Does getting denied for a credit card hurt your credit score?
Hard inquiries temporarily ding your credit score, but with the right steps, your credit score will rebound in no time.
5 min read
Jul 01, 2022
Nicole Dieker
Contributor, Personal Finance
EXPERTISE
- Personal finance
- Habit formation
EDUCATION
- BA in Music, Theatre Minor, Miami University
- MFA in Theatre, Illinois State University
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Nicole Dieker has been a full-time freelance writer since 2012 — and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library.
In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.
Nicole Dieker is the author of Frugal and the Beast: And Other Financial Fairy Tales, in which she reworks classic fairy tales to highlight their hidden financial lessons. She also writes the Larkin Day Mystery series.
Find Nicole Dieker beyond Bankrate
- CreditCards.com
- Vox
- Lifehacker
- The Penny Hoarder
- The Simple Dollar
- NBC News
- Popular Science
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Nicole's latest articles
-
-
How I got started with credit cards
Dhahran Velasquez-Channer is one of many young people working to build their credit as quickly as possible — and so far, he’s made all of the right financial choices along the way.
7 min read Jun 23, 2022 -
Card locks: What they are and how they work
You can use card locks to prevent purchases on your credit card.
4 min read Jun 08, 2022 -
How new parents can be smart about money
Home equity sharing agreements, like the ones offered by Unlock, are one way to manage growing family expenses.
5 min read May 26, 2022 -
What are contactless credit cards?
Contactless payments are becoming more common as consumers become familiar with the no-touch form of payment.
4 min read May 23, 2022 -
How to teach your teenager about financial responsibility
Are you ready to teach your teens about earning, spending, saving and investing? Greenlight can make the process easy and fun.
5 min read May 20, 2022 -
How to budget expenses during high inflation periods
Where to invest during high inflation, how to budget, when to cut back on monthly expenses, and ways to save on phone plans.
4 min read May 09, 2022 -
Save on your phone plan as inflation skyrockets
As inflation hikes, here’s a phone plan that can help you save.
4 min read Apr 06, 2022