Building credit doesn’t have to be a complicated process, and with the right credit card and consistent responsible habits, anyone can build their way up to an excellent credit score.
— Ashley Parks
Ashley Parks is an editor for Bankrate and CreditCards.com with expertise in building credit and repairing damaged credit quickly and responsibly. She has broad knowledge of credit card products, and she’s especially knowledgeable about subprime and student credit cards. During her time at Bankrate, Ashley has published stories with credit card advice for college students, international students, and first-generation credit card users. She also wrote a series on the best credit cards available to people with credit scores in the bad to fair range. Ashley is regularly featured in Bankrate video explainers, where she breaks down credit card concepts into understandable tips. Ashley is passionate about making credit card knowledge as accessible as possible.
Ashley graduated from Texas Christian University (TCU), earning her Bachelor of Arts degree in Writing and Theatre. You can learn more about Ashley, her work and her artistic pursuits at her personal website, ashleyparks.com.
Ashley opened her first credit card when she was a sophomore in high school. She didn’t want a credit card at all, but her parents insisted that building credit early would be key to helping her achieve future goals, like getting her first apartment. Though she got the credit card in high school, she didn’t start using the card to its full potential until after she began her career covering credit cards at Bankrate. “I avoided using my credit card at all costs until I had the knowledge of how they actually worked…almost 7 years later. I missed out on some key perks, but I’m impressed with what we can get credit cards to do for us when we know how to use them responsibly.”
Building credit doesn’t have to be a complicated process, and with the right credit card and consistent responsible habits, anyone can build their way up to an excellent credit score.
— Ashley Parks
As one of the few credit cards to offer monthly swappable categories, this flexible card can rake in 3 percent cash back on each month’s biggest expenses.
This card offers tiered points geared toward purchases made in Kroger stores and on Kroger-brand products.
Get objective reviews and advice from Bankrate experts on the best Discover credit cards for the year 2023. We'll help you find the card best suited for your needs.
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