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Lucy Lazarony

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 Credit.com, CardRatings.com, MoneyRates.com and Art Hive Magazine.

Posts by Lucy Lazarony

Should You Sign the Back of Your Credit Card?
Credit Cards

Should You Sign the Back of Your Credit Card?

Signing the back of your credit card is an important security step for protecting your card’s information should it fall into the wrong hands. Merchants are supposed to check that the signature on the card matches the signature on the… read more…

Contact a Credit Bureau
Credit Cards

How to Contact a Credit Bureau and Talk to a Real Person

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… read more…

How Does a Line of Credit Work?
Credit Cards

How Does a Line of Credit Work?

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 also have… read more…

SmartAsset: How to Calculate APR on a Credit Card
Credit Cards

How to Calculate APR on a Credit Card

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 rate (APR) works. The… read more…

How Long Does Negative Info Stay on My Credit Report?
Credit Score

How Long Does Negative Info Stay on My Credit Report?

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 hurt your credit. But how long does negative information stay on a credit report? The exact length of time is… read more…

Rental Car Insurance: Which Credit Cards Cover You?
Credit Cards

All About Credit Card Rental Car Insurance

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 the credit card to pay for your rental car. You’ll also have to forgo the rental company’s own insurance.… read more…

Free FICO Scores
Credit Cards

Which Credit Cards Give Free FICO® Scores?

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 creditworthiness and risk based on your credit history. More… read more…