me crazy. I hear it all the time from people who think they're going to raise their credit score by not paying their credit cards in full. And let me tell you, the banks love that the overwhelming percent of people think that paying credit cards in full when the bill comes in is bad for your credit reputation. It's not. So the banks love this misinformation because then they're charging you.
2:44 Speaker 02 When you leave an outstanding balance, you get no grace period on charges that you put on a card. You're paying interest from the day of charge on everything. When you pay your balance in full, you have a grace period that's usually 25 days that you use the bank's money for free. And then when the bill comes in, you pay it in full, you actually got free use of the bank's money. But it's like Vegas where the house always wins. They make their money on the people who don't pay in full. So it's an unforced error when you give the bank that huge amount of interest unnecessarily.
3:28 Speaker 02 This is when you do have the money to pay the bill, by the way, not talking about people who can't pay the bill. But there are a lot of people out there who are trying to get that credit score inched up. And this false thing that's hung out for decades is that you will lower your score by paying your credit card balance in full when it comes in. And you'll raise your score by leaving some amount unpaid. Untrue, untrue, untrue. Don't do it. If you're in a position to pay your balance in full, pay your balance in full. That's simple.
4:09 Speaker 02 If you are listening to me saying, I wish, I wish I had that dilemma of paying my balance in full. There are people I put in a couple of categories. One, Is people who have lifestyle creep issues that you make enough money, you should probably be able to get by without running up credit card balances. But you can't avoid the temptation. You see something, you want it, that settles it and you buy it. And then the bill comes in and you can't handle the bill. So then you're paying the 25 or so percent interest for whatever you bought. So you got to think of it this way.
4:54 Speaker 02 The item that you bought because it was a deal, let's say it was a hundred bucks. Isn't really a hundred bucks is 125 bucks because of all the interest you're going to pay on it. So the deal becomes a non-deal. So lifestyle creep, when it's because of things you just decide, oh, I just want it. And you impulse buy, a lot of us do that. Then there's other people in a different situation. There are a meaningful percent of Americans who cannot afford life's basics right now. The ravages of inflation over the last six years.
5:35 Speaker 02 And then this recent huge increase in inflation we've suffered has meant that people have fallen behind and all the income gains that people made in 25 have been wiped out by the inflation we're having now. And so people that were already living close to the edge may well be over the edge. That's a tough circumstance and I don't have magic answers for that. But so many people running balances are in that first group I talked about, the lifestyle creep. And you've got a situation you can get under control.
6:18 Speaker 02 It's just having the determination to do it. And if you follow a different rule, I like it, I want it, but I don't have the cash to pay for it. So I'm not buying it and that settles it. That change in mentality will make a big difference in your wallet.
6:37 Speaker 02 Krista?
6:38 Speaker 03 All right, let's go to Linda in Massachusetts question. She says, hi Clark, my daughter's employer has given her a two-year assignment beginning in September in Singapore.
6:50 Speaker 02 Oh, I love Singapore. I love that place.
6:54 Speaker 03 They are helping her with housing, but recommended she buy a car. What would be the best way for her to do this after she arrives? Also, she would want to sell it when her assignment is up. Do you have any advice? I've been listening to your show for a while and there's always something new I learn. When she asked me this question, she said, what does Clark say? I told her I hadn't heard of this before and I would write in to ask.
7:18 Speaker 02 So Linda, I respectfully, strongly disagree with her employer she's going to work for for the two years. If you look on expat message boards for Singapore, people will emphatically tell you not to buy a car there. They're crazy expensive and the public transportation in Singapore, it's a city-state. The public transportation is spotless, unbelievably safe, and is quicker than driving your own vehicle. I wrote all around Singapore on public transportation and I highly advise it.
7:57 Speaker 02 Now, there is a compromise a lot of expats will use, and that is when they're in Singapore, there are car leasing by the month things, kind of like I've talked about Sixth Rental Car does in a lot of places in the United States where you can have a monthly vehicle subscription. If you end up feeling like you need one versus the acquisition costs, buying a vehicle that you're then going to dump after two years, doing one of the vehicle by the month subscription programs is, I think, almost certainly a better idea in Singapore than owning a vehicle.
8:37 Speaker 02 But I think once she's on the ground and she sees how easy it is to get around with public transit, even if that's not something that is part of her prior life experience, I think she won't want to own a vehicle. Just my thought.
8:54 Speaker 03 What a cool experience that's going to be.
8:56 Speaker 02 Very hot in the summer, though. Well, it's pretty humid regularly, but Singapore is great. And you know what else? Unless they're working her to death for these two years from Changi, you can go from Singapore, you can go to so many spots. People fly up to Phuket for the weekend, or to Krabi or the weekend, or they'll go over to Vietnam, or whatever, go to Bali, where you went. I mean, it's so perfect as a launching pad to explore all around Asia.
9:31 Speaker 03 Matthew in Tennessee says, I received a medical bill and saw a section on it recommending I use a service, and I gave you the name, to save up to 13% on my bill. I've never heard of this before, but it sounds too good to be true. What is it and what's the catch? Is it safe to use, or is there something even better?
9:49 Speaker 02 I don't recommend one of these things at all. They're pushed heavily by hospitals, and sometimes by other medical providers. What they're trying to do is offload your bill balance to a third party. So the lure, the fake lure, is, hey, we're gonna give you a discount. We're gonna give you 5% off, 10% off, 15% off, if you pay through this service. And what the hospital's trying to do is get your bill off their books. So you're with an outfit, they make their money with a lot of fees, and the discount is an illusion. If you had a bill that was too large
10:29 Speaker 02 for you to pay, and you needed to negotiate with a hospital, or a medical provider, or something like that, you will be able to negotiate almost always a much bigger discount than one of these fake savings plans are gonna be. All you're doing is signing up for a credit plan that you don't want to be in. To tell you how inflated bills are, listen to this. My wife had a lab test recently that billed at $96 for the lab test. So we have insurance, and then it showed
11:08 Speaker 02 the negotiated price for that lab test through the insurance. And I can't believe the amount. It was $5.80.
11:18 Speaker 03 Oh, my gosh.
11:19 Speaker 02 $96 retail was 580. I mean,
11:24 Speaker 02 Medical billing is, if you like reading fiction, just read medical bills and don't get sucked in by any of these supposed discount billing plans. There's no discount about it.
11:41 Speaker 03 Glenn in Michigan says, "A friend just told me about an app called Autopilot that will monitor the price of a flight you already booked, and if the price drops, they pay you the difference minus a 25% fee. I can't find any info on the website of my most trusted and thrifty travel advice guy about this app, so I'm suspicious. Do you have any experience or advice about this app? It just sounds too good to be true, plus a pretty hefty fee for something I could do myself with some extra effort."
12:10 Speaker 02 Okay, Glenn, I'm familiar with Autopilot, and there's several organizations that have the name Autopilot in their name. Their name's longer. Do you remember what the actual name of it is, Krista? Let me see if I can find it. It is with autopilot. So with autopilot, what you're agreeing is a share of the savings. I have not gotten one bit of feedback from anybody on it. So I have nothing pro or con to say about it. I don't know they have enough mind share yet for there to be a track record about how people feel. And you think about
12:50 Speaker 02 it, if they save you 100 bucks on a ticket and you net out 75, obviously that would be a good benefit for you, and it automates the process. Now, there are free tools out there that require more work on your part, like how Google Flights will shop a flight and let you know when the fare drops. So I just don't know.
13:18 Speaker 02 If there's enough people using this yet to have a sense of it being a good experience or a bad one. So if you wanted to do it, you're definitely in the pioneer stage and you're being a guinea pig, doing the effort. Cause I have, there's nothing to be suspicious of. They've got a model that they believe works for them. They automate it. They get a quarter of what's saved. And that is a legitimate business model. If it really works well, and if people have a good experience with it, I have not a clue. So I didn't help you, did I? I'm sorry, but I can't fake it and pretend that I know that it's good or
14:03 Speaker 02 not good, when all I can tell you is I know of it and I haven't used it myself. Coming up ahead, as I promised, I wanted to talk about some of the scams out there right now that I think you need to be aware of. And I don't want you to give in to cynicism or assume bad of everybody out there. Just scammers are so prevalent now because they're crimes almost without punishment and they make good money stealing our hard earned money. But I want to hit you with some of the things specifically I want you looking
14:44 Speaker 02 out for right now that are really popular with the scam set.
14:51 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
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16:51 Speaker 02 Since we were just talking about travel a minute ago, I want to start the scam segment with a couple of travel ones that unfortunately are a problem right now. The first one I'm going to talk about, I got approached by this as well. So, there were a bunch of hotels around the world whose databases got hacked into. And so scammers are contacting people who have reservations at one of the affected hotels or chains. And they are saying...
17:25 Speaker 02 We're having a problem validating your credit card for your upcoming stay. So they know who you are, they have your email address, they know your booking date, they know what you're paying. And so they'll send you something pretending to be from the chain or the hotel itself and say, we're having trouble validating your credit card. We're going to cancel your reservation by such and such date if you don't fill out our validation form. And then you end up giving them all the information they need to take your credit card number and buy a bunch of stuff before it gets shut down. Because they'll ask you things like everything they would need, zip code on your card, your
18:09 Speaker 02 three or four digit code on it, your number, your expiration date, all the information they need to impersonate you and buy stuff as if they're you. So if you get a notification from a hotel over the next, I would think this one will run its course over the next six, eight weeks. You get a notice saying, hey, we're going to cancel your hotel booking because of something involving your credit card. Know that this is a hot, current, active scam and don't fall for it. Now, there's a cousin of it. There was a data breach in the cruise industry that affects 6 million people.
18:55 Speaker 02 And so all kinds of data about you is available and there are a number of scams operating on it, including ones where you get emails appearing to be from your cruise line saying that you owe additional money for who knows what for your upcoming cruise. And sometimes they'll have the threat that, you know, if we don't receive money by blah, blah, blah, we're going to cancel your reservation for your cabin with no refund for prior deposits and all that. And this is another scam. And the number of people, I don't know how many people overall are affected by the hotel
19:34 Speaker 02 data breach, but to know that according to industry sources in the travel industry, reported most recently, I read a travel weekly item, which is a travel publication for travel professionals, cruise agents, travel agents, that sort of thing. Is that six million people's information is out there specifically from various carnival branded cruise lines. Beware of this, be wary that you don't give out any personal information because even though it looks like it'll be from the cruise line, it's not. And there are so many ones,
20:17 Speaker 02 I'm looking at this list, I mean, it just goes on and on and on. The FBI reported that they had over a million complaints that found their way to the FBI over the last year about people getting taken by various financial scams. And the millions is significant milestone, but the number of people find their way who lost money or were under threat of losing money, who would make it to the point of filing a complaint with the FBI is a miniscule fraction of the number of people being taken. And so remember with any scam that involves money,
20:58 Speaker 02 it's about creating a sense of urgency and that you must act right away or else you're going to suffer a specific consequence. I was with somebody yesterday when they got a frantic call from their wife. She was telling him she had received a call from the police that she was being arrested for not showing up to jury duty and she was so upset. And I said, please give me the phone. This is a long time scam where you're being threatened that you supposedly didn't show up to jury duty and you're going to be arrested and all this stuff. Do not fall for it. And that's
21:38 Speaker 02 an oldie but baddie and people are still doing it. I want to tell you one that's new. Last one I'm gonna share Krista is about captchas.
21:48 Speaker 03 Mm hmm.
21:49 Speaker 02 So captchas are the thingies when you're going to a website on your phone or on a laptop or whatever, and it wants to verify you're not a bot.
21:59 Speaker 03 Right.
22:00 Speaker 02 And so say identify the fire hydrants.
22:03 Speaker 03 I hate those. I always get them wrong.
22:05 Speaker 02 Well, that's because you're multitasking, doing 17 things at once.
22:09 Speaker 03 Sometimes they're hard to see. I'm like, I can't even see the like how which what's a bus and that, you know?
22:16 Speaker 02 Well, anyway, so you have to match the things and, and there's a new scam where they say, oh, we want you to verify you're human. And it's targeting people on computers, not on phones. And they want you to do various commands on your computer to verify you're a real person. Well, guess what they're doing? They're actually gaining control of your computer, either to be able to remotely see everything on it, or they're able to load some kind of malware or virus on it that allows them to infect your computer and capture, moving forward, all the stuff with your email
23:01 Speaker 02 and bank accounts and brokerage accounts and retirement accounts and all that. So when you get a capture request and they're asking you to hit a function key in a number or a control in a number, or command in a number, anything like that, know that you're getting scammed. Do not do it. I'll stop with that one right there.
23:26 Speaker 03 Okay. Anonymous in Florida wanted to tell you about a scam. People are circling big events. I saw this at a concert last night with fake plastic taxi on their dash, attempting to scoop up the masses who are waiting on Uber and Lyft rides. They'll load up a van full of people and then charge unbelievable fees. Last night, my wife and I spent $65 to go about three miles. I wasn't the one who gave him the cash, otherwise I would have told him to jump in the lake. I didn't know until he was riding off. If approached by these people, don't get in the car. Also, try to find a cop and turn them in because I'm sure they have no license, no insurance, et cetera. The guy last night picked six people up. My wife and I were two of them.
24:09 Speaker 03 He told us during the ride that he lives in Orlando and will be at the same singer's show in another city tomorrow night. I think he circles the state of Florida looking for big events.
24:19 Speaker 02 All right. So Anonymous, thank you very much. By the way, this is not just at concerts or sports. This is at almost every airport in the United States. Pretty much every airport overseas, there are these phony taxi people, unlicensed people. The greater danger is not what you faced with the van, because then there's a bunch of people there. The greater danger is when you get in one of these fake taxis and it's a setup to rob you. Not just of overcharging you a fare, but robbing you, could be a violent crime, whatever.
25:02 Speaker 02 Do not get in a cab that is not at an authorized or known cab stand. If you are in a foreign city and you want to get in a cab, you go to a nice hotel and you tip the bellman there to get a legitimate cab for you. That's how you stay safe in a foreign country. In the US, do not, when you're at baggage claim in an airport and a well-dressed person comes up, says, "Need a taxi?" They're all bogus and they come up very quietly and they're always well-dressed.
25:42 Speaker 02 Because in the big airports, the cops are on to this, depending on how many resources they can devote to it, they're going to try to prevent you from getting taken by one of these people. But I want you to be very, very mindful and careful. And I'm glad Anonymous bit, the worst that happened was you got ripped off 65 bucks.
26:06 Speaker 03 Okay, Robert in Michigan says, "Hello Clark, I'm a longtime T-Mobile customer on the Magenta Max 55+ plan with two lines."
26:15 Speaker 02 We promise you, we will never raise the price on you.
26:20 Speaker 03 When I signed up for this plan, I was told the price would never go up.
26:23 Speaker 02 Yeah.
26:23 Speaker 03 However, the price was increased about a year ago. Now, every time I deal with them, they want me to switch to a different plan under the premise that my life will be better and less expensive if I switch. The latest plan they pitched is something called Experience More and Experience Beyond. Should I switch or stay with the Magenta Max 55 Plus? By the way, every time I call them, it costs me half hour more of my life. Please clear up the confusion. Thanks, Clark. You are the man. When people ask who my financial advisors are, I tell them Clark Howard and Wes Moss.
26:55 Speaker 02 Well, thank you very much for that. And if you are a regular podcast listener, YouTube watcher of us, Wes does a podcast.
27:04 Speaker 03 Ask an Advisor on Tuesdays.
27:06 Speaker 02 Every Tuesday. He is really wonderful for people that are trying to figure out deeply involved life planning goals with investing. Not so much, should I buy this, fund that? That's not what it's about. It's about dealing with you, really making sure you've got a good plan going forward for your finances. And so I'm really glad that we have Wes doing that. All right, so let's go to the T-Mobile thing. T-Mobile, remember they were the un-carrier? And they were all about being different than what their CEO used to call dumb and dumber, which was AT&T and Verizon?
27:49 Speaker 03 They had, their CEO was so funny.
27:51 Speaker 02 He, John Ledger.
27:53 Speaker 03 Big character, John Ledger, yeah.
27:54 Speaker 02 He was the one who did a cooking show, too.
27:56 Speaker 03 Yes, he did, he did.
27:57 Speaker 02 He had the worst trash mouth of any successful CEO other than the head of Ryanair. Anyway, so T-Mobile is now on their second CEO since then. And they have become, I don't say this to be offensive to used car salespeople. It's just, there's a, there's an image people have of used car salespeople. T-Mobile is worse than your worst.
28:25 Speaker 02 Idea of a used car salesman, the way they treat their customers now. It's atrocious, the way they behave. And their employees are miserable and the customers are confused all the time. And T-Mobile broke promises, you know, that you were in a plan for life, but they didn't mean it. So what would I do if I was on Magenta Max 55+, which was a great plan, by the way? You've only suffered one price increase so far. Ignore everything they try to sell you up to. Stay on it, but better yet, look at the competition. There are now, T-Mobile used to be the bargain company. That ain't true anymore.
29:11 Speaker 02 We put a lot of effort at Clark.com into helping you find alternatives to any of the companies or plans you're on that could save you a lot of money. So T-Mobile, by being jerks, could actually be doing a benefit to you by getting you to shop around. But otherwise, if you're really thrilled on 55+ Magenta Max, stay on it and just put cotton in your ears and ignore all the junk they try to lie through their teeth, selling you at T-Mobile.
29:49 Speaker 03 But you mentioned Clark.com, but the best, we have an amazing tool there that you can go, put in how many lines you need, what you need, and it will tell you the best plans for you. So go to Clark.com/phoneplanfinder, phoneplanfinder, and try that out. I've had lots of friends that have saved big money using it. Pete in New Jersey says, "I'm wondering what you think about TIAA. Clark often sings the praises of Fidelity, Schwab, and Vanguard, but many of us in careers such as teaching and healthcare have our 403Bs with TIAA by default. Do you recommend keeping our funds with them upon retirement, or should we consider transferring them elsewhere?"
30:29 Speaker 02 This is a great question that doesn't have an automatic answer. TIAA, they're like the good people.
30:38 Speaker 02 In the annuity business with the 403B stuff. 403B stuff is junk and it is a national scandal that we force people who work as teachers into the inferior 403B product instead of having access to 401Ks. But TIAA has always been, they've been the good guys in what is a nasty business. So the question you have to look at with your TIAA account, what are the underlying expenses you're paying in the TIAA funds you're in?
31:23 Speaker 02 If they are quite reasonable, which would be, you don't want to be paying anything more in total fund expenses of half a point or more, that you want the expense ratio to be below 0.50 of a percent. If they're above that, then you definitely want to exit and move your money somewhere else. Now, the reality is with Fidelity, Schwab and Vanguard, you can get your expenses down to, you know, usually 0.10 of a percent, 0.05 of a percent, and that will make a difference over time.
32:03 Speaker 02 But if your TIAA funds are reasonable in cost, and TIAA has many different funds with various fund expense levels, as long as yours are really decent, you can stay where you are and be comfortable and be happy. So in terms of 403Bs, TIAA is the equivalent of Fidelity, Schwab and Vanguard. But when they're competing head to head, With retirees who can move their money, then it's a little harder for TIAA to compete with Fidelity, Schwab, and Vanguard. So that's kind of the way I'd spell it out.
32:48 Speaker 02 And it is possible, I should mention with Fidelity. Fidelity also has a situation more like TIAA does, that they will have Fidelity branded funds that are very low cost. And then Fidelity funds that are not really low cost. So you have to be aware, if you're a Fidelity account holder, how important it is for you to look at the funds you're in, the Fidelity branded funds, and make sure you're in the low cost versions of Fidelity funds and not higher cost ones. With that having been said, we are done for today. But you know what's coming up on our next episode? Clark Stinks. I can't wait.
33:33 Speaker 02 And I hope that you heard something today useful to you in your own life, that you're like, hey, I didn't really think about that. I could do that. Could stop wasting money on a terrible cellphone plan and put $1,000 a year back in my pocket. That's the goal. That you take information you learn from here and put it to work in your own life. We're not useful, I'm not useful to you if all I'm doing is spewing stuff out and not making it actionable in your life. That's the goal. I want you empowered so you can save more, spend less, and avoid getting ripped off. And in just a couple of days, the entertainment zone is open.
34:18 Speaker 02 Clark Stinks. See you then.
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