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Eva Norlyk Smith, Ph.D.

 
 

Eva Norlyk Smith, Ph.D.'s articles at CreditCardGuide.com

Fix Your FICO Score, Save on Car Insurance?

Consumers with poor credit don't just pay higher rates on car loans. They also pay much higher premiums on car insurance, say experts. Here's what you can do to lower your rates

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Gifting Frequent Flier Miles Can Be Costly

A reader wants to give her airline miles to her daughter as a Christmas gift. But transferring miles through your airline can be expensive, says Eva Norlyk Smith, and is rarely worth the trouble.

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Got Bad Credit? How to Find a Fair Deal

If you have bad credit, don't just jump on the first offer you see, say experts. Subprime card offers can vary widely and so it pays to do your research before you apply

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Why Use Business Credit Cards For A Startup?

A budding entrepreneur needs a card for her business and isn't sure what type to choose. Is a business card a smart choice for a new entrepreneur? It depends on how she uses it, says Eva Norlyk Smith.

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In Marriage, Sharing Credit Cards Can Be Costly

A reader's credit score is too low to qualify for a rewards card, but her husband's credit is close to perfect. Can she take advantage of his score to access rewards? Sure, says credit expert Eva Norlyk Smith. But she should first think long and hard about the consequences.

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