The Ultimate Guide to Credit Cards
Wednesday, April 30, 2025

Marcie Geffner

Banking Expert
Marcie Geffner

About The Author

Marcie Geffner is an award-winning reporter, editor, and writer. Her stories about banking, credit cards, insurance, economics, small business, and other subjects have been featured by the Los Angeles Times, Washington Post, Bankrate, Credit Karma, Bookmarks Magazine, FOX Business, CNBC, Yahoo! Finance, and dozens of major U.S. newspapers.

Her articles have been cited in seven nonfiction books and two U.S. Congressional hearings. She edits nonfiction, memoir, and fiction, and contributes to Kirkus Reviews. Marcie holds a bachelor’s degree in English from UCLA and MBA from Pepperdine University.

Latest Posts

61 posts written/edited to date
What is Accrued Interest? How Credit Card Interest Adds Up Over Time

How Accrued Interest Works on Credit Cards

By: Marcie Geffner 12/16/2024

Definitions of accrued interest tend to be complicated – so much so that I’m dismayed because the concept... Read More »

What is an Introductory Offer? Why Credit Card Issuers Offer Consumers Incentives to Apply

What is an Introductory Offer on a Credit Card?

By: Marcie Geffner 11/27/2024

With two very good credit cards in my wallet, I didn’t feel a need for a third until a natural disaster... Read More »

What is Subprime Credit? How Credit Card Issuers Evaluate Consumer Risk

What Does Subprime Credit Mean? How Issuers Evaluate Risk

By: Marcie Geffner 10/1/2024

Here’s a confession: I’ve never had subprime credit. Yet as a financial writer, I’m well familiar with... Read More »

What is the Credit CARD Act of 2009? How the Legislation Impacts Consumers

What is the CARD Act and How Does It Impact Consumers?

By: Marcie Geffner 9/5/2024

Throughout my life, I’ve never had significant problems with my credit cards or card debt. That may be... Read More »

What is a Credit Union? A Look at the Benefits of Membership

What is a Credit Union? A Look at the Benefits of Membership

By: Marcie Geffner 7/29/2024

A credit union is a cooperative organization that provides banking services, including deposit accounts... Read More »

What is the Credit Card Competition Act of 2023?

What is the Credit Card Competition Act of 2023?

By: Marcie Geffner 6/24/2024

The Credit Card Competition Act (CCCA) is a proposed federal law that would change the way most credit... Read More »

9 Timely Credit Card Default Statistics (2025)

9 Timely Credit Card Default Statistics & Trends

By: Marcie Geffner 5/13/2024

Millions of people use credit cards on a regular basis without ever failing to make at least the minimum... Read More »

America Saves Week: 25 Tips to Jump-Start Your Savings

25 Tips to Jump-Start Your Savings

By: Marcie Geffner 4/8/2024

Smart consumers know there are plenty of reasons to save money for future expenses, such as emergencies... Read More »

spinner