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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

Should I get a credit limit increase?

Having a high credit limit can be a positive for credit scores. But if you already have a high limit, requesting a further increase could backfire …

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Will my credit card be closed because of inactivity?

Having a credit card closed due to inactivity may indirectly affect your credit score. Here’s who is at risk and how to avoid it …

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Will applying for a car loan affect our credit?

When considering taking on more debt after getting a mortgage, it’s important to look at your debt-to-income ratio…

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How many credit cards should I have?

Having multiple credit cards can help with building a great credit score, but it can also ruin your score and land you with high-interest credit card debt …

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Creating wedding bliss with credit cards

A bride and her fiance are debating the best credit card strategy when paying for wedding bills.

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