Courtney Mihocik

Columbus

Content Writer at Freelance

News and Advice Editor at CreditCards.com

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Articles

Credit Card Experts Break Down J.D. Power and Bankrate Scores

1 month ago | bankrate.com | Garrett Yarbrough |Courtney Mihocik

Bankrate review scores and J.D. Power satisfaction ratings can help guide your decision on your next credit card. Many top issuers in J.D. Power’s study have plenty of cards that won Bankrate Awards in recent years. Customer satisfaction ratings and other industry metrics among issuers can narrow down which ones to choose and which to avoid.
I Have Good Credit. Why Don't I Qualify For That Card?

2 months ago | bankrate.com | Nicole Dieker |India Davis |Ryan Flanigan |Courtney Mihocik

Credit card issuers may choose to reject your application even if you have a good or excellent credit score. Factors like previous credit mistakes, too many applications and too many cards can affect your approval odds. If you were denied a credit card with good or excellent credit, the issuer is required to tell you why you were denied. You may be able to contact the issuer’s customer service and argue for reconsideration.
Is The secured Self Visa® Credit Card Worth It?

2 months ago | bankrate.com | Courtney Mihocik

The secured Self Visa® Credit Card is a good tool for building credit when you have bad or no credit history and don’t yet have enough money for a security deposit, but it’s not for everyone. Self helps cardholders build credit by giving them a good credit mix — the credit builder account plus the credit card — and encouraging responsible credit-building habits.
You should freeze your credit. Here’s why

Mar 27, 2025 | bankrate.com | Courtney Mihocik |India Davis

Data breaches, financial fraud and internet crime have increased in recent years, so now’s the time to review how to protect your finances. If you haven’t already frozen your credit to prevent financial fraud, now may be the time to do it. Freezing your credit is free and has no impact on your credit score. Falling victim to a scam can be debilitating for your personal finances, and worryingly, financial fraud is becoming more common.
You should freeze your credit. Here’s why

Mar 27, 2025 | news3lv.com | Courtney Mihocik

You should freeze your credit. Here’s whyby Courtney MihocikThu, March 27th 2025 at 4:07 PMPhotography by Getty Images
You should freeze your credit. Here’s why

Mar 27, 2025 | cbs6albany.com | Courtney Mihocik

Key takeawaysIf your credit card issuer offers you rewards for making purchases, the IRS considers the rewards a rebate and not taxable income. If an issuer offers you bonus rewards with no purchase requirement, they may be taxable. In some cases, if you’re awarded credit card rewards that are worth $600 or more, the IRS requires the issuer to send you a 1099-MISC form to report on your income tax filing. Do you love earning credit card rewards?
Best Credit Cards For Bill And Utility Payments

Mar 26, 2025 | bankrate.com | Ryan Flanigan |Courtney Mihocik

Most people have bills and utilities to pay every month. While many people pay these bills directly from their checking accounts or with a debit card, you can also use credit cards. One of the easiest ways to maximize your credit card rewards is to use cards for everyday spending to earn the most points or cash back in your most common categories. This includes your regular bills and utilities.
Can You Apply For A Credit Card While Unemployed?

Mar 19, 2025 | bankrate.com | Raychelle Heath |Courtney Mihocik

You can get approved for a credit card even if you’re unemployed, although you need to list at least one eligible source of regular income on your application. This income doesn’t need to be money from a job, and can instead include your spouse’s income, unemployment benefits, alimony, child support payments and more.
Capital One Savor Cash Rewards guide

Mar 10, 2025 | creditcards.com | Rebecca Lake |Courtney Mihocik |Brady Porche

Our editorial team and expert review board work together to provide informed, relevant content and an unbiased analysis of the products we feature. The editorial content on our site is independent of affiliate partnerships and represents our unique and impartial opinion. Learn more about our partners and how we make money. Got a craving for cash back? The Capital One Savor Cash Rewards Credit Card is designed to satisfy your appetite for cash rewards if you regularly spend on dining and groceries.
5 Best Credit Cards For New Parents

Mar 6, 2025 | bankrate.com | Garrett Yarbrough |Sara Coleman |Alice Lesperance |Courtney Mihocik

The sleepless nights, the excitement and the big questions — all are expected when you’re a new parent. While par for the course with a new addition in the household, adjusting your finances to the new reality can be equally overwhelming. As you re-evaluate your family budget, you may find it an ideal time to add a new credit card to your wallet that earns rewards on the purchases you’re bound to make more regularly.