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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

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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Should I get a car loan just to boost my credit?

Credit scores are a means, not an end. If your FICO score is already excellent, don’t take out unnecessary loans in an attempt to boost it

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How do I improve my fiance's bad credit?

Adding a loved one to a credit card account may seem like a great way to help him or her rebuild credit, but be sure you look before you leap

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I hate my credit card. Can I get rid of it?

You’ve heard the rule: Never cancel a credit card with a good payment history. But what if you can’t stand that card? Our expert explains how you can dump it while minimizing credit damage

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Is my airline rewards card worthless?

Frustrated that airlines seem to be in a race to devalue their frequent flier miles? Consider a rewards card with more flexibility

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