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

  • Best Chase Credit Cards for 2024 | Bankrate

    These are Bankrate's top picks for Chase credit cards you should consider adding to your wallet in 2024. Read our expert advice and compare the latest offers from Chase.

    16 min read Nov 12, 2024

  • Discover it® Cash Back

    It’s one of the best no-annual-fee cards for low rates and fees, cash back, first-year value and customer service if you don’t mind rotating categories.

    14 min read Nov 11, 2024

  • Best Student Credit Cards for 2024 | Bankrate

    The best credit cards for high school or college students typically offer cash back, rewards and other perks like low interest rates. See Bankrate's favorite student credit cards for 2024.

    11 min read Nov 06, 2024

  • Best Zero Interest Cards

    Find a top zero-interest credit card in 2024 to help finance big purchases and manage debt without paying interest with Bankrate.

    13 min read Nov 04, 2024

  • Best Bank of America Business credit cards of 2024

    Often offering generous welcome offers, no annual fees and competitive rewards rates, the flexibility and convenience you can get out of a Bank of America business card is hard to miss.

    11 min read Nov 01, 2024

  • Best Credit Cards for Bad Credit | Bankrate

    If you have a bad credit score, there are still credit card options for you. Our experts have evaluated the best credit cards for bad credit available from our partners.

    12 min read Oct 28, 2024