Eva Norlyk Smith, Ph.D.

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

  • 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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  • Don’t Let Bad Credit Hurt Your Job Search

    Looking for work? Depending on your chosen field, negative marks on your credit report could cost you a job. However, there are steps you can take to overcome the stigma of bad credit and get the job you want.

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