John is committed to helping people understand how credit works and use it to their advantage. Since 2007, when he first worked in the finance industry, he’s been building his credit knowledge. It’s his mission to communicate this knowledge clearly to everyone who’s willing to learn, constantly improving the guides and reviews on Credit Card Insider since 2012. He knows firsthand how easy it is to accumulate credit card debt, the challenge of paying it off completely, and the satisfaction of using credit to his advantage. John is devoted to making Credit Card Insider the best resource for those looking to understand credit and use credit cards as a powerful tool rather than fear them.
The credit utilization percentage is a big deal when it comes to your credit score. Learn how to calculate it, what to aim for, and how to improve it.
Is it better for your credit scores to have your cards completely paid off, or to have some small balance reported on your card? Find out here.
You may be able to get cash advances with your credit card, but should you? We'll explain all the different fees involved and things to consider.