Why the Amex Platinum is a great card for active duty military
Get all the generous benefits this card offers for an annual fee of $0.
The first step to finding the right credit card is understanding your spending habits and credit history. Once you know that, you can find a card that works for your situation and helps you reach your financial goals.
— Liza Carrasquillo
About the author
Liza Carrasquillo is an editor on the Bankrate credit cards team who focuses on providing accurate educational content to those at all stages of their credit card journey.
After graduating from the University of North Carolina Wilmington, Liza quickly dove into the world of journalism, where she wrote a variety of lifestyle articles, including home design, art, small business and travel articles, for those on a budget. She also worked for various clients in the personal finance realm, from certified public accountants to mortgage brokers and local banks, before moving back into journalism as an editor at NerdWallet. Liza brings her perspective and expertise from these positions to every article at Bankrate that she touches.
When not writing or editing, Liza can be found hanging out at the local dog bar with her rambunctious corgi or building custom terrariums for her reptiles at home.
Liza wants you to know
Growing up, finances were a difficult topic in my family. My parents drilled into me the dangers of credit cards — to the point where I was scared to use one until I was already an adult. But as I slowly learned more about them — about how they could help me build credit, earn rewards and handle an emergency — I realized that my fear was misplaced. I know how hard it can be to develop new financial habits, even if they’re good ones, which is why I’m passionate about helping others learn what the right credit cards can do for them.
Liza's recommended readings
How to build credit as a college student
What is a secured credit card and how does it work?
5 credit card strategies to help tame money-related stress
The first step to finding the right credit card is understanding your spending habits and credit history. Once you know that, you can find a card that works for your situation and helps you reach your financial goals.
— Liza Carrasquillo
Get all the generous benefits this card offers for an annual fee of $0.
Come prepared to your credit card debt negotiation.
What to do when you’re sued for credit card debt, including how to settle credit card debt before going to court.
Here’s everything you need to know about the Ramp corporate card before you apply.
A lower APR is better and a good credit score will help you qualify for better APRs
As a victim of credit card fraud, you have protections under the Fair Credit Billing Act.
You are generally not responsible for your spouse’s credit card debt unless you are a co-signer for the card or it is a joint account. But some state laws vary and you may be liable for this debt.
When you overpay your bill, extra funds generally remain as a credit on your account. But there are more options you may consider.