America’s favorite credit cards, What to do if your phone gets lost or stolen

Is your credit card on this list?  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

April 21, 2026   |   Read online Advertisement 💵 Today’s Top Stories America’s Favorite Credit Cards Per Latest Consumer Survey The top credit card issuer – not Mastercard or Visa – won for the sixth consecutive year. Plus, learn customer category favorites including no-fee and annual-fee rewards cards and co-branded cards. Read more. 9 Steps To Take If Your Phone Gets Lost or Stolen You reach into your pocket and realize your phone is gone. You can’t find it. You panic. Your entire life is on that thing. What do you do to protect yourself? Read more. 3 Reasons You Should Never Book a Nonrefundable Hotel Room Clark is an expert on finding good deals on hotel rooms. Why does he exclusively book refundable rooms? Read more. Is Pet Insurance Worth It? Americans consider their pets to be family members. But they can be mighty expensive if something goes wrong. Should you protect yourself with pet insurance? Read more. 😱 Auto Loan Term Lengths Getting Scary Drivers going upside-down on auto loans and taking on loans with terms much longer than is healthy for their wallets is a major issue right now. In fact, more than 40% of auto loans are for 72 months at the moment – or six years. For reference, Clark advises against agreeing to an auto loan longer than 42 months. Dealers are pushing buyers toward longer loans to keep sales moving as affordability tightens. That’s driving negative equity on used-vehicle trade-ins. Many customers are trading vehicles every three to five years, rolling unpaid balances into new loans. Last year, 26% of trade-ins carried negative equity, up 2% from 2024. You can cringe reading that 84-month auto loans now account for almost 13% of new-vehicle financing. That’s nearly double the rate of just seven years ago. Even with longer terms, one in five buyers is paying more than $1,000 per month. “While the auto and consumer financing industries still have plenty of tools at their disposal to keep this cycle going for the near-term, the extended buildup of longer-term loans, increased negative equity and liberal use of incentives could eventually create a day of reckoning where it is impossible to keep engineering a soft landing,” JD Power said. Avoid a day of reckoning in your own life by driving your “old” vehicle for longer, keeping your loan terms to a reasonable length and making smart choices in terms of the price range you can afford. 📊 Stat of the Day 🚘️ $1,500: Approximate price increase for the average used vehicle in the last month. That’s a sharp increase that follows a $450 jump from mid-February to mid-March. So prices are up nearly $2,000 per used vehicle within the last two months. 💰️ Deal Alert: Today’s Top Deals 9-night London, Paris & Amsterdam trip with train & flights from $1,769 Get this deal. 7-night Ireland guided tour with air & Cliffs of Moher from $1,599 Get this deal. See All of the Best Deals Today 🎙️ Podcast Full Show: Best Subscription Free Security Cameras & Fast vs Free Delivery Clark dives into the creepy but necessary world of security cameras. While that recent Super Bowl ad about a lost pet may have been marketed as heartwarming, it served as a stark reminder of just how much we are being watched. Clark breaks down the latest reviews from Consumer Reports and CNET to highlight high-quality, DIY camera options that offer motion alerts and peace of mind without the recurring bill. Also, Clark tackles the massive shift in online retail as Amazon rolls out 1-hour and 3-hour delivery options across 2,000 cities for an extra fee. While the "e-commerce colossus" is setting new trends, they are actually playing catch-up to the ultra-fast delivery models already proven by Costco, Walmart, and BJ’s Wholesale. Clark warns that there is nothing "free" about shipping. Before you click "buy" on that expedited shipping, Clark discusses why opting for slower delivery is often the smarter financial move that helps keep retail costs lower for everyone. Watch the Full Episode ☎️ Need Money Help? The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information. Advertisement Did You Enjoy Today’s Newsletter? Let us know what you think so we can better serve you! It was great! It was OK. It wasn't very good. Team Clark uses beehiiv to create and send our newsletters.   Update your email preferences or unsubscribe here © 2026 Clark Howard, Inc. 1601 West Peachtree Street Atlanta, GA 30309, United States Terms of Service