Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

Our 80,000 qualified print subscribers—and 130,000 12-month engaged online audience—trust us to dive in and provide original journalism you won’t find elsewhere covering key emerging areas such as laser-driven inertial confinement fusion, lasers in space, integrated photonics, chipscale lasers, LiDAR, metasurfaces, high-energy laser weaponry, photonic crystals, and quantum computing/sensors/communications. We cover the innovations driving these markets.

Laser Focus World is part of Endeavor Business Media, a division of EndeavorB2B.

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Laser Focus World produces a video newscast that gives a peek into what’s happening in the world of photonics.

Following the Photons: A Photonics Podcast

Following the Photons: A Photonics Podcast dives deep into the fascinating world of photonics. Our weekly episodes feature interviews and discussions with industry and research experts, providing valuable perspectives on the issues, technologies, and trends shaping the photonics community.

Editorial Advisory Board

  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
  • Natalie Fardian-Melamed, Ph.D., Columbia University
  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
  • Professor Stephen Sweeney, University of Glasgow
  • Mohan Wang, Ph.D., University of Oxford
  • Professor Xuchen Wang, Harbin Engineering University
  • Professor Stefan Witte, Delft University of Technology

Surging Credit Card Delinquency Rates are Affecting Credit Limits

While credit card debt and delinquency rates often go hand in hand, overextended credit card accounts may also lead to decreased credit limits. CardRatings’ credit card experts offer tips for minimizing the impact of these possible cuts.

Approximately 9% of credit card balances fell into delinquency over the last year according to Federal Reserve data. In response, credit card issuers are decreasing consumer credit limits to minimize risks.

Bad economic conditions coupled with consumer behaviors like overspending and late payments are the leading causes of these decreases.

CardRatings.com, a leading credit card review and comparison site, offers tips for how to minimize the impact of a potential credit line cut and discusses the potential impact this could have on consumers’ credit scores, in their article: How surging credit card delinquency rates can affect credit limits

“Not only could a credit line cut affect a consumer’s purchasing power, but it could also hurt their credit score,” says Jennifer Doss, executive editor and credit card analyst at CardRatings. “This is because a lower credit limit could result in a higher credit utilization ratio, which accounts for 30% of a consumer’s credit score. The good news is there are simple ways to help negate this, such as paying down existing balances on other accounts and lowering overall credit card spending.”

Doss is available to discuss credit limit decreases and tips for handling a potential cut.

About CardRatings

CardRatings is owned and operated by QuinStreet, Inc. (Nasdaq: QNST), a leader in providing performance marketplace technologies and services to the FinTech, financial services and home services industries. QuinStreet is a pioneer in delivering online marketplace solutions to match searchers with brands in digital media. The company is committed to providing consumers with the information and tools they need to research, find and select the products and brands that meet their needs. CardRatings is a member of QuinStreet’s expert research and publishing division.

CardRatings innovated online credit card ratings and has been offering independent ratings and reviews of credit card offers since 1998. The website collects and maintains data on more than 800 credit card offers and carefully compiles objective lists of the top credit cards by card type, making it easy for consumers to find the right card to fit their needs.

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