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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

Credit history starts anew when you move to U.S.

Foreign residents often find that they have to start from scratch building a credit history and credit score. Here are a few tips to help speed up the process

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Should I get rid of my secured credit card?

Secured credit cards are not a great option as a long-term credit strategy. Here’s what to look for in your next credit card

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How do I stop those credit card offers?

With a little time and patience, it’s easy to stop the flow of credit card offers into your mailbox. Here’s how

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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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