plus, we'll ask cspb director rohit chopra, whether or not this will happen and what it means when you your home. plus coco melon is out with a new generation of children's entertainment and we'll talk about that and maybe about disney and tiktok with gary vaynerchuk and kevin mayer. we are back after this. >>> this is "the exchange" on cnbc. what is cirkul? cirkul is the fuel you need to take flight. cirkul is the energy that gets you to the next level. cirkul is what you hope for when life tosses lemons your way. cirkul, available at walmart and drinkcirkul.com. my name is oluseyi and some of my favorite moments throughout my life are watching sports with my dad. now, i work at comcast as part of the team that created our ai highlights technology, which uses ai to detect the major plays in a sports game. giving millions of fans, like my dad and me, new ways of catching up on their favorite sport. >>> all right. the average fakeico score dropp on average in the last week it was only one point from 718 to 717, but it comes as credit card debt now tops $1 trillion and if you pay late yo

consumer financial protection bureau director rohit chopra. >> estimates more than 45 million americans each year. credit card late fees overwhelmingly paid. >> but those who are living paycheck to paycheck are barely getting joe says the rule could save the average late pay or $220 a year. >> but some industry experts criticize the rule saying it doesn't really protect consumers. >> paying late as long-term damage to your credit. and when you go to purchase a house, when you go to purchase car, you're financing. costs are going to go up. consumer bankers association president lindsay johnson fears this rule change could encourage lee payments. we could see consumers becoming more in debt, having long-term impacts having a harder time paying those bills off at the end of every single month, south carolina republican senator tim scott agrees and promises to try and overturn the ruling congress. credit card users could expect to see this change go into effect in a few months reporting in washington. i'm basil, john. >> for your health starting on friday will no longer be able to get those