Courtney Mihocik

Senior Editor, Credit Cards
Ribbon EXPERTISE
  • Credit scores
  • Building credit
  • Student credit cards
  • Credit card comparisons
Education EDUCATION
  • Bachelor of Science in Journalism, Ohio University

 

Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com with expertise in helping people with limited or no credit to understand their options for improving their credit scores. She focuses on the subprime category and provides guidance to people on their credit-building journeys.

Courtney is passionate about creating a space where people can learn more about managing their personal finances, specifically helping her peers achieve their credit card and credit score goals. She believes that public education fails to teach the essentials of personal finance to students and wants to make up for it in her editorial work.

Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar, where she produced daily personal finance articles from founder Trent Hamm in addition to student loan, personal loan, business loan and bad credit loan articles. Before entering the digital media space, Courtney worked in hyper-local print journalism, covering arts, culture, food, news and more for publications in Charlotte, North Carolina.

Courtney wants you to know

Courtney graduated college with a 750 credit score, which quickly plummeted to the 500s when she nearly defaulted on her high student loan payments she couldn’t afford. After applying for an income-driven repayment plan and six years of careful budgeting, hustling and responsible credit use, she’s happy to report her credit score is back hovering around 750 and she can qualify for better financial products.

Courtney’s recommended readings

We all make mistakes with our finances, and it’s not shameful to ask for advice or help to get your life in order financially. With credit cards, it’s especially important to be wary of racking up a high balance and relying on transfers to avoid interest. As an editor, I want Gen Z and millennials to have the same — if not better — financial opportunities than generations before.

— Courtney Mihocik

Courtney's latest articles

  • Citi Diamond Preferred Card Review

    The Citi Diamond Preferred Card offers one of the longest introductory balance transfer periods on the market. Here's why that might not be good enough.

    Mar 21, 2024

  • U.S. Bank Visa® Platinum Card Review

    The U.S. Bank Visa® Platinum Card offers a generous intro interest-free window of 18 billing cycles on purchases and balance transfers with no annual fee, but not much ongoing value after paying off your balance.

    Mar 21, 2024

  • Chase Slate Edge℠ review

    The Chase Slate Edge offers more long-term value than the legacy Slate as a low-interest card, but its intro and ongoing APR are easily outperformed.

    Mar 20, 2024

  • Wells Fargo Rewards® Card Review

    The Wells Fargo Rewards card offers a decent rewards rate and stands out from the crowd with 15 months of 0% APR on purchases and balance transfers.

    Mar 19, 2024

  • DCU Visa Platinum Credit Card Review

    A no-frills card that does not offer rewards but advertises a low range of APRs, making it a good card if you anticipate carrying a balance.

    Mar 19, 2024

  • Brink’s Armored™ Account Review

    A solid prepaid card—although kept nearly identical to Netspend cards—but upgrading to a debit or credit card is still worthwhile.

    Mar 19, 2024