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Eva Norlyk Smith Ph.D.


Eva Norlyk Smith Ph.D.

Eva Norlyk Smith has covered credit cards and credit-related topics for since 2004. She specializes in writing easy-to-understand articles that offer both in-depth commentary and practical advice for consumers seeking to navigate the ins and outs of credit cards.

In doing so, she draws on her experience as both a small business owner and consumer juggling an extensive collection of credit cards.

Eva holds a Ph.D. in Psychology and in her spare time is fond of pondering the psychology of credit card usage, particularly when paying her credit card bills each month.


Eva Norlyk Smith Ph.D.'s articles at

6 ways to protect the elderly from money scams

Seniors lose an estimated $3 billion a year to financial abuse, including scams. Here’s how to protect your loved ones …

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How to recognize and correct identity theft

Don’t let time pass when you discover possible identity theft …

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Should I buy a house with my best friend?

Buying a house with a friend could complicate your finances, credit rating and relationship …

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Shared accounts for couples: good or bad idea?

If you don’t have any credit accounts in your name, you may not develop a credit history of your own …

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How to protect your credit in divorce

Jointly held credit accounts can trip up couples during divorce, so being proactive is critical to protect your financial health …

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