The Ultimate Guide to Credit Cards
Thursday, June 8, 2023
Erica Sandberg
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About The Author

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money.

An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. Her book "Expecting Money: The Essential Financial Plan for New and Growing Families" was first released in 2008, and the 2017 edition is out now.

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Latest Posts

42 posts written/edited to date
8 Times Not to Use Your Credit Card

8 Times Not to Use Your Credit Card

You opened a credit card so you could use it, not for it to gather dust. You can... read more »

Erica Sandberg 4/13/2023
What Is Credit Card Refinancing? 6 Ways to Lower Rates (June 2023)

What Is Credit Card Refinancing?

Carrying over credit card obligations from one month to the next can be an... read more »

Erica Sandberg 3/16/2023
6 Ways to Pay Student Loans With a Credit Card (June 2023)

6 Ways to Pay Student Loans With a Credit Card

If you have significant student loan debt, you’re in good company. According to... read more »

Erica Sandberg 2/7/2023
15 Credit Card Tips & Tricks from Experts (June 2023)

15 Credit Card Tips & Tricks

Using a credit card advantageously is within everybody’s capability. You just need... read more »

Erica Sandberg 1/10/2023
Credit Cards After Death: Here’s What Happens

Credit Cards After Death: What Happens?

There are many myths surrounding credit card debt, and a fair number concern what... read more »

Erica Sandberg 12/14/2022
5 Credit Card Debt Forgiveness Options

5 Credit Card Debt Forgiveness Options

There is nothing quite like being forgiven. Maybe you hurt a friend, and they told... read more »

Erica Sandberg 11/3/2022
20 Things You Didn’t Know Your Credit Card Could Do

20 Things You Didn't Know About Your Card

The most basic function of a credit card is that it allows you to purchase things... read more »

Erica Sandberg 10/3/2022
Credit Card Ownership By Age, Income, Gender & Race in 2023

Card Ownership By Age, Income, Gender & Race

Data on who applies for and receives certain credit cards and what they do with... read more »

Erica Sandberg 9/19/2022
Which Credit Card Companies Provide the Best Credit Cards? (June 2023)

Which Card Companies Have the Best Credit Cards?

Choosing a credit card can be a confusing process. Not only are there a huge number... read more »

Erica Sandberg 8/17/2022
Does Applying For a Credit Card Hurt Your Credit? 

Does Applying For a Credit Card Hurt Your Credit? 

To get a credit card in your own name, you’ll need to complete and submit an... read more »

Erica Sandberg 7/18/2022
6 Great Reasons to Use a 0% APR Deal (June 2023)

6 Great Reasons to Use a 0% APR Deal

Credit cards that offer 0% APR deals to new cardholders can be compelling. There... read more »

Erica Sandberg 6/2/2022
5 Ways to Use Credit Card Rewards to Buy Airline Tickets (June 2023)

5 Ways to Use Rewards to Buy Airline Tickets

No matter your destination, the price of airline tickets can be steeper than you... read more »

Erica Sandberg 5/4/2022
3 Credit Cards For Kids & Ways to Help Them Build Credit (June 2023)

3 Credit Cards & Credit-Building Tips For Kids

Children often want to feel more grown-up than they actually are, and that includes... read more »

Erica Sandberg 3/28/2022
Business Credit Card Personal Guarantee: What It Is and Why Banks Require It 

Why Banks Require a Personal Guarantee For Business Cards

One of the first steps you may want to take when starting your own business is to... read more »

Erica Sandberg 2/24/2022
How to Use a Prepaid Card Online (June 2023)

How to Use a Prepaid Card Online

Prepaid cards are among the safest and most convenient payment tools on the market... read more »

Erica Sandberg 1/18/2022
Which Credit Card Companies Report Authorized Users?

Which Credit Card Companies Report Authorized Users?

One of the most compelling benefits of becoming an authorized user on another... read more »

Erica Sandberg 12/15/2021
How to Pay Your Credit Card Bill in 2023

How to Pay Your Credit Card Bill For Each Major Issuer

After using your credit card to make a purchase or to withdraw cash, you will need... read more »

Erica Sandberg 11/9/2021
14 Types of Lenders You Should Know About

14 Types of Lenders You Should Know About

The United States has no shortage of available lenders. Some are financial... read more »

Erica Sandberg 10/18/2021
How to Get Approved For a Loan in 2023

How to Get Approved For a Loan

Getting the message that you’ve been approved for a credit product you applied for... read more »

Erica Sandberg 9/27/2021
Hardship Accommodations By Credit Card Issuer in 2023

Hardship Accommodations By Credit Card Issuer

There may come a time when you can’t manage even the minimum monthly payment for... read more »

Erica Sandberg 8/23/2021