The Ultimate Guide to Credit Cards™
Thursday, October 8, 2026

Zina Kumok

Contributing Expert
Zina Kumok

About The Author

Zina Kumok is a personal finance writer, certified financial health counselor, and certified student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.

Latest Posts

Worked On 18 Articles To Date
20 Must-Know Credit Card Minimum Payment Statistics

20 Must-Know Credit Card Minimum Payment Statistics

By: Zina Kumok • 9/16/2026

When you have a credit card bill, you often see several figures, including the statement balance, the... Read More »

19 Revealing Credit Card Charge-Off Rate Statistics

19 Revealing Credit Card Charge-Off Rate Statistics

By: Zina Kumok • 9/14/2026

If you have trouble paying your credit card bills, your credit card issuer may eventually write off the... Read More »

23 Credit Card Delinquency Rate Statistics 2025-2026

23 Credit Card Delinquency Rate Statistics

By: Zina Kumok • 3/31/2026

Being delinquent on a credit card means that you’re at least 30 days late — or more — paying your bill... Read More »

What is a Cosigner? Understanding the Benefits and Risks of Shared Borrowing Responsibility

What is a Cosigner? Understanding Shared Borrowing Responsibility

By: Zina Kumok • 9/24/2024

My first car was a white Volkswagen Jetta, and I loved that car. I saved up for the down payment by... Read More »

What is an EMV Chip? A Guide to the Credit and Debit Card Security Feature

What is an EMV Chip? A Guide to the Credit Card Security Feature

By: Zina Kumok • 9/23/2024

When I got my first card with a little embedded metallic rectangle, I thought it looked cool. But it... Read More »

What is Credit Monitoring? How to Safeguard Your Credit Reports & Scores

What is Credit Monitoring? Safeguard Your Reports & Scores

By: Zina Kumok • 9/18/2024

I definitely sympathize if you’re not much of a numbers person, but certain numbers can tell us a lot... Read More »

What is Fraud Protection? A Look at How Credit Card Issuers Keep Cardholders Safe

What is Fraud Protection? How Issuers Keep Cardholders Safe

By: Zina Kumok • 8/6/2024

If you’ve ever experienced credit card fraud, you’re not alone. You are part of the 60% of Americans who... Read More »

7 Best 0% APR Business Credit Cards (Oct. 2026)

7 Business Cards With 0% APR Promos

By: Zina Kumok • 10/16/2023

When you’re an entrepreneur or small business owner, you need a credit card that understands that... Read More »

spinner