Clark says you need to keep these documents (10 22 26)

💵 Today’s Top Stories

Which Documents Should You Keep and for How Long?

Unless you’re a hoarder, you probably don’t want to keep reams of years-old paper sitting in boxes. Here’s what Clark says you need to keep – and for how long. Read more.

7 Credit Cards in Clark’s Wallet

We opened Clark’s wallet for you. Can you guess the seven credit cards he keeps inside in 2026? Read more.

Is Costco Homeowners Insurance a Good Deal?

Costco members can qualify for special discounts and extra perks on homeowners insurance, including identity theft protection and coverage for spoiled food. But there are some potential drawbacks even for loyal Costco shoppers. Read more.

Traveling Overseas? This Simple Phone Trick Could Save You Hundreds

Using your regular cell phone plan abroad can cost you real money. Clark explains how a simple switch can cut your international phone costs, especially if you wait until you arrive at your destination. Read more.

💸 Ask Clark

Ask Clark Howard

Podcast | YouTube

On his podcast, Clark Howard answers real reader questions on money, credit, debt, retirement, travel, and more, along with co-host Christa DiBiase.

Today's question

Johnny in Michigan asks:

"I know Clark dislikes mailing checks for security reasons. But is it also a bad idea to mail back a bill with your credit card number written on it instead?"

Clark's answer: It's not as risky as mailing a check. What I prefer you do when paying a bill is pay it on the business's website using your credit card, which is safer than mailing the card number back to them. However, sending a payment through the mail with your credit card number written on it is infinitely safer than mailing a check. The reason why is that a check can easily be manipulated, and you can get completely cleaned out.

It's very hard to get your money back when a check has been washed. On the other hand, if you write in your credit card number and mail in that payment, even if someone gets a hold of it and starts using it, your maximum liability is $50. With most issuers, it's actually $0 in a situation like that. So one option has infinite risk, and the other has finite risk, making the credit card a much better choice.

Submit a question for Clark

📊 Stat of the Day

❝

💻 74%: Percentage of respondents who failed to identify a typosquatted URL, such as a slight misspelling mimicking a legitimate brand's web address, according to a study by NordVPN. Despite 71% believing that common sense alone is sufficient to stay safe online, nearly three-quarters recently encountered an online scam, and 13% lost or nearly lost money.

💰 Deal Alert: Today’s Top Deals

Earn up to $1,000 with a minimum deposit + up to 5.00% APY

Get this deal.

The best deals at Amazon right now

Get this deal.

See All of the Best Deals Today

🎙 Podcast

Are you seeing unexpected surges on your energy bills and grocery receipts? You aren't alone, but taking control of your monthly expenses comes down to knowing where the real price traps are hiding. Clark unpacks the latest updates on winter heating trends and shifting food prices to help you make smarter financial decisions. First, discover why home heating oil prices are squeezing homeowners, how steady natural gas supplies are offering relief, and why simple home fixes can keep your home warm without breaking the bank. Then, Clark exposes what is really happening behind the scenes at the supermarket. While store-brand basics and produce are becoming much more affordable, brand-name junk food and processed snacks continue to climb in price as manufacturers test how much shoppers are willing to pay.

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.