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Daniella Ramirez

Former Editor, Credit Cards
  • 4
    Years of experience
CD Icon CREDENTIALS
  • Poynter ACES Certificate in Editing
Ribbon Icon EXPERTISE
  • Credit cards
  • Student credit cards
  • Credit card debt
  • Credit scores
  • Building credit
Education Icon EDUCATION
  • Bachelor of Arts in Journalism and Mass Communication, University of South Carolina, Columbia

About the author

Daniella Ramirez is a former Credit Cards Editor at Bankrate with four years of editorial experience, specializing in demystifying credit for young adults and first-time cardholders. She began her financial media journey at Red Ventures brands like The Points Guy, where she developed her expertise in credit products and editorial storytelling.

Committed to financial literacy, Daniella holds a Poynter ACES certificate in editing and is pursuing the NFEC’s Certified Financial Education Instructor course to further empower readers. Her work reflects a passion for breaking down complex topics — from choosing your first credit card or how to improve your credit score — into relatable, jargon-free guidance. When not analyzing APRs, she’s likely lifting weights at CrossFit, channeling the same discipline she advocates for managing credit.

Daniella obtained her bachelor’s degree in Journalism and Mass Communication from the University of South Carolina, Columbia.

Age is just a number when it comes to financial wisdom. The smartest credit card users start young – by spending mindfully, paying on time, and understanding how their cards work.

— Daniella Ramirez

Daniella's latest articles