Sabrina Karl

Sabrina Karl

Sabrina Karl loves telling – and especially showing – stories that are conveyed with numbers. Whether it’s data on the nation’s credit card debt or the financial struggles faced by seniors, millennials, or anyone in between, Karl combines an analytical mindset with serious Excel chops and a dash of graphic design to create infographic stories for, and previously for, and

Sabrina Karl's stories for

Online bill payment: Credit overtakes debit as preferred payment method -- Since 2016, consumers have preferred credit over debit for online retail, travel and digital media. A new study shows paying bills online is now on that list. ... (See Credit vs. debit )

Paying at the pump: Most drivers swipe debit instead of credit -- While credit cards seem an obvious choice for pay-at-the-pump convenience while also potentially earning rewards, more drivers are swiping a debit card for their fill-ups. ... (See Paying at the pump)

Credit card debt: Millennials most likely to take a hit from non-essential spending -- Americans have plenty of expenses they consider non-essential these days. And for millennials, those discretionary purchases are taking a big bite out of their budget. ... (See Credit card debt)

Data breaches dropped in 2018, but more personal information was exposed -- The number of data breaches dropped 24 percent in 2018, but the number of sensitive records involved in those breaches more than doubled, for a whopping 126 percent increase. ... (See Data breaches)

Debit payments surge, but more money is spent on credit cards -- If you've been using your debit card more often than you did last year, but charging more dollars to your credit card, your pattern matches the findings of a new study by the Fed. ... (See Study: credit vs. debit)

Millennials most candid when discussing money with future spouses -- A new survey shows millennial couples consistently reporting greater transparency and more candid discussion with their future spouses on a number of financial fronts than older adults. ... (See Marriage and money)

Credit vs. debit: Older millennials prefer debit, unlike other groups under 55 -- A recent survey shows older millennials stand alone among the under-55 crowd in preferring to pay with debit over credit. However, Gen Z is evenly split between the two. ... (See Credit vs. debit )

Credit card signature requirements getting dropped by retailers -- No-signature retailers may be more common than signature retailers within the next year, according to a new study. ... (See Credit card signature requirements )

Millennial mobile payment users display costly card habits -- Millennial mobile payment users have more assets, higher incomes and higher levels of education than non-users, but they're also more likely to pay only the minimum on their cards and incur late fees, new research shows. ... (See Millennials and mobile payments )

Credit card theft: Most stolen card numbers come from EMV-enabled plastic -- A new study shows that the majority of stolen card numbers for sale on the dark web are still coming from "card-present" transactions, and almost all of them involve chip cards. ... (See Credit card theft )

Millennials more likely to discuss credit card debt than older adults -- More than three-quarters of Americans say card debt is something they keep under wraps. However, millennials are more chatty about it than older adults. ... (See Millennials most likely to discuss card debt)

Holiday shopping: Many consumers would give up their data for discounts -- A new survey shows the share of U.S. consumers who are reluctant to give up their data to a store for a holiday discount has fallen since last year, despite high-profile data breaches. ... (See Holiday shopping security)

Millennials manage spending, debt better than older generations -- A new study shows millennials are outdoing their parents' and grandparents' generations when it comes to keeping spending and debt in check. ... (See Millennials' money habits)

Many millennials check their credit scores on their phones -- Nearly half of U.S. millennials use their smartphones to check their credit scores. And a majority of young adults use their phones for a variety of other financial activities. ... (See Millennials' mobile money management )

AARP study: Consumers putting themselves at risk of fraud -- A new study by AARP finds only 4 in 10 American adults have set up online access to all their bank accounts, and only 57 percent have done so with their credit card accounts ... (See AARP digital risk survey )

College football fans would cut back on dining, coffee to fund fandom -- A new survey by SunTrust Banks reveals nearly half of college football fans would stop dining out in order to fund one season of fandom ... (See College football fandom )

Credit scores and car insurance: Bad credit means a higher premium -- Residents of some states may pay double or triple for auto insurance if they have poor credit, compared to drivers with excellent credit ... (See Credit scores and car insurance)

South Dakota, North Carolina lead nation in new card accounts -- New data from Experian shows card balances grew 6.6 percent year-over-year in the second quarter, and new credit card accounts grew even faster ... (See States' card debt )

Millennials taking their credit building seriously -- Seventy percent of millennials checked their credit scores in the past 12 months - more than older age groups ... (See Millennial credit )

About half of parents talk to their kids about money -- While more than 8 in 10 American parents say it's never too early to teach a child about money, just more than half follow through and have those conversations, a Chase survey finds. ... (See Parents, kids and money)

Credit card bills are first to go unpaid, Fed finds -- When bills must go unpaid now, credit cards are at the top of the list, a Federal Reserve survey finds. That changed during the recession, when credit card bills were paid because they were viewed as a financial lifeline. ... (See Card bills unpaid)

Small businesses often rely on credit cards, Fed study finds -- Credit cards play a major role in financing small businesses, a new Fed survey finds. More than half of small businesses surveyed (51 percent) reported using credit cards for their operations on a regular basis. ... (See Small businesses and credit cards)

Who rolls over card debt and pays late? Study finds surprises -- Among cardholders who roll over their debt from month to month, age and other financial obligations -- not income and education -- are factors in who pays on time and who pays late, a new Auriemma Consulting Group study finds. ... (See Late payments study)

JD Power survey: American Express credit card mobile app ranks No. 1 -- The survey measures mobile apps on ease of navigation, appearance, clarity of information, range of services, and availability of key information. ... (See Credit card issuer mobile apps)

Americans are more focused on their waistlines than their bottom line -- Americans are more focused on their waistlines than their bottom lines, a TD Bank survey finds. Millennials, though, buck the trend. They put financial goals ahead of health goals. ... (See Health and financial goals)

Millennials redeem card rewards for travel the most; silent generation the least -- Millennials are the biggest travel rewards redeemers, a Discover survey finds. The silent generation redeems rewards for travel the least. ... (See Travel rewards and generations)

Fewer Americans stick to financial lessons of Great Recession -- Fewer Americans are sticking to the financial lessons they learned in the Great Recession, the American Institute of CPAs finds. ... (See Great Recession financial lessons)

Those with financial plans make other smart money moves -- If you write down a financial plan, you're much more likely to have an emergency fund and pay off your credit card bills monthly, Charles Schwab research shows ... (See Financial planners)

Credit card losses from synthetic identity fraud jump -- Synthetic identity fraud, in which thieves create identities for bogus people, is increasing, Aite Group finds. And losses from the fraud are expected to rise another 53 percent by 2020. ... (See Synthetic identity fraud)

Child ID breaches rampant, usually caused by a familiar face -- In most cases, a family member or friend steals the child's data ... (See Child ID breaches)

Millennials most likely to carry card balances, survey says -- A generational survey of credit card debt finds that grandma probably doesn't carry a balance, but Junior does. ... (See Generations and card debt)

Chip cards are more popular three years after introduction -- Chip cards are increasingly viewed as faster and more convenient than magnetic strip cards, a Fiserv survey finds ... (See Chip cards)

More millennials have credit card debt than student loans -- More millennials have credit card debt than student loans, a NBC News/GenForward survey finds. ... (See Millennials and credit card debt)

Americans going cashless varies by age and region -- While three in 10 Americans say they never or rarely carry cash anymore, millennial women in the the Southeast and Southwest are leading the way, a Capital One study finds. ... (See Americans are going cashless)

Cardholders desire security features from their mobile wallets -- The No. 1 desired mobile wallet feature: A "No, I didn't buy that" button. ... (See Mobile wallet security)

Half of new credit accounts are opened online -- Half of new credit accounts are opened online, but the percentage differs by generation, a Jumio survey finds. For example, millennials lead in starting and completing a credit application by smartphone. ... (See How we open credit accounts)

Millennials most likely to fall for financial scams, FTC finds -- Millennials are more likely to fall for financial scams, the Federal Trade Commission finds. Seniors, however, lose more money to fraudsters. ... (See Millennials and financial scams)

Almost half of Americans plan to use tax refund to boost savings -- As tax refunds arrive, almost half of Americans say they will use some or all of their windfall to boost savings, a National Retail Federation study finds. About a third say they'll use their refund to pay down debt. ... (See Tax refunds: Save or pay down debt?)

Consumer trust in Equifax sinks after data breach -- Consumer trust in Equifax sank after its 2017 data breach. Confidence in other credit bureaus is above 70 percent, for Equifax it's 60 percent. ... (See Consumer trust in Equifax sinks)

Infographic: Cards, debt, delinquencies all on the rise -- The number of open credit cards, the share of cardholders with seriously delinquent accounts and the amount of debt are all on the rise, TransUnion finds ... (See Cards, debt and delinquencies)

Study: ID theft hits an all-time high again -- ID theft incidents are spreading to many different account types, a Javelin study finds ... (See ID theft)

Infographic: Millennials, once credit-shy, have gotten over it -- Research from the Aite Group shows the under-36 crowd is eager for rewards ... (See Millennials get over credit shyness)

Most U.S. cardholders carry at least one balance -- Most U.S. consumers have both general purpose and private label credit cards, and a majority carry a balance on at least one of their cards, the Consumer Financial Protection Bureau finds. ... (See Most cardholder carry at least one balance)

Credit card comeback from recession nearly complete -- New card accounts have risen to the level just below 2007, says American Bankers Association data ... (See Credit card comeback)

Millennials are less financially stressed now -- Millennials' stress about savings, student loans, credit card debt and other financial issues has eased in the past three years, a Bank of America survey finds. ... (See Millennials and financial stress)

Infographic: Plastic is America's favorite way to pay -- Debit plus credit swamp cash. As for checks, what are they again? ... (See Plastic rules payments)

Carrying debt while approaching retirement on the rise -- The number of people about to retire, but still carrying debt, is increasing, new research finds ... (See Preretirement debt)

Financial setbacks common, and we expect to pay for them with credit -- Poll shows that people are more likely to reach for credit cards than savings if emergency hits ... (See Financial setbacks poll)

Infographic: Gen X most anxious about retirement -- Americans age 37-51 have the least confidence they will have enough money to last their lifetimes ... (See Gen)

Fed payments data: We're using credit cards for smaller purchases -- We pull out the credit card more often, and the average dollar amount per credit card transaction is shrinking ... (See Smaller purchases)

Infographic: Late payment reminder preferences -- If a credit card payment is late, most Americans would prefer a nudge by email or text alert, a FICO study finds. Currently, most late payment notices are sent via email or U.S. mail. ... (See Late payment alert preferences)

Infographic: Store card applications surge around the holidays -- The average number of cards jumps almost 50 percent in November and December, a TransUnion study finds. ... (See Retail card applications surge)

Millennials opening credit cards for holiday spending -- The percentage of older millennials, age 25-34, saying they?ll open a new credit card to help with holiday spending is 22 percent, Experian finds. That compares to 11 percent for Americans overall. ... (See Millennials opening credit cards)

Infographic: Mobile payment use bounces up, down -- The use of mobile payments by consumers who have a compatible smartphone and a credit card has yo-yoed between 25 and 30 percent over the last year and a half, according to Auriemma Consulting Group. ... (See Mobile pay adoption)

For holiday spending, credit cards are top payment method -- Discover surveyed more than 2,000 U.S. adults about payment methods they?ll use most this holiday season. . ... (See Holiday spending and credit cards)

Infographic: Hiccups at register slow mobile pay adoption -- Mobile payment usage is actually down compared to this time in 2016, new research shows ... (See Mobile pay adoption slows)

Infographic: How Gen Z wants to shop and pay -- Generation Z would like "just walk out" purchasing via an app and prefers to pay a store associate at a register, a 2017 survey by Adyen finds. ... (See Infographic: Gen Z and shopping)

Accomplished savers pay debts before boosting retirement -- Tackling mortgage and credit card debt come first, says a PNC survey ... (See Retirement and debt survey)

Millennials most likely to earn, lose and donate rewards -- Millennials are most likely to earn, lose or donate their credit rewards, a TD Bank survey finds. Boomers are much less likely to let rewards expire or give away their points. ... (See Millennials and card rewards)

Online and mobile banking grows, branch banking withers -- Online and mobile banking is growing, and branch banking is withering, American Bankers Association research finds. ... (See Online, mobile and branch banking by generations)

Infographic: Cards, not student loans, is most-common debt for millennials -- When you think of millennials and debt, student loans come to mind. But a new survey says card debt is actually more common. ... (See Card debt and millennials)

Consumers grow more fearful they will miss a payment -- Consumers are more fearful they will miss a payment. For the third month in a row, New York Fed survey finds increased anxiety. ... (See Infographic: Fear of missing payment grows)

Infographic: Holiday shopping checkout by device -- About 30 percent of millennial holiday shoppers expect to pay by smartphone, a PwC survey finds. Millennial dads are leading the way, with 49 percent saying they will check out via their digital device. ... (See Holiday checkout by device)

Credit, debit cards slowly losing ground to digital payments -- Young consumers adopt the technology, but retain a preference for cash ... (See Millennials, digital payments and cash)

Mobile payments at register climb, but slowly -- Just 1 in 5 Americans made such a payment in past six months, and the projections call for slow growth ... (See Mobile payment projections)

Paper credit card bills? OK. Mail back payments? Nah -- Study shows we still like to receive, but not return, bills by mail ... (See Paper credit card bills)

ID thieves covet SSNs over credit card data -- Social Security number breaches are outnumbering credit card data breaches 4 to 1 ... (See ID thieves go for the SSNs )

Poll shows people use their credit cards for everyday needs -- Using cards for to earn rewards and as an emergency cushion are also common ... (See Card use poll)

Wallets get thinner as U.S. consumers avoid cash -- With mobile apps gaining traction as an accepted way to pay bills and other people, cash is taking up residence in fewer and fewer wallets. ... (See Cashless survey)

Infographic: Millennials' falling financial chops -- Money smarts fall among young adults, survey shows ... (See Money smarts )

Card debt a persistent obstacle to retirement savings -- After paying off the monthly bills, credit card debt is the biggest reason Americans don't save for retirement ... (See Retirement obstacle)

Chip cards bring new fraud trends -- The advent of EMV chips has curtailed fraud from lost and stolen cards, but online fraud continues to rise ... (See Fraud)

Millennials most likely to monitor credit scores, plan to improve them -- The younger generation is more active in keeping tabs on this important financial barometer ... (See Score)

Merchants say mobile wallets coming but won't cut fraud -- Most retailers and e-tailers believe mobile wallets will be widely adopted in the next five years, but only about a third think mobile payments will cut fraud ... (See Mobile wallet)

Infographic: We may pay with finger, face, eye or voice in 2027 -- A survey found that 80 percent of respondents support payment technologies such as fingerprint sensing, facial recognition and retinal scanning ... (See Payments)

Breaking the budget to go on vacation -- Millennials most likely to take on debt for a summer experience ... (See Vacation)

Infographic: How many households have at least one card? -- Your annual income and education level may indicate the chances of whether or not your household has a credit card ... (See Cards)

Infographic: In divorce, women's credit suffers more -- More than half of recently divorced women said their credit score tanked during marriage, compared to just 42 percent for men ... (See Divorce)

Gen Z getting a head start using credit cards -- Almost a fifth of teens 13-17 are authorized users on an adult's card, a TransUnion study finds ... (See Gen Z)

Infographic: Online shopping is in and stores are out -- Online and mobile shopping continue to grow. Nearly 80 percent of those surveyed said free delivery will sway them to purchase an item online instead of in a store. ... (See Shopping)

Infographic: Who uses digital wallets, and for what -- For now, they're the province of young urbanites with high incomes ... (See Digital wallets)

Infographic: How small-business owners use business credit cards -- About half of U.S. small-business owners have a business credit card, and the leading expense on those cards is office supplies. ... (See Small businesses)

Infographic: Higher fraud numbers can mislead -- Card-not-present fraud increasing in dollar amounts but not necessarily in quantity of fraud instances ... (See Fraud)

Infographic: Employees increasingly off the hook for travel card expenses -- Employers today rarely put responsibility on employees for travel card expenses ... (See Travel cards)

Infographic: Card market continues climb but subprime still in hole -- Americans now have more cards open than at the end of 2008 ... (See Card market)

Young consumers most cautious about online payments -- A survey shows that showing that young consumers are the most cautious when paying for their purchases ... (See Cautious)

Digital wallets: Merchants to pave the way for consumer acceptance -- Despite security concerns, more Americans are willing to use digital wallets, if merchants oblige ... (See Digital wallets)

Infographic: Debit, credit cards still killing off checks -- The Fed?s 2015 shows checks account for only 12 percent of U.S. noncash transactions compared to 16 percent in 2012 ... (See Cash and checks)

Infographic: The growing ways we e-pay -- More and more Americans are discovering how handy e-payments can be ... (See E-payments grow)

Infographic: Identity fraud victims at record high -- A report has found that the number of U.S. identity fraud victims increased 17.6 percent, from 13.1 million Americans in 2015 to 15.4 million in 2016 ... (See ID theft report)

Percentage of credit cards with balances rises -- 'Revolvers' increase to a 4-year high ... (See Revolvers)

Infographic: Plastic finally overtakes cash -- Money spent on debit and credit cards around the world totaled more than the money paid in cash ... (See Cards overtake cash)

Card resolutions abound for 2017 -- Paying credit card debt weighs on many Americans' minds ... (See Resolutions)

Online fraud surges after EMV chip cards hit the US -- Crooks switch to where cards are still vulnerable ... (See Online fraud)

Millennials strongly prefer cards -- Except for when they?re directly paying another person, millennials are overwhelmingly choosing a debit or credit card ... (See Millennials)

Card delinquency hits 15-year low -- It's another sign of U.S. consumers' improving finances ... (See Delinquency)

Smartphones shift holiday gift-buying to the bedroom, bathroom -- Millennials most likely to holiday shop while prone or on the throne, survey finds ... (See Smartphone shopping)

Millennials boosting retail 'un-gift' card sales -- Millennials are driving significant growth in retailer-specific gift cards, but they're ignoring the gifting part and using the cards themselves ... (See Un-gift cards)

New card accounts rise to near pre-recession levels -- Number of new accounts at 85 million, up 11 percent in the past year ... (See Accounts rise)

Small-business owners are more credit savvy than consumers -- Small-business owners beat consumers in managing credit ... (See Business )

Infographic: 'Us' cards versus 'me' cards -- In a new survey, 47 percent of Americans reported sharing all of their credit cards, while 37 percent indicated they only have separate cards ... (See Sharing cards)

Infographic: What's most financially important when -- A new survey shows that for 3 in 10 millennials, putting money into savings is their top financial concern ... (See Millennial savings)

Credit card debt down across the board -- Regardless of age, education or income, we dropped debt ... (See Debt down)

Infographic: Credit card use among the college set -- Two-thirds of college students have a credit card, and most are using their cards regularly, according to data from Equifax ... (See College cards)

Infographic: Most Americans OK with going cashless -- Millennials are cool with leaving the house sans bills or coins, a Gallup Poll says ... (See Cashless)

Security concerns keep consumers away from mobile payments -- Older consumers site security concerns, privacy and lack of necessity as reason they don't use mobile payments ... (See Mobile payment concerns)

Satisfaction rises for most cardholders -- Discover comes out on top in J.D. Power's annual satisfaction survey ... (See Satisfaction)

We'll reach chip card saturation in 2020 -- Mercator Advisory Group forecasts that EMV chip card penetration will hit 95 percent by 2017, and 100 percent three years later ... (See Chip card saturation)

Credit card ownership lags for those with low scores -- Credit card ownership is rebounding, but remains far behind levels seen before the recession, and consumers with bad credit are the ones doing without plastic ... (See Ownership)

New card accounts continue to rise sharply -- Subprime cards are up 160 percent in the past five years ... (See New card accounts)

Infographic: The face of senior card debt -- Medical bills take up most of the debt of the seinor citizen community, while credit card debt is a close second ... (See Senior debt)

Positive card habits up, negative ones down -- Americans pay their credit card bills in full more often, and avoid costly behavior, a six-year survey series finds ... (See Card behavior)

Infographic: Credit card love from older millennials -- Millennials do, too, like credit cards, research shows. In fact, older millennials covet them more than any other age group ... (See Millennials)

Infographic: Card delinquencies hold near record lows -- At 2.47 percent, late payers are half the number they were during the recession ... (See Delinquency)

Generations differ on spending extra money -- Millennials go for entertainment with discretionary dollars, Generation X pays off debt and boomers sock it into savings, new research says ... (See Spending extra dollars )

Many prefer debit for everyday buys, credit for the big ones -- For many, debit cards lead credit cards as a primary payment method, a TD Bank survey finds. But for big-ticket items, nearly all groups prefer credit cards ... (See Debit versus credit)

Infographic: Cards gain ground as payment method -- Fewer Americans are using paper-based payments in 2016, while almost all plastic and electronic forms are on the rise ... (See Payments)

Infographic: The financially happy now outnumber the unhappy -- For the first time since before the Great Recession, the majority of Americans feel cheerful about their finances ... (See Financially happy)

Infographic: Mobile payments quickly rising -- Smartphone payments are gaining traction among consumers -- and quickly ... (See Mobile payments rising)

Infographic: 2016 sees card debt, delinquency uptick -- Though the number of people who fail to pay debt is not as high as it was in the Great Recession, it has started to increase in 2016 ... (See Delinquency rates)

Infographic: Female college students edge males in credit smarts -- Female students do a bit better in handling credit, says a Sallie Mae study ... (See College student credit smarts)

Infographic: How generations view financially 'making it' -- Views across generations of what "making it" financially means to them ... (See Generation finances)

Infographic: Spigot held tight on subprime credit -- Credit limits for subprime consumers are down from a year ago ... (See Subprime credit)

Tax refunds: Urges to save it, spend it clash -- Study shows that most who spend it on needed items or paying down debt feel better rather than those who saved it ... (See Tax refund)

Women edging men in the battle of credit smarts -- A new study found that despite the fact that women have more credit cards open then men, they rack up less debt ... (See Gender and credit)

Married, single people differ in views on relationships, money -- Everyone cares about money, but married people tend to see more financial red flags, a new survey finds ... (See Money and relationships)

Infographic: Millennial money perspectives -- Millennials want to avoid debt and they attribute debt with credit cards according to a new study ... (See Graphic: millennials)

Infographic: Average card balances by age 2003-2015 -- Seniors have more credit card debt, other age groups less ... (See Card debt by age)

Infographic: The life cycle of a credit card -- A Boston Federal Reserve study shows how credit card debts and credit limits rise and then fall over the course of the average consumer's lifetime ... (See Life cycle of a credit card)

Infographic: The demise of over-limit fees -- Credit card customers unanimously opt out of once-common fee ... (See Over-limit fee)

Infographic: Life is financially fragile for millennials -- Young adults tend to carry credit card balances, fret about repaying student loans and don't have an emergency fund ... (See Financial literacy and millennials)

Infographic: Bad financial habits Americans most want to break -- Saving more and paying down credit card debt are among the more popular New Year's resolutions of 2016 ... (See 2016 money resolutions)

Financial goals report card: Maybe a C+ -- A Capital One survey finds mixed results among those who set money goals for 2015. Some did well, others failed completely ... (See Financial goals report card)

Number of new cards soars, but credit limits tight -- An American Bankers Association survey finds subprime borrowers regaining access to credit, but not to a lot of it ... (See New accounts soar)

4 in 10 Americans see credit cards as their emergency fund -- About 49 percent say they'd use credit cards to pay at least part of a surprise $2,000 emergency expense, according to a Pew survey ... (See Emergency fund)

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Updated: 05-24-2019