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b'Zelle has been a conduit for pretext scams costing consumers billions. 13 months ago, Zelle promised that by January of this year, they\\u2019d have consumer protections in place. Never happened - until now. Also today,\\xa0as the value of travel points continues downward, Clark helps you determine if credit cards tied into airline & hotel providers are worth the high annual fees - and the cards that may serve you better.\\n\\nZelle Reforms!: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nTravel Credit Cards: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show:\\n\\nClark\\u2019s Christmas Kids\\n\\nPayments app Zelle begins refunds for imposter scams after Washington pressure\\n\\n4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)\\n\\nPopular Budgeting App Mint Is Shutting Down - Clark.com\\n\\nBest Budgeting Apps - Clark.com\\n\\nTurns out, the Equifax data breach was even worse than we thought\\n\\nHow To Freeze Your Credit With Experian, Equifax and TransUnion\\n\\nHome Equity Loans & Lines of Credit: 7 Common Questions Answered\\n\\nOne Mile at a Time: Southwest Points Will Be Worth Less In 2024\\n\\nA new Southwest card bonus can get you halfway to Companion Pass status, which lets you fly a friend for free\\n\\nSouthwest Credit Cards Offer Limited-Time Welcome Offer Boost -Clark.com\\n\\nBest Cash Back Credit Cards With No Annual Fee\\n\\nBest Travel Credit Cards: Top Rewards Picks for 2023\\n\\n9 Ways To Save Money on Your Road Trip\\n\\n\\nClark.com resources\\n\\nEpisode transcripts\\n\\nCommunity.Clark.com\\n\\nClark.com daily money newsletter\\n\\n\\nConsumer Action Center Free Helpline: 636-492-5275\\n\\n\\nLearn more about your ad choices: megaphone.fm/adchoices\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'