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Ange Postecoglou knows the next month will be “significant” for Tottenham, but is confident they will improve and not be mid-table at Christmas. Spurs travel to Premier League champions Manchester City on Saturday reeling from a disappointing home loss to Ipswich before the international break. The club’s problems have multiplied during the past fortnight with midfielder Rodrigo Bentancur handed a seven-match domestic ban on Monday and Cristian Romero (toe) joining a lengthy list of absentees. However, Postecoglou remains bullish about Tottenham’s progress and acutely aware of the scrutiny set to come his way if they stay 10th. “Christmas is a joyous occasion, irrespective, and I think it should be celebrated. If we’re still 10th then people won’t be happy, I won’t be happy, but we might not be 10th,” Postecoglou pointed out before nine games in 30 days. “Certainly for us I think it’s a significant period because you look at those games and we’ve got the league where we’ve got to improve our position and a couple of important European fixtures that can set us up for the back half of the year, also a Carabao Cup quarter-final. “At the end of that period we could be in a decent position for a strong second half of the year, so for us it is an important period. “You know there’s no more international breaks, so the full focus is here. You can build some momentum through that, or if things don’t go well you could get yourself into a bit of a grind. Ready for 👊 Go behind the scenes of training ahead of our trip to Manchester 🎥⤵️ — Tottenham Hotspur (@SpursOfficial) “Of course if we had beaten Ipswich, we’d be third and I reckon this press conference would be much different wouldn’t it? “I’m not going to let my life be dictated by one result, I’m sorry. I take a wider perspective on these things because I know how fickle it can be, but we need to address our position for sure. “And if we’re 10th at Christmas, yeah it won’t be great. There’d be a lot of scrutiny and probably a lot of scrutiny around me, which is fair enough, but that’s not where I plan for us to be.” Tottenham’s immediate efforts to move up the table will require them ending City’s two-year unbeaten home run in the Premier League. The champions have lost their last four matches in all competitions, but have some key personnel back for Saturday’s clash and will aim to toast Pep Guardiola’s new contract with a victory. Postecoglou was pleased to see Guardiola commit to a further two seasons in England, adding: “I love the fact that there’s a massive target out there that can seem insurmountable. “I look at it the other way. I go, ‘imagine if you knock him off, that’d be something’. “I’m at the stage of my life where I’d rather have the chance of knocking him off than missing that opportunity. “When greatness is around, you want to be around it. And hopefully it challenges you to be like that as well.” Saturday’s fixture will be Postecoglou’s 50th league game in charge of Spurs and he knows what is required to bring up three figures. “No European football, significant player turnover, change of playing style. Where did I think we’d be after 50 games? God knows. “It could have been a whole lot worse, but when you look at it in the current prism of we’re 10th, you’re going ‘it doesn’t look good’ and I understand that and we have to improve that. “But over the 50 games, I think there’s enough there that shows we are progressing as a team and we are developing into the team we want. “The key is the next 50 games, if they can be in totality better than the first 50? First, that means I’m here but second, I think we’ll be in a good space.”None
By Funto Omojola, NerdWallet Mobile wallets that allow you to pay using your phone have been around for well more than a decade, and over those years they’ve grown in popularity, becoming a key part of consumers’ credit card usage. According to a “state of credit card report” for 2025 from credit bureau Experian, 53% of Americans in a survey say they use digital wallets more frequently than traditional payment methods. To further incentivize mobile wallet usage, some credit card issuers offer bonus rewards when you elect to pay that way. But those incentives can go beyond just higher reward rates. In fact, mobile wallets in some ways are becoming an essential part of activating and holding a credit card. For example, they can offer immediate access to your credit line, and they can be easier and safer than paying with a physical card. From a rewards perspective, it can make a lot of sense to reach for your phone now instead of your physical card. The Apple Card offers its highest reward rates when you use it through the Apple Pay mobile wallet. Same goes for the PayPal Cashback Mastercard® when you use it to make purchases via the PayPal digital wallet. The Kroger grocery store giant has a co-branded credit card that earns the most when you pay using an eligible digital wallet, and some major credit cards with quarterly rotating bonus categories have a history of incentivizing digital wallet use. But again, these days it’s not just about the rewards. Mobile wallets like Apple Pay, Samsung Pay and PayPal can offer immediate access to your credit line while you wait for your physical card to arrive after approval. Indeed, most major issuers including Bank of America®, Capital One and Chase now offer instant virtual credit card numbers for eligible cards that can be used upon approval by adding them to a digital wallet. Additionally, many co-branded credit cards — those offered in partnership with another brand — commonly offer instant card access and can be used immediately on in-brand purchases. Credit cards typically take seven to 10 days to arrive after approval, so instant access to your credit line can be particularly useful if you need to make an urgent or unexpected purchase. Plus, they allow you to start spending toward a card’s sign-up bonus right away. As issuers push toward mobile payments, a growing number of merchants and businesses are similarly adopting the payment method. The percentage of U.S. businesses that used digital wallets increased to 62% in 2023, compared to 47% the previous year, according to a 2023 survey commissioned by the Federal Reserve Financial Services. Wider acceptance is potentially good news for the average American, who according to Experian has about four credit cards. While that won’t necessarily weigh down your wallet, it can be hard to manage multiple cards and rewards categories at once. Mobile wallets offer a more efficient way to store and organize all of your workhorse cards, while not having to carry around ones that you don’t use often. They can also help you more easily monitor your spending and rewards, and some even track your orders’ status and arrival time. Plus, paying with a digital wallet offers added security. That’s because it uses technology called tokenization when you pay, which masks your real credit card number and instead sends an encrypted “token” that’s unique to each payment. This is unlike swiping or dipping a physical card, during which your credit card number is more directly accessible. And again, because a mobile wallet doesn’t require you to have your physical cards present, there’s less chance of one falling out of your pocket or purse. More From NerdWallet Boost Your Credit Card Rewards This Holiday With a Few Extra Clicks Should You Donate Your Points and Miles to Charity? Need Credit Card Debt Relief? Debt Management Could Help Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article Activating Your Credit Card? Don’t Skip the Mobile Wallet Step originally appeared on NerdWallet . 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