The Ultimate Guide to Credit Cards
Thursday, February 22, 2024
Andrea Woroch
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About The Author

Andrea Woroch is a nationally recognized consumer finance expert, writer, and TV personality who is passionate about helping families find simple ways to spend less and save more without making major sacrifices. Her practical budgeting and savings advice has helped millions of Americans initiate real financial change so they can stress less and spend more time doing the things they love.

As a go-to media expert, Andrea has appeared on popular TV shows such as Today, Good Morning America, FOX & Friends, Dr. OZ, CNN, and MSNBC. Her work has been featured in the The New York Times, USA Today, Forbes, Reader’s Digest, Cosmopolitan, Money, Time, Woman’s Day, Yahoo, among other outlets.

Andrea hosts a monthly money segment on KTLA Morning News in Los Angeles.

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Latest Posts

32 posts written/edited to date
11 Credit Card Habits You Need to Break Now

11 Credit Card Habits to Break Now

Dramatic price hikes across consumer goods and services since inflation began... read more »

Andrea Woroch 2/19/2024
11 Surprising Teen Credit Card Statistics (2024)

11 Surprising Teen Credit Statistics

Parents may be skeptical about giving their teens a credit card for fear of the... read more »

Andrea Woroch 11/2/2023
7 Ways to Save Money Shopping Online With a Credit Card

7 Ways a Credit Card Can Save You Money Online

More people than ever shop online for everyday purchases. After all, it’s a... read more »

Andrea Woroch 7/31/2023
7 Ways a Credit Card Can Help You Save on a Cruise

7 Ways a Credit Card Can Help You Save on a Cruise

Cruise bookings are experiencing increased demand after a tough three-year struggle... read more »

Andrea Woroch 5/10/2023
How to Pay Bills With a Credit Card (Feb. 2024)

How to Pay Bills With a Credit Card

Credit cards offer many perks to consumers these days, including robust reward... read more »

Andrea Woroch 3/8/2023
Should I Use My Savings to Pay Off Credit Card Debt?

Should I Use My Savings to Pay Off Card Debt?

Credit card debt is rising in America. In fact, a report from LendingTree found... read more »

Andrea Woroch 12/22/2022
How to Use a Credit Card

A Beginner’s Guide to Using a Credit Card

Credit cards are an essential financial tool that many Americans rely on every day... read more »

Andrea Woroch 9/1/2022
11 Ways to Lower Your Monthly Bill Payments (Feb. 2024)

11 Ways to Lower Your Monthly Bills

As inflation soars and budgets tighten, many Americans are feeling the financial... read more »

Andrea Woroch 7/5/2022
12 Ways Credit Cards Help Save on Vacations (Feb. 2024)

12 Ways Credit Cards Help You Save on Vacations

Summer and vacations go hand in hand, but record-high inflation is causing travel... read more »

Andrea Woroch 5/9/2022
How to Pay Off Credit Card Debt (Feb. 2024)

How to Pay Off Credit Card Debt

Credit cards offer many perks, from convenient payment options to robust reward... read more »

Andrea Woroch 2/21/2022
6 Ways to Save on Credit Card Interest Fees (Feb. 2024)

6 Ways to Save on Credit Card Interest Fees

A credit card can be a helpful financial tool when used wisely. These plastic forms... read more »

Andrea Woroch 11/18/2021
11 Credit Card Perks For Holiday Shoppers (Feb. 2024)

11 Credit Card Perks For Holiday Shoppers

The holidays are a joyous time, but also an expensive one — and it appears... read more »

Andrea Woroch 10/25/2021
How to Read a Credit Card Agreement

How to Read a Credit Card Agreement

Credit cards can be hard to resist, thanks to enticing sign-up offers from free... read more »

Andrea Woroch 9/1/2021
8 Ways Your Credit Score Affects Important Life Milestones

8 Ways Your Credit Score Affects Life Milestones

Your credit score is more than a number — it’s a magic key needed to unlock the... read more »

Andrea Woroch 8/2/2021
10 Pros and Cons of Store Credit Cards

10 Pros and Cons of Store Credit Cards

Consumers love credit cards. In fact, this popular payment method accounted for 38%... read more »

Andrea Woroch 6/15/2021
What is a Credit Card Grace Period?

What is a Credit Card Grace Period?

Credit cards come with many pros and cons that can positively or negatively shape... read more »

Andrea Woroch 5/3/2021
Are Preapproved Credit Card Offers Guaranteed? 

Are Preapproved Credit Card Offers Guaranteed? 

Credit card use in America is growing. Americans currently have 511.4 million... read more »

Andrea Woroch 3/15/2021
Are Credit Card Signup Bonuses Taxable? (Feb. 2024)

Are Credit Card Signup Bonuses Taxable?

Credit card reward programs have come a long way over the past decade, offering... read more »

Andrea Woroch 2/10/2021
What is Deferred Interest & How Does it Work? (Feb. 2024)

What is Deferred Interest & How Does it Work?

Nothing in this world is free, especially when it comes to borrowing money... read more »

Andrea Woroch 1/11/2021
21 Eye-Opening Student Debt Statistics (2024)

21 Eye-Opening Student Debt Statistics

Going to college is more of an expectation these days as companies put more value... read more »

Andrea Woroch 11/30/2020