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Hey fam,
I'm Mya, Credit Stan, let's get into it.
The New York Fed's latest household debt report shows Americans now owe about $1.26 trillion on credit cards, close to last year's record. And roughly 6 in 10 cardholders carry a balance month to month.
That means 6 out of 10 people pay interest every single month. The other 4 use their cards for free. Today's goal: move you from the 6 to the 4.
Blu Dot surpasses 2,000% ROAS with self-serve CTV ads
Home furniture brand Blu Dot blew up on CTV with help from Roku Ads Manager. Here’s how:
After a test campaign reached 211,000 households and achieved 1,010% ROAS, the brand went all in to promote its annual sales event. It removed age and income constraints to expand reach and shifted budget to custom audiences and retargeting, where intent was strongest.
The results speak for themselves. As Blu Dot increased their investment by 10x, ROAS jumped to 2,308% and more page-view conversions surpassed 50,000.
“For CTV campaigns, Roku has been a top performer,” said Claire Folkestad, Paid Media Strategist, Blu Dot. “Comping to our other platforms, we have seen really strong ROAS… and highly efficient CPMs, lower than any other CTV partner we've worked with.”
Using Roku Ads Manager, the campaign moved from a pilot to a permanent performance engine for the brand.
Your 3-step move from the 6 to the 4
List every card by balance and APR. Write it down; don't keep it in your head.
Pick your payoff method. Avalanche (highest APR first) saves the most money. Snowball (smallest balance first) gets you the fastest wins.
Pay more than the minimum on your target card, even $25 extra. Minimum payments are designed to keep you in the 6.
Hands Down Some Of The Best 0% Interest Credit Cards
Pay no interest until nearly 2028 with some of the best hand-picked credit cards this year. They are perfect for anyone looking to pay down their debt, and not add to it!
Click here to see what all of the hype is about.
Stan tip
Once a card hits $0, don't close it. Keep it open, use it for one small bill, and pay it in full. That protects your credit history and your utilization.
Elon's Cooking Up Something Big
Love him or hate him, Musk moves markets. His next launch hits July 22, and the smart money is already positioning. Our analyst found 3 stocks set to ride it — with entry points and a buy/sell playbook.
Talk soon,
Mya, Credit Stan