Americans love using their credit cards, the most secure and hassle-free way to pay.

But DC politicians want to change that with the Durban Marshall Credit Card Bill.

This bill lets corporate megastores pick how your credit card is processed,

allowing them to use untested payment networks that jeopardize your data security and rewards.

Corporate megastores will make more money and you pay the price.

Tell Congress to guard your card because Americans lose when politicians choose. Learn more at

guard your card.com.

Markets stabilized after yesterday's sell-off, even as the interest continues to swirl over how China's DeepSeek managed to catch up in the AI race.

If you go back to the earlier generations of Chat, GPT, think of it like a librarian. It's read all the books.

So when you ask it a question, it goes, oh, I read that in a book. Here's the answer.

Deep Seek found a shortcut. It's more like a detective. It's read a little bit.

But when you ask it a question, it'll say, okay, here, let me go find the answer right now.

Plus, the Senate approves Scott Bessent as Treasury Secretary, and the Trump administration ramps up its deportation efforts.

It's Tuesday, January 28th.

I'm Luke Vargas for the Wall Street Journal, and here is the AM edition of What's News,

the top headlines and business stories moving your world today.

Is fresh competition from Chinese AI startup deep seek a curse or a blessing for the world's largest tech companies?

Yesterday delivered a bloodbath for chipmaker NVIDIA, the global leader in AI chips, as its stock fell 17%.

Other AI stocks also saw big losses, as did nuclear power companies banking on electrifying

the AI revolution, and the NASDAQ as a whole skidded more than 3%.

But a new day could be delivering a change in perspective.

Nvidia is ticking higher in off-hours trading.

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