Credit has always been more than just a plastic card or a line of approval—it’s a gatekeeper of opportunity. For decades, women faced blatant denials, from being refused credit cards without a male co-signer to being offered higher interest rates for no reason other than gender.
Officially, the Equal Credit Opportunity Act of 1974 outlawed this discrimination, but the playing field hasn’t completely leveled. Instead, a new breed of loopholes has emerged, tucked away in fine print and hidden behind algorithmic decisions.
