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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

What is the best way to pay off student loans?

Increasing your monthly payments on a student loan is a powerful way to reduce the time it will take to pay off the loan, and you’ll save on interest …

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How to cancel subscription charges on your card

Small recurring bills showing up on your card statement — known as “gray charges” — can end up costing you hundreds of dollars a year …

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Co-signed a loan gone bad? Here's what you need to know

When co-signing a loan goes bad, the last thing you want to do is ignore the matter …

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Help! My mom uses credit cards for gambling

Credit cards and gambling can be a dangerous mix, so when Mom uses cash advances for gambling, should you be concerned?

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Should I add my son as an authorized user to my card?

When adding a teen as an authorized user to your credit card, keep in mind the adage: Good fences make good neighbors …

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