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

Zina Kumok

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

15 posts written/edited to date
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 »

8 Best 0% APR Business Credit Cards (2024)

8 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 »

5 Credit Cards With DashPass Benefits (2024)

5 Best Cards With Free DashPass Benefits

By: Zina Kumok 9/18/2023

When you’re a Chase cardholder, you can access a variety of benefits and perks. And one of the best... Read More »

5 Highest-Limit Citi Credit Cards (2024)

5 Citi Cards With High Credit Limits

By: Zina Kumok 9/11/2023

As the threat of recession hangs over the US economy, more people are relying on their credit cards to... Read More »

5 Best Credit Cards For Paying Car Insurance (March 2025)

5 Best Cards for Paying Car Insurance

By: Zina Kumok 7/24/2023

These days, you can put almost anything on a credit card. And if you’re like most cardholders, you use... Read More »

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