Virginia is a former credit cards writer for NerdWallet. She is a journalist who has covered personal finance, business, real estate, architecture and design. Her work has appeared in the Philadelphia Inquirer, The New York Times, The Awl and Mental Floss.
The latest from Virginia C.
How to Build Credit With a Secured Credit Card
Get the right card, use it regularly, keep your balance low and, above all, pay your bill on time every month.
Discover it Secured Review: Earn Rewards as You Build Credit
It's nice to find a secured credit card with a $0 annual fee. Even better is one that offers a path to upgrade to a regular card. This one does both — and it gives you rewards, too.
How to Apply for a Credit Card Without a Social Security Number
Noncitizens can get a similar identifier called an ITIN, and some 'alternative' cards don't require a Social Security number at all.
What Is a Secured Credit Card? How Is It Different From an Unsecured Card?
A secured card requires a cash deposit. The deposit reduces the risk to the issuer, making these cards an option for people with bad credit.
Premium Checking: What’s in It for You?
Premium checking accounts at major banks may have perks like ATM reimbursements, discounted rates and paid interest.
Avoiding Cashier’s Check Fraud
If you're suspicious of a check you've received, call the issuing bank. If you're a victim, notify all parties involved and report the crime to the FTC.
How to Assess Your Credit Card Needs After Divorce
Sorting out your credit cards during a divorce can set you up for a smooth return to managing your credit as a single person.
Apply for a Credit Card Online
Applying for credit cards online is easy. The key is to choose the right one.
Is a Credit Card the Best Way to Consolidate Debt?
The answer depends on how much debt you have, how long you'll need to pay it off and your credit score.
Does Your Credit Card’s Interest Rate Matter?
If you pay in full every month, your credit card interest rate doesn't matter. If you carry a balance, it does.