Courtney Mihocik

Senior Editor, Credit Cards
Ribbon Icon EXPERTISE
  • Credit scores
  • Building credit
  • Student credit cards
  • Credit card comparisons
Education Icon EDUCATION
  • Bachelor of Science in Journalism, Ohio University

 

Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com with expertise in helping people with limited or no credit to understand their options for improving their credit scores. She focuses on the subprime category and provides guidance to people on their credit-building journeys.

Courtney is passionate about creating a space where people can learn more about managing their personal finances, specifically helping her peers achieve their credit card and credit score goals. She believes that public education fails to teach the essentials of personal finance to students and wants to make up for it in her editorial work.

Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar, where she produced daily personal finance articles from founder Trent Hamm in addition to student loan, personal loan, business loan and bad credit loan articles. Before entering the digital media space, Courtney worked in hyper-local print journalism, covering arts, culture, food, news and more for publications in Charlotte, North Carolina.
Courtney wants you to know
Courtney graduated college with a 750 credit score, which quickly plummeted to the 500s when she nearly defaulted on her high student loan payments she couldn’t afford. After applying for an income-driven repayment plan and six years of careful budgeting, hustling and responsible credit use, she’s happy to report her credit score is back hovering around 750 and she can qualify for better financial products.
Courtney’s recommended readings

Rethinking credit: Tips for first-gen credit users
How bad credit affects your mental health
Consumer credit protections: Know your rights

We all make mistakes with our finances, and it’s not shameful to ask for advice or help to get your life in order financially. With credit cards, it’s especially important to be wary of racking up a high balance and relying on transfers to avoid interest. As an editor, I want Gen Z and millennials to have the same — if not better — financial opportunities than generations before.

— Courtney Mihocik

Courtney's latest articles

  • Indigo® Mastercard®

    The Indigo Mastercard is aimed at those with poor credit, no credit history, or even those who've declared bankruptcy, which means it’s easier to get approved for than other cards.

    11 min read Dec 01, 2022

  • Discover it® Secured Credit Card

    If you need a secured credit card, the [sc code='credit_card' pid='6743' field='name'] is a fantastic choice.

    13 min read Nov 30, 2022

  • Discover it® Student Cash Back

    Discover translates the rewards power of the Discover it® Cash Back card intro a top-tier student credit card.

    14 min read Nov 08, 2022

  • American Express® Business Gold Card

    The American Express® Business Gold Card is a strong credit card choice for small business owners with a generous annual travel itinerary.

    16 min read Nov 03, 2022

  • The Platinum Card® from American Express

    The Platinum Card cements its' best-in-class status with more elite rewards and benefits for travelers than ever before, but at a higher price.

    23 min read Nov 03, 2022

  • Credit One Bank American Express® Card

    Amex features give this card a leg up over other Credit One cards and some for fair credit, but there are better cards depending on how you value certain perks.

    11 min read Oct 31, 2022