Seychelle is a credit card writer and Certified Financial Education Instructor℠ at Bankrate where she employs a cumulative 12 years of experience. During her seven-year tenure in banking, she worked one-on-one with clients to assess their financial needs and develop custom solutions for tackling debt, building budgets, boosting savings and achieving their financial goals. Over the last five years she has written about personal finance topics and news which has been featured on publications including Kiplinger, Credible, GO Banking Rates, Nasdaq, Yahoo! Finance and others.
Seychelle is passionate about spreading financial literacy and empowering people to take action towards improving their finances. Today, she covers credit card topics with empathy and compassion by infusing her lived experiences and applied knowledge into her articles. She also interviews industry experts on emerging credit topics to help consumers make informed decisions through varied perspectives and industry insights.
Balance transfers don’t make debt disappear, nor do they erase any information on your credit report that’s associated with the account you transferred the balance from. Balance transfers also won’t force you to change the spending habits that allowed the debt to accumulate in the first place. But, when used properly, they can be great tools for avoiding high interest while you pay down your debt.
The best credit card for you might not be the most popular or even have the highest rewards. Go for credit cards that fit your lifestyle and spending - not the other way around.
— Seychelle Thomas, CFEI®
Are you looking for a temporary break from APR on existing debt? One of the balance transfer credit card offers available on Bankrate could help you pay down balances, improve your credit score and save on interest charges — plus, some earn great rewards.
Credit card statements contain important financial information. Here’s how to manage both paper and digital statements.
The Best Buy® Visa® Card turns your purchases into rewards that can be used towards your next Best Buy haul. It’s a good choice for people who can afford to pay off their balance each month and already have another credit card for their primary expenses. However, the restrictive rewards and “flexible” financing may prove difficult to navigate.
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 2025.
Our balance transfer calculator will determine when your debt will be paid off based on the information you enter.
You can be preapproved for a Wells Fargo credit card without a hard inquiry.
Which cash back credit cards also come with 0% intro APR offers? Let’s take a look.
Reading your credit card bill helps spot errors, gauge spending and analyze charges.
