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Eva Norlyk Smith, Ph.D.


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

How to Narrow Down Your Airline Card Options

A reader is thinking about applying for an airline rewards credit card, but she's overwhelmed by all her options. Credit expert Eva Norlyk Smith breaks down the airline card comparison process into three easy steps and offers tips for avoiding common traps.

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Playing the App-O-Rama Game: Worth the Risk?

The App-O-Ramas (AOR) of yore may be staging a comeback, albeit in a new and altered form. A new generation of AOR-aficionados are targeting rewards card bonus sign-up offers, rather than 0 APR balance transfers. But are these profit-making strategies worth the risk?

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Live Abroad? Don't Let Your Credit Score Slide

Moving abroad for a few years? There are steps you'll need to take now, and while you're away, to make sure your credit stays open and active. Otherwise, you could see your hard-earned credit score slip away for good, forcing you to start over when you move back home.

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4 Credit Score Tips for a Better Mortgage

With mortgage rates at historic lows, many people are eyeing a refinance or taking out a new mortgage. However, before you rush out to apply for a low rate mortgage, it can pay off big time to spend some time working on your credit score and making sure it is at its best.

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FICO 101: Busting The ‘Too Much Credit’ Myth

A reader finally reached his credit score goal and is ready to apply for new cards with better offers. But he's already juggling five and doesn't want to close them. Can holding too much plastic hurt your credit score? Not if you're talking about your FICO score, says Eva Norlyk Smith

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