John Ganotis

John GanotisJohn comes from a diverse background of software development, web publishing, and personal finance. He knows firsthand what it’s like to accumulate credit card debt, pay it off completely, and then start using credit to his advantage. His passion for technology and attention to detail have made Credit Card Insider one of the premier credit resources on the Internet, and he is eager to help others tackle debt and use credit as a powerful tool rather than fear it.

Does 0% credit utilization hurt my credit scores?

John Ganotis | Blog | Dec 22, 2016

If you already know what credit utilization is, you’re probably on the way to building great credit. It’s the percentage of your available credit that you’re using, and it’s a major factor in most credit scoring models. You may have also heard it called the “debt-to-limit” ratio. In general, you will earn more credit score points if you’re using 1% […]

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What credit score do I need to get a credit card?

John Ganotis | Blog | Dec 21, 2016

There is no exact credit score you need to get approved for a credit card. If I had to pick a number, I’d say you may run into trouble getting a credit card if you have a FICO score or VantageScore below about 600, but it’s more complicated than that. If you’re asking this question, there are some important things […]

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