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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

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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How easy is it to clone a credit card?

Making fake money is one of the oldest tricks in the book, and credit cards are the modern version of that. Here’s how to protect yourself …

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Will a large charge damage my credit score?

While a basic rule of thumb is to never carry credit card balances over 30 percent of the limit, there are exceptions. We explain …

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