When Kate and Jervais founded Health and Her in 2019, they set out to transform Menopause

care.

Through Barclay's Eagle Labs, they gained specialist industry and business expertise, with

support and training for the whole team.

But the story doesn't end here.

Because Health and Her are only just getting started,

selling at major UK retailers,

and making a real difference to thousands of lives.

Grow your business. Bank on Barclays.

Search Barclays Business Banking.

Here's your money briefing for Friday October 11th. I'm J. R. Whelan for the Wall Street Journal.

The Federal Reserve is expected to continue lowering interest rates in the coming months,

but that isn't likely to translate to relief for people carrying a credit card balance.

Earlier this year, Consumer Financial Protection Bureau finalized an $8 late fee cap on credit card fees.

In response to this late fee cap, credit card issuers and banks have said that they've

imposed quote unquote mitigating actions to get ahead of the revenue that would be lost.

We'll talk to Wall Street Journal reporter Angel Al Young,

after the break. The cost to carry a credit card balance is the highest it's been in a generation.

Wall Street Journal reporter Angel Al Young joins me.

Angel, what's the average rate for credit card customers who are carrying a balance?

So according to the Federal Reserve, the average credit card rate, as of May of this year, was

around 21.5%, which is around the highest level ever recorded in the Fed data

...