The Ultimate Guide to Credit Cards
Sunday, September 8, 2024
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Studies by CardRates

Follow our latest personal finance studies, conducted through in-depth data analysis and nationwide surveys by our team of data analysts and research experts. Our team & methodology

Sourced by leading national news outlets

Erica Sandberg
Erica Sandberg

Finance Expert

Ashley Fricker
Ashley Fricker

Senior Editor

Jon McDonald
Jon McDonald

Contributing Editor

To ensure our studies offer complete coverage of the industry and meet our rigorous editorial standards, we deploy a step-by-step methodology to each piece of research we publish.

1. Trend Analysis

Our team meets weekly to review and discuss current trends in the finance marketplace. Our team chooses a topic worthy of further research.

2. Survey Commission

The team then commissions a national survey on the topic with a leading polling organization. We use large representative sample sizes to ensure accurate of results.

3. Analysis of Results

Survey results are then passed to our team of personal finance experts for analysis and commentary.

4. Publishing of Findings

Our team then writes about the research findings and passes it through a two-tiered review by our editors. The findings are typically published exclusively on CardRates.com.

5. Public Release

Our team then notifies major media outlets and others in the finance industry as to the findings of our research.

6. Feedback

We integrate all feedback, questions, and commentary received from major media and external experts into our future research ideation.

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American Prepared to Work Overtime to Pay Off Credit Card Debt

Jon McDonald
Jon McDonald

By: Jon McDonald

Jon McDonald

Jon McDonald, Contributing Editor

Jon McDonald brings more than 15 years of journalism expertise to CardRates.com. Informing financial consumers about emerging trends and companies making an impact in the industry, Jon is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use; he strives to bring that experience to readers worldwide. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.

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Editor: Austin Lang

Austin Lang

Austin Lang, Marketing Editor

Austin Lang has worked in writing and academia for more than a decade. He previously taught writing at Florida Atlantic University, where he graduated with a Master’s degree in English. His past experience includes editing and fact-checking more than 500 scientific papers, journal articles, and theses. As the Marketing Editor for CardRates, Austin leverages his research experience and love for the English language to provide readers with accurate, informational content.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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For millions across the U.S., credit card debt is a daily burden. Whether it stems from a little too much indulgence in shopping or the need to manage unforeseen expenses, credit card debt often... Read More »

Debt Dedication: The Average American Prepared to Work Over 6 Hours Overtime to Pay Off Their Credit Cards
Are You Living Your Childhood Dream Job? Survey Reveals 59 Million American Workers Loathe Their Current Career

Survey: 59 Million American Workers Loathe Their Career

By: Jon McDonald 8/13/2024

What do you want to be when you grow up? It’s a question we often ask our children... Read More »

NFL Game Day Costs: How Much Fans Will Spend at Every Stadium

NFL Game Day Costs: How Much Fans Will Spend at Every Stadium

By: Jon McDonald 8/13/2024

The 2024 NFL season is right around the corner! As Americans gear up to watch the... Read More »

Study Finds 65% of Americans Think Any Travel is a Luxury in 2024

Study: 65% of Americans Think Any Travel is a Luxury in 2024

By: Jon McDonald 7/30/2024

Americans love to travel. Whether exploring within our borders or going abroad to... Read More »

Parents Underestimate 2024 Back-to-School Spending by $370+

Parents Underestimate 2024 Back-to-School Spending by $370+

By: Jon McDonald 7/29/2024

Families across the country are gearing up for the annual back-to-school shopping... Read More »

Salaries, Net Worth & Contentment: Survey Reveals the Magic Number for Perceived Financial Happiness

Study: The Magic Number for American Financial Happiness

By: Jon McDonald 7/23/2024

Money can’t buy happiness, so the saying goes. Ask most Americans, however, and... Read More »

Study Reveals the Extent to Which Americans Turn to Alcohol When Making Big Financial Decisions 

Study: Many Turn to Alcohol When Making Big Financial Decisions

By: Jon McDonald 6/28/2024

Navigating significant financial decisions such as buying a home, consolidating... Read More »

Media Opportunities & Commentary

Our studies are covered regularly by major publications around the world. Contact our experts any time for media opportunities and additional commentary on any of our team's original research pieces.

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The Salary You’ll Need to Pay the Mortgage On Famous TV and Movie Homes

The Salary You'll Need to Afford Famous TV & Movie Homes

By: Jon McDonald 6/26/2024

In the entertainment world, iconic TV and movie homes have earned cult followings and... Read More »

Breaking the 30% Rule: The Real Cost of Housing for Millennials and Gen Z

The Real Cost of Housing for Millennials and Gen Z

By: Jon McDonald 6/26/2024

A general rule of thumb is that we should spend around 30% of our monthly wage on... Read More »

Survey of American Child Care Costs: Perception vs. Reality

American Child Care Costs: Perception vs. Reality

By: Jon McDonald 6/25/2024

The financial realities of child care can often catch parents off guard in the... Read More »

How Does the Wage Gap Affect Women’s Ability to Make Major Life Purchases?

How the Wage Gap Affects Women’s Purchasing Ability

By: Jon McDonald 6/12/2024

Research shows that the gender pay gap hasn’t changed much over the last two decades... Read More »

Survey Reveals Most Desired Locations to Redeem Credit Card Rewards for Luxury Escapes

Study: The Most Desired Locations to Redeem Rewards

By: Jon McDonald 6/6/2024

In a world where travel and luxury are increasingly accessible, credit card holders... Read More »

Buy Now, Pay Later: More than 1 in 4 Americans Currently Using BNPL Services

1 in 4 Americans Currently Using BNPL Services

By: Jon McDonald 5/21/2024

The growing popularity of Buy Now, Pay Later (BNPL) services has revolutionized... Read More »

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