When Courtlynn Dickey was a freshman at American University, he opened his first credit card. He racked up more debt than he meant to and headed to a bank for help, but said the banker used terms he didn’t know.

“When I talked to my banker, my banker's talking to me about FICO. I'm like, wait, I thought we were talking about payment!” Dickey recalled.

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As soon as he left, he asked ChatGPT to explain the acronym.

“I said, ‘What is FICO, why is it important and why do I need to care?’” he told News4, referring to a type of credit score used by lenders.

The AI tool didn’t just break down financial terms on the fly. Soon, it became his go-to financial assistant with help on budgeting, saving and even planning his work sche

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