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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

Is my dad's girlfriend a spender?

This reader worries his dad may be getting too serious, too quickly with a spend-happy girlfriend. Is his advice for his father to look at her credit reports tacky or wise?

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Can my landlord report me to the credit bureaus?

Breaking a lease can cost you more than just a lost rental deposit — it can hurt your chances when applying for other places to rent …

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Buying a house doesn't have to come with regrets

For new homeowners, the list of expenses can be long. In most cases, however, you can address cash flow problems via careful planning and budgeting …

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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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