The Ultimate Guide to Credit Cards
Monday, September 25, 2023
Marcie Geffner
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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.

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Latest Posts

50 posts written/edited to date
6 Tips: Maximize Labor Day Savings With the Right Credit Card

6 Tips to Maximize Labor Day Sales

Labor Day sales offer a treasure trove of great deals. Whether you’re shopping for... read more »

Marcie Geffner 8/28/2023
The Credit Card Competition Act and What It May Mean For Issuers and Cardholders

Following the Credit Card Competition Act

If you love your credit card rewards program, you may not like the Credit Card... read more »

Marcie Geffner 8/8/2023
How to Dispute a Credit Card Charge

How to Dispute a Credit Card Charge 

The ability to dispute a charge may be one of the most valuable and least... read more »

Marcie Geffner 7/6/2023
Average Credit Card Debt by Year

The Average Credit Card Debt by Year

Consumers love credit. Whether it’s in the form of credit cards, loans, lines of... read more »

Marcie Geffner 6/27/2023
Average Credit Card Debt by Age in 2023

The Average Credit Card Debt by Age

In 2022, US consumers of all ages dramatically increased how much debt they owe... read more »

Marcie Geffner 6/27/2023
April Is Financial Literacy Month — Here Are 7 Ways to Take Action

April is Financial Literacy Month

April is “Financial Literacy Month.” While the origins of this celebration may be a... read more »

Marcie Geffner 4/3/2023
Global Entry vs. TSA PreCheck vs. CLEAR: Credit Card Benefit Comparison (Sep. 2023)

Global Entry vs. TSA PreCheck vs. CLEAR

Airline travel typically involves a lot of waiting in lines. There’s a security... read more »

Marcie Geffner 3/6/2023
7 Ways to Manage Credit Card Debt When Rates Rise (Sep. 2023)

7 Ways to Manage Card Debt Amid Rising Rates

After decades of low interest rates, the Federal Reserve hiked its key bank rate... read more »

Marcie Geffner 2/1/2023
How to Achieve Your Financial New Year’s Resolutions

How to Achieve Your Financial New Year's Resolutions

Increase savings. Pay off credit cards. Build an emergency fund. When Bank of... read more »

Marcie Geffner 1/6/2023
7 Surprising Christmas Spending and Debt Statistics

7 Christmas Spending and Debt Statistics

Christmas is an exceptionally popular holiday. A 25-year Gallup poll found that... read more »

Marcie Geffner 12/6/2022
18 Surprising Credit Card Facts & Statistics 

18 Surprising Credit Card Facts & Stats

There’s no doubt about it: consumers love credit cards. They’re easy to use... read more »

Marcie Geffner 11/15/2022
5 Reasons Paying an Annual Fee Is Worth It (Or Not Worth It) 

5 Reasons Paying an Annual Fee Is Worth It

Credit card annual fees tend to get a bad rap. And it’s no wonder, with charges as... read more »

Marcie Geffner 10/6/2022
Average Credit Card Debt by Age, State, and Income

Average Credit Card Debt by Age, State, and Income

Do you want to be average? Maybe yes. Maybe no. When it comes to credit card debt... read more »

Marcie Geffner 9/8/2022
How to Get a Free Credit Score From Your Credit Card Company

How to Get a Free Credit Score From Your Card Company

Checking your credit score is a smart financial habit. While your score isn’t the... read more »

Marcie Geffner 8/2/2022
Can I Use Credit Cards Before Closing on a Home? (Oct. 2023)

Can I Use My Card Before Closing on a Home?

Homebuyers are well-advised to be mindful of their credit usage when applying for a... read more »

Marcie Geffner 6/23/2022
How Many Credit Cards Is Too Many?

How Many Credit Cards Is Too Many?

Many people love having lots of credit cards. One for cash back, one for travel... read more »

Marcie Geffner 5/26/2022
How Do Air Miles Work? 

How Air Miles Work: From Earning to Redeeming

For frequent travelers, air mile rewards are a no-brainer. But these premium travel... read more »

Marcie Geffner 4/19/2022
Can You Pay Taxes With a Credit Card?

6 Reasons to Pay Your Taxes With a Credit Card

When the calendar turns to February, taxpayers turn their attention to the annual... read more »

Marcie Geffner 2/9/2022
How to Get a Business Credit Card (Sep. 2023)

How to Get Approved For a Business Credit Card

Most people are familiar with personal credit cards. But many don’t know that, if... read more »

Marcie Geffner 1/13/2022
Which Credit Card Should I Pay Off First? (Oct. 2023)

Which Credit Card Should I Pay Off First?

Unwanted credit card debt can feel overwhelming. Having a plan to pay it off and... read more »

Marcie Geffner 12/8/2021