Author name: Jan Llaona

Jan Llaona is the founder and editor of TargetaClara. He's currently studying Business at the University of Girona (Spain) and researches and writes the site's coverage of U.S. consumer credit and personal finance — how APRs and fees actually work, how Federal Reserve decisions filter down to your monthly statement, and how to evaluate credit products on real numbers rather than marketing claims. Every article is checked against primary sources — Federal Reserve data, CFPB guidance, and issuer terms — before publishing. Connect on LinkedIn

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