Emily Roth

Dear Clever Credit, I went to a new restaurant Wednesday night with a few friends, and the bill was $125. I left a 15% tip of $18 – or at least I thought I did. I looked at my account later and saw a tip of $78! What should I do? That isn't what I agreed to. Signed, Tipped Out Dear Tipped, Yikes! Hopefully this is just an innocent mistake and your server misread your tip, thinking that "1" was a "7." Either way, you have a couple of options.

Key Takeaways The Federal Reserve reports increases in credit card originations and median credit limits. Approvals for cardholders with fair credit are on the rise. With high credit card APRs, carrying a balance costs more. Banks are giving cardholders more borrowing power.

Getty Images Gen Zers are becoming key consumers of the premium credit card market. Key Takeaways New data reveals that a higher percentage of Gen Z consumers are reaching "super-prime" credit status, which means they have a credit score of 720 or higher. Gen Z's credit awareness has been increased by coming of age during the financial crisis, plus the proliferation of digital credit education tools and platforms.