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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

Will student loans hurt my credit?

What are the effects of student loan debt on your credit rating, and what can it do to your chances of getting a loan on a house or condo?

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4 questions to ask before opening a store card

Getting 10 percent off your purchase can be tantalizing, but before opening a store credit card to get that discount, consider the indirect costs

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Keep points when canceling travel rewards card

If you’re not careful, you could lose rewards earnings when closing a travel rewards card. But with a little advance planning, there are many ways to avoid this

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The best (and worst) reason to get credit cards

It’s flattering to be courted by credit card issuers. But don’t apply for the first offer that hits your mailbox. There are plenty of good reasons to apply for a card … there are plenty of bad reasons, too

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Can I get a free honeymoon with hotel rewards?

Her goal: three free nights in a hotel in Hawaii for her honeymoon. It’s possible with some planning and the right hotel rewards card, our expert says

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