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 Credit.com, CardRatings.com, MoneyRates.com and Art Hive Magazine.
Posts by Lucy Lazarony:
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
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
Your credit affects just about every aspect of your life. It has an impact on whether you can get a loan, mortgage, apartment, car or credit card with great rewards. All of your credit scores and reports come from the information in your three credit reports. Credit bureaus maintain these reports and sometimes you’ll need to reach out to a bureau about information in your report. They all offer online services (and prefer that you use their online forms instead of calling) but what if you don’t want to go through machines? Here’s how you can talk to a person when you contact a credit bureau. Read more
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