Unfortunately, it can, says Eva Norlyk Smith. If you're the type of cardholder who runs up a big balance each month, then pays it off, don't think you're off the hook. Your issuer may report the big balance to FICO before you repay it

Elite frequent flier miles get you better perks — but they're also pricier and harder to get. Here are three shortcuts to speeding up your earnings so that you can cash in on your newly elite status

Christmas savings clubs help members squirrel away money for the holidays and avoid holiday debt regret, says Eva Norlyk Smith. Just make sure you shop around before signing up for the first Christmas savings club you see