: How Upgrade designed its credit card to reward paying down debt rather than just spending.
: Discussion of their rapid growth in areas like home improvement and auto financing, and the launch of products like Boost Money for cash advances. Podcast 320: Renaud Laplanche of Upgrade
: Upgrade has been profitable since 2017 by focusing on product design and loan servicing rather than holding loans on its own balance sheet. : How Upgrade designed its credit card to
: The platform emphasizes fixed-rate products and incentives that encourage long-term financial health over revolving debt. Podcast 320: Renaud Laplanche of Upgrade