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   The return of credit card debt
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   Plus: Iger and Kushner's $12.5 billion Lakers deal.
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              Thursday, August 13, 2026
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               U.S. credit card debt is inching closer to its record $1.28 trillion peak
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               American credit card debt climbed to $1.26 trillion in the second quarter of 2026, just shy of the $1.28 trillion peak reached in the fourth quarter of last year, but the numbers released by the Federal Reserve Bank of New York were't all bad. Total U.S. 
household debt edged down $13 billion in the second quarter to $18.8 trillion, and mortgage balances fell $74 billion to $13.1 trillion.
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               Between mid-2022 and early 2026, the portion of card balances that had gone at least 90 days without payment climbed from 7.6% to 12.8%, according to CNBC, but New York Fed researchers cautioned that the figure reflects a backlog of old charged-off debts lingering on credit reports rather than a broad deterioration in consumers' 
current repayment behavior.
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               There are still areas of concern. Auto loan balances rose $28 billion to a record $1.71 trillion and home equity lines of credit increased $13 billion to $459 billion.
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               "Delinquency rates across most products have held steady over the past two years," Joelle Scally, Economic Policy Advisor at the New York Fed, said in a statement. "Still, new delinquencies for 
auto loans and credit cards remain at elevated levels, a trend we'll continue to monitor."
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                   <tr class="trpad20" style="background-color:#F9F8F6">
                    <td class="editor-cell-text td100" colspan="6" style="padding:10px 20px;font-family:Arial,Helvetica,sans-serif;color:#121721;line-height:1.6;width:560px;background-color:#F9F8F6;font-size:24px;vertical-align:top;mso-line-height-rule:exactly" width="560">
                     <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;font-weight:bold;color:#121721">
                      <span style="color:#121721">
                       Voice AI your users will actually enjoy talking to.
                       <span class="ql-cursor">
                        
                       </span>
                      </span>
                     </h2>
                    </td>
                   </tr>
                   <tr class="trpad20" style="background-color:#F9F8F6">
                    <td class="editor-cell-text td100" colspan="6" style="line-height:1.6;width:560px;background-color:#F9F8F6;padding:20px;color:#121721;font-size:16px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;mso-line-height-rule:exactly" width="560">
                     <div>
                      <strong style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Great AI isn't just intelligent—it sounds natural.
                      </strong>
                     </div>
                     <div>
                      <span style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       ElevenAgents combines ElevenLabs' industry-leading voice models with real-time conversational infrastructure so your applications can speak with expressive, human-like voices in dozens of languages.
                      </span>
                     </div>
                     <div>
                      <br/>
                     </div>
                     <div>
                      <strong style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Speak 
to anyone, anywhere.
                      </strong>
                     </div>
                     <div>
                      <span style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Support your users in dozens of languages with voices that understand context, nuance, and intent. Global conversations, made effortless.
                      </span>
                     </div>
                     <div>
                      <br/>
                     </div>
                     <div>
                      <strong style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Launch faster. Build smarter.
                      </strong>
                     </div>
                     <div>
                      <span style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Skip months of voice development. With our prebuilt infrastructure 
and SDKs, you can go from idea to conversational AI—fast.
                      </span>
                     </div>
                     <div>
                      <br/>
                     </div>
                     <div>
                      <strong style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       Support, sell, and scale—without limits.
                      </strong>
                     </div>
                     <div>
                      <span style="background-color:rgba(0,0,0,0);color:#000000;font-size:16px">
                       From 24/7 customer support to lead qualification and appointment scheduling, ElevenAgents helps you deliver better experiences at every touchpoint.
                      </span>
                     </div>
                    </td>
                   </tr>
                   <tr class="trpad10" style="background-color:#F9F8F6">
                    <td class="td100" colspan="6" style="width:580px;background-color:#F9F8F6;vertical-align:middle;text-align:center;color:#00D5FF;padding:10px;font-family:Arial,Helvetica,sans-serif;font-size:16px" width="580">
                     <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto" width="80%">
                      <tbody>
                       <tr>
                        <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;color:#00D5FF;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                         <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none;border-spacing:0;border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0;mso-margin-top-alt:0px;mso-margin-bottom-alt:0px;mso-padding-alt:0px 0px 0px 0px;margin-left:auto;margin-right:auto" width="100%">
                          <tbody>
                           <tr>
                            <td height="50" style="vertical-align:middle;text-align:center;color:#00D5FF;font-family:Arial,Helvetica,sans-serif;font-size:16px" valign="middle">
                             <!--[if !mso]><!-->
                             <a style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: 1px solid #000000; display: block; " target="_blank">
                              <!--<![endif]-->
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                              <tbody>
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                                <td align="center" bgcolor="#000000" style="text-align:center;vertical-align:middle;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;color:#00D5FF;font-family:Arial,Helvetica,sans-serif;font-size:16px" valign="middle">
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                                    <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;color:#00D5FF;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                                     <!--[if !mso]><!-->
                                     <span style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border:
none; display: block; ">
                                      Try ElevenAgents →
                                     </span>
                                     <!--<![endif]-->
                                     <!--[if mso]><a href="https://www.ne16.com/t/11075807/222404108/10341734/1/1009235/?f5d63f87=REIlMjAwOC0xMw&x=b7248115" target="_blank" style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: none; display: block; ">Try ElevenAgents 
→</a><![endif]-->
                                    </td>
                                   </tr>
                                  </tbody>
                                 </table>
                                </td>
                               </tr>
                              </tbody>
                             </table>
                             <!--[if !mso]><!-->
                             <!--<![endif]-->
                            </td>
                           </tr>
                          </tbody>
                         </table>
                        </td>
                       </tr>
                      </tbody>
                     </table>
                    </td>
                   </tr>
                   <tr style="background-color:#F9F8F6">
                    <td class="td100" colspan="6" height="24" style="background-color:#F9F8F6;width:600px;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#121721" width="600">
                     <!--[if mso]><img src="//editor.ne16.com/spacer.gif" 
style="mso-hide:all;border:0;"><![endif]-->
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                  </tbody>
                 </table>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" height="24" style="width:600px;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#121721" width="600">
             <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
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           <tr class="trpad10">
            <td class="editor-cell-text td100" colspan="6" style="padding:10px;width:580px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:16px;color:#121721" width="580">
             <h1 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:32px;font-weight:bold;color:#121721">
              <span style="font-family:Arial">
               Today's Poll
              </span>
             </h1>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" style="width:600px;vertical-align:middle;text-align:center;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" width="600">
             <div class="editor-email-poll" data-pollid="9a4417a1-f4f1-4611-a97d-e9eb3a5c9c68">
              <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;font-weight:bold;color:#121721">
               Do you carry a credit card balance every month?
              </h2>
              <div>
               <br/>
              </div>
              <div class="editor-poll-answers classic">
               <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto 8px auto" width="100%">
                <tbody>
                 <tr>
                  <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none;border-spacing:0;border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0;mso-margin-top-alt:0px;mso-margin-bottom-alt:0px;mso-padding-alt:0px 0px 0px 0px;margin-left:auto;margin-right:auto" width="100%">
                    <tbody>
                     <tr>
                      <td height="40" style="vertical-align:middle;text-align:center;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                       <!--[if !mso]><!-->
                       <a style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: 1px solid #000000; display: block; " target="_blank">
                        <!--<![endif]-->
                       </a>
                       <table align="center" bgcolor="#000000" cellpadding="0" cellspacing="0" class="newButton" height="40" style="-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;padding:10px;mso-padding-alt:10px;margin-left:auto;margin-right:auto" width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#000000" style="text-align:center;vertical-align:middle;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                           <table align="center" bgcolor="#000000" cellpadding="0" cellspacing="0" style="-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;margin-left:auto;margin-right:auto" width="100%">
                            <tbody>
                             <tr>
                              <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                               <!--[if !mso]><!-->
                               <span style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">
                                Yes, and I can't seem to pay it off
                               </span>
                               <!--<![endif]-->
                               <!--[if mso]><a href="https://www.ne16.com/t/11075807/222404108/10349080/1/1009235/?abb9e380=NGYzZmQyODYtMmZhOS00YzdjLWFkYzktMzQyOGNhZmI3ZDBl&f5d63f87=REIlMjAwOC0xMw&x=67e17108" target="_blank" style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">Yes, and I can't seem to pay it off</a><![endif]-->
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                       <!--[if !mso]><!-->
                       <!--<![endif]-->
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
               <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto 8px auto" width="100%">
                <tbody>
                 <tr>
                  <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none;border-spacing:0;border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0;mso-margin-top-alt:0px;mso-margin-bottom-alt:0px;mso-padding-alt:0px 0px 0px 0px;margin-left:auto;margin-right:auto" width="100%">
                    <tbody>
                     <tr>
                      <td height="40" style="vertical-align:middle;text-align:center;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                       <!--[if !mso]><!-->
                       <a style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: 1px solid #000000; display: block; " target="_blank">
                        <!--<![endif]-->
                       </a>
                       <table align="center" bgcolor="#000000" cellpadding="0" cellspacing="0" class="newButton" height="40" style="-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;padding:10px;mso-padding-alt:10px;margin-left:auto;margin-right:auto" width="100%">
                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#000000" style="text-align:center;vertical-align:middle;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                           <table align="center" bgcolor="#000000" cellpadding="0" cellspacing="0" style="-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;margin-left:auto;margin-right:auto" width="100%">
                            <tbody>
                             <tr>
                              <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                               <!--[if !mso]><!-->
                               <span style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">
                                No. I pay my balance in full every month
                               </span>
                               <!--<![endif]-->
                               <!--[if mso]><a href="https://www.ne16.com/t/11075807/222404108/10349081/1/1009235/?abb9e380=NGYzZmQyODYtMmZhOS00YzdjLWFkYzktMzQyOGNhZmI3ZDBl&f5d63f87=REIlMjAwOC0xMw&x=46eefb25" target="_blank" style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">No. I pay my balance in full every month</a><![endif]-->
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                       <!--[if !mso]><!-->
                       <!--<![endif]-->
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
               <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto" width="100%">
                <tbody>
                 <tr>
                  <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none;border-spacing:0;border-collapse:collapse;mso-table-lspace:0;mso-table-rspace:0;mso-margin-top-alt:0px;mso-margin-bottom-alt:0px;mso-padding-alt:0px 0px 0px 0px;margin-left:auto;margin-right:auto" width="100%">
                    <tbody>
                     <tr>
                      <td height="40" style="vertical-align:middle;text-align:center;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                       <!--[if !mso]><!-->
                       <a style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: 1px solid #000000; display: block; " target="_blank">
                        <!--<![endif]-->
                       </a>
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                        <tbody>
                         <tr>
                          <td align="center" bgcolor="#000000" style="text-align:center;vertical-align:middle;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721" valign="middle">
                           <table align="center" bgcolor="#000000" cellpadding="0" cellspacing="0" style="-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;margin-left:auto;margin-right:auto" width="100%">
                            <tbody>
                             <tr>
                              <td align="center" bgcolor="#000000" style="text-align:center;-webkit-border-radius:25px;-moz-border-radius:25px;border-radius:25px;font-size:16px;font-family:Arial,Helvetica,sans-serif;color:#121721">
                               <!--[if !mso]><!-->
                               <span style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">
                                Only some months, depending on expenses
                               </span>
                               <!--<![endif]-->
                               <!--[if mso]><a href="https://www.ne16.com/t/11075807/222404108/10349082/1/1009235/?abb9e380=NGYzZmQyODYtMmZhOS00YzdjLWFkYzktMzQyOGNhZmI3ZDBl&f5d63f87=REIlMjAwOC0xMw&x=dbaecda1" target="_blank" style="-webkit-border-radius: 25px; -moz-border-radius: 25px; border-radius: 25px; color: #00D5FF; text-decoration: none; font-family: Arial; font-size: 16px;  border: none; display: 
block; ">Only some months, depending on expenses</a><![endif]-->
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                       <!--[if !mso]><!-->
                       <!--<![endif]-->
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </td>
                 </tr>
                </tbody>
               </table>
              </div>
             </div>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" height="24" style="width:600px;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#121721" width="600">
             <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
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            <td class="editor-cell-text td100" colspan="6" style="padding:10px;width:580px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:16px;color:#121721" width="580">
             <h1 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:32px;font-weight:bold;color:#121721">
              <span style="font-family:Arial">
               Here's what you need to know
              </span>
             </h1>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:600px;position:static;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:16px;color:#121721" width="600">
             <table align="center" border="0" cellpadding="0" cellspacing="0" class="dragndrop" data-rss-posts="undefined" height="100%" style="table-layout:fixed;margin-left:auto;margin-right:auto" width="100%">
              <tbody>
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                <td align="center" class="editor-cell-image td100" colspan="2" style="background-color:#F9F8F6;width:200px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:16px;color:#121721" valign="middle" width="200">
                 <a aria-label="" style="color:#121721" target="_blank" title="">
                  <img alt="" class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Fqz.com%252Fcdn-cgi%252Fimage%252Fwidth%253D640%252Cheight%253D360%252Cfit%253Dcover%252Cquality%253D75%252Cformat%253Dauto%252Fhttps%253A%252F%252Fassets.qz.com%252Fmedia%252FDonald%2520Trump.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZxei5jb20lMkZjZCIsInRpbWUiOjE3ODY2MTU5MTUuOTAxNzIwNX0:1wuSPj:4xYgMgcSrCYfMrYUbmefJTVJvsjcDgW106i4xD4Y0K4" style="width:200px;vertical-align:middle;border:0" width="200"/>
                 </a>
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                <td class="editor-cell-text td100" colspan="4" style="background-color:#F9F8F6;padding:10px;font-size:16px;font-family:Arial,Helvetica,sans-serif;width:380px;line-height:1.4;vertical-align:top;color:#121721;mso-line-height-rule:exactly" width="380">
                 <div>
                  <strong style="color:#016FF0">
                   <a data-linktext="Trump is being sued for selling access to Truth Social posts." data-linktype="Normal" style="color:#17253D" target="_blank">
                    Trump is being sued for selling access to Truth Social posts.
                   </a>
                  </strong>
                  The Intercept Media and the Freedom of the Press Foundation says President Donald Trump's service, which 
costs up to $100,000 per month, violates the First Amendment's guarantee of equal access to a president's public statements.
                 </div>
                </td>
               </tr>
               <tr style="background-color:#F9F8F6">
                <td class="td100" colspan="6" height="24" style="background-color:#F9F8F6;width:600px;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#121721" width="600">
                 <!--[if mso]><img src="//editor.ne16.com/spacer.gif" style="mso-hide:all;border:0;"><![endif]-->
                </td>
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                  The lawsuit accuses Meta of 
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