The Daily Money 2-12

Happy Wednesday, money readers. It's David, with our top financial, cybersafety and smartphone news of the day.

Let's jump in. 

Heavier burden: Americans may have a love-hate relationship with credit cards, but that’s not keeping them from piling on debt, with the average balance almost $6,200, up from $5,300 in 2010.

Not so sweet: Why is Valentine's Day such a favorite among cybercriminals? Because they can camouflage dirty tricks, like getting you to download malware, by hiding out among legitimate Valentine's Day websites. We explain how to protect yourself. 

Ready for a close-up:  Samsung is going big on 5G, with new cameras called the S20, the S20+ and the S20 Ultra, which the company unveiled Tuesday. 

For more news, keep scrolling down. 

David Brinkerhoff, Deputy Money Editor