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Lucy Lazarony

Credit Card and Credit Expert

Lucy Lazarony has been writing about personal finance for more than a decade. Lucy's a credit card expert. She is a freelance writer and award-winning journalist living in South Florida. Lucy earned a bachelor’s degree in journalism from the University of Florida. Her work is featured on,, and Art Hive Magazine.

Posts by Lucy Lazarony:

by Lucy Lazarony Aug 21, 2019

Signing the back of your credit card is an important security step for protecting your card’s information if it should fall into the wrong hands. Merchants are supposed to check that the signature on the card matches the signature on the sales receipt as a security precaution. If a card has no signature on the back, they aren’t required to process the ensuing payment. Read more

by Lucy Lazarony Feb 14, 2018

When you make a payment with a credit card not all of that money goes to the merchant. Your payment has to be authorized by multiple companies or banks along the way and some of them will deduct fees for their services. A portion of your payment goes to your card issuer’s bank, the merchant’s bank, the big payment networks such as Visa and Mastercard as well as payment processing companies. Here’s what you need to know about credit card processing fees. Read more

by Lucy Lazarony Jun 19, 2020

The information that credit bureaus collect affects just about every aspect of your life. Whether you’re approved for a credit card, get a good mortgage rate, can rent an apartment or even get a job – they all can hinge to varying degrees on your credit score. So when a credit bureau has something wrong, it’s imperative that you tell them. The three major bureaus – Equifax, Experian and TransUnion – offer online services and prefer that you use their online forms instead of calling. But sometimes you need to talk to a live person. Here’s how to make contact. Read more

by Lucy Lazarony Jan 08, 2018

When it comes to borrowing money, you have a few options like loans and credit cards. With a loan, you receive a lump sum all at once. You then have to repay that amount, plus interest over time. You… Read more

by Lucy Lazarony Feb 13, 2019

Are you wondering just how much it costs you to to carry a credit card balance? To understand how much you’re going to pay in interest, you will need to understand how your card’s annual percentage… Read more

by Lucy Lazarony Dec 11, 2017

Credit cards offer a convenient way to build up a strong payment record and give a boost to your credit score. In turn, a good credit score can snag you better interest rates when you apply for a car… Read more

by Lucy Lazarony Jul 23, 2019

It’s not always easy to keep up with our spending. Sometimes, before you know it, you’ve ignored your credit card bill for way too long and your issuer sends the debt to collections. That’s gonna… Read more

by Lucy Lazarony Oct 18, 2017

If you already have a credit card, hopefully you’re happy with it no matter if it’s Visa or Mastercard. But have you ever wondered what the difference between Visa and Mastercard is? While neither… Read more

by Lucy Lazarony Oct 08, 2018

Whether you use a Visa, Mastercard or American Express card, chances are you can get some free auto insurance coverage when you rent a car. Generally, in order to snag this feature, you have to use… Read more

by Lucy Lazarony Oct 22, 2019

Your FICO® score comes from the Fair Isaac Corporation and is represented as a three-digit number between 300 and 850. The higher the number, the better the score. Your score reflects… Read more