Three-quarters of Americans own at least one credit card, but with the average interest rate at 15%, the typical household is in at least $7,000 of credit card debt. Why can’t Americans stop themselves from borrowing more? New research suggests it could simply be a case of convenience.

The AmEx Black Card boasts a range of exclusive perks, but with the cost of signing up and retaining it prohibitively high, owning one is a pipedream for most people. Magnises offers a high-end, low-cost alternative that comes complete with insider experiences and a curated community.

We know that seamless payments can affect how we splash out, but could they also impact how we feel about the things we’re buying? Canvas8 sat down with Dr. Avni Shah, co-author of ‘Paper or Plastic?’, to understand how the method by which we pay influences product satisfaction and brand loyalty.

Global warming is a growing concern in this age of environmental awareness. Is there anything we can do to ease our collective guilt while still taking a trip abroad or buying a smartphone? Sustain:Green is a biodegradable credit card that rewards users with carbon offsets when used.