How being an authorized user affects your credit
Credit scores can benefit from the activity reported from an authorized user.
5 min read
Jun 20, 2023
EXPERTISE
- Personal finance
- Habit formation
EDUCATION
- BA in Music, Theatre Minor, Miami University
- MFA in Theatre, Illinois State University
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Nicole Dieker has been a full-time freelance writer since 2012 — and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library.
In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.
Nicole Dieker is the author of Frugal and the Beast: And Other Financial Fairy Tales, in which she reworks classic fairy tales to highlight their hidden financial lessons. She also writes the Larkin Day Mystery series.
Find Nicole Dieker beyond Bankrate
- CreditCards.com
- Vox
- Lifehacker
- The Penny Hoarder
- The Simple Dollar
- NBC News
- Popular Science
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Nicole's latest articles
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Should I use a personal loan to pay off credit card debt?
Using a personal loan to pay off credit card debt can be a huge financial relief—but is a personal loan your best option?
7 min read Jun 15, 2023 -
What to do when your credit card application is denied
So, your credit card application has been denied — here’s what to do next.
8 min read Jun 13, 2023 -
Why I charged a cruise on my credit card and how I’m still reaping rewards
A 0 percent intro card can help you fund large purchases, even a vacation.
4 min read Jun 07, 2023 -
How to build credit with a secured credit card
If you have a low credit score or a limited credit history, you can start building credit with a secured credit card. Here’s what you need to know.
4 min read Jun 05, 2023 -
What does 0% APR mean?
A 0% APR can be quite helpful, but it requires a certain level of discipline.
7 min read May 25, 2023 -
Is Clear worth the cost?
Clear can help you save time at the airport, but you’ll want to make sure you can get all the benefits before you apply.
6 min read May 24, 2023 -
How to do a balance transfer with Bank of America
Pay down debt with a balance transfer card from Bank of America.
7 min read May 24, 2023