# EPISODE 213: NEW YEAR’S RESOLUTIONS FOR IN-DEBT CONSUMERS AND THEIR BANKS

Page: https://stenobird.com/podcast/bankadelic-the-colorful-side-of-finance-974512/episode-213-new-year-s-resolutions-for-in-debt-consumers-and-their-banks
Text version: https://stenobird.com/podcast/bankadelic-the-colorful-side-of-finance-974512/episode-213-new-year-s-resolutions-for-in-debt-consumers-and-their-banks.md
Podcast: [Bankadelic: The colorful side of finance](https://stenobird.com/podcast/bankadelic-the-colorful-side-of-finance-974512)
Published: 2025-12-29T00:04:54+00:00
Episode link: https://soundcloud.com/bankadelic/episode-213-new-years-resolutions-for-in-debt-consumers-and-their-banks
Audio file: https://feeds.soundcloud.com/stream/2237918066-bankadelic-episode-213-new-years-resolutions-for-in-debt-consumers-and-their-banks.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/bankadelic-the-colorful-side-of-finance-974512/episodes/episode-213-new-year-s-resolutions-for-in-debt-consumers-and-their-banks
Duration seconds: 1461

## Resource

As credit card APRs continue to soar, consumers remain addicted to the habit of putting everything on plastic, especially around the holidays. With the arrival of 2026, LendingClub Chief Customer Officer Mark Elliot walks us through how consumers can leverage debit cards to recover financial sanity, how banks can better promote financial wellness—and how his organization provides free tools such as DebtIQ to help people get smarter about monitoring and managing personal debt. Disclaimer: Please note that any annual percentage yield (APY) rates discussed in the interview are variable and subject to change at any time, without notice, at the sole discretion of the bank.

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/bankadelic-the-colorful-side-of-finance-974512/episodes/episode-213-new-year-s-resolutions-for-in-debt-consumers-and-their-banks/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/bankadelic-the-colorful-side-of-finance-974512/episode-213-new-year-s-resolutions-for-in-debt-consumers-and-their-banks.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.