The Ultimate Guide to Credit Cards
Wednesday, April 23, 2025

Eric Bank

Finance Expert
Eric Bank

About The Author

Eric Bank is an M.B.A. who has covered financial and business topics since 1985, appearing regularly on Credible, eHow, WiseBread, The Nest, Zacks, Chron, BadCredit.org and dozens of other outlets. Eric specializes in taking complex subject matters and explaining them in simple terms for consumer audiences, particularly in the world of personal finance. Eric holds a Master's in Business Administration from New York University and a Master's in Finance from DePaul University.

Latest Posts

327 posts written/edited to date
What is a Card Not Present (CNP) Transaction? When Consumers Make Purchases Without Swiping

What is a Card Not Present (CNP) Transaction?

By: Eric Bank 4/9/2025

As part of my research for this article, I reviewed my credit card usage and found that about 75% of my... Read More »

What is a Co-Branded Credit Card? A Guide to Loyalty-Based Rewards Cards 

What is a Co-Branded Credit Card?

By: Eric Bank 4/8/2025

Half the credit cards in my wallet are co-branded. They include cards for a hotel chain, a gas station... Read More »

Navy Federal Credit Union Adds to Its Suite of Credit Cards by Launching a Secured Cash Back Card

Navy Federal Adds a Secured Card with Cash Back

By: Eric Bank 4/3/2025

Navy Federal Credit Union recently introduced a new rewards credit card to add to its suite of products:... Read More »

Visa Offers $100M to Replace Mastercard as Apple Card’s Payment Network; American Express in the Mix

Visa, AmEx Vying to Take Over as Apple Card's Network

By: Eric Bank 4/2/2025

Visa, Mastercard, and American Express are having a tug-of-war over whose network will get to provide the... Read More »

What Is a Digital Wallet? How the Technology Makes Credit Card Payments More Secure and Convenient

How Digital Wallets Work

By: Eric Bank 3/17/2025

Back in the day, I always used to fish out a credit card when paying at a store or restaurant. For a long... Read More »

What Does No Preset Spending Limit (NPSL) Mean?

What Is a No Preset Spending Limit Card?

By: Eric Bank 3/13/2025

Credit cards with no preset spending limits (NPSL) may sound like a dream. The concept itself is alluring... Read More »

What is Revolving Credit? A Guide to Credit Limits, Repayment Terms, and Flexible Borrowing

An Educational Guide to Revolving Credit

By: Eric Bank 12/31/2024

The thing about revolving credit is that if you aren’t careful, your financial world may start revolving... Read More »

Experts Share the 7 Best Credit Cards for Holiday Shopping (2025)

Experts Share the 7 Best Credit Cards for Holiday Shopping

By: Eric Bank 12/23/2024

I love the holiday season. It’s a chance to reconnect with family members and enjoy some good times. I’m... Read More »

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