What happens if you go over your credit card limit?
Regardless of the amount, spending beyond your credit limit is generally a bad idea.
6 min read
Mar 22, 2022
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
Highlights
- Ten years of personal finance writing experience, with stories published on Vox, The Simple Dollar, The Penny Hoarder, Lifehacker and more
- Five years writing and editing The Billfold, a personal finance blog where people had honest conversations about money
- Author of Frugal and the Beast: And Other Financial Fairy Tales
Experience
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’s debut novel, The Biographies of Ordinary People, is a Millennial-era Little Women that follows three sisters from childhood to adulthood. Dieker is also 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.
"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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Can credit card companies garnish wages?
Wage garnishment is one of the final steps in the debt collection process.
4 min read Mar 18, 2022 -
How to check and change your billing address
Here’s what you need to know about updating your billing address.
5 min read Mar 18, 2022 -
How to contact your credit card issuer
When contacting your credit card issuer, preparing for the call means you’re more likely to get you what you need. Here’s how to get ready.
4 min read Mar 17, 2022 -
0% APR credit cards: Life rafts or debt traps?
Learn more how to avoid pitfalls and make the best use out of 0% APR credit cards to your advantage.
4 min read Mar 16, 2022 -
How to get rid of credit card debt
Eliminating credit card debt might take time, but it’s an achievable goal. Here are some strategies to reduce debt, lower your interest rates and begin your journey towards a debt-free life.
3 min read Mar 16, 2022 -
Global Entry vs. TSA PreCheck: Which is better?
All frequent flyers should consider both—but if you travel internationally, it’s worth taking a look at Global Entry.
6 min read Mar 14, 2022 -
How to build credit
Your credit score has a huge impact on your financial life. The good news is that building credit isn’t hard. Here’s how to start improving your credit today.
7 min read Mar 14, 2022