What is the date of first delinquency on credit card debt?
There is a time limit for how long a delinquent payment is on credit reports.
3 min read
May 17, 2023
EXPERTISE
- Consumer law
- Monetary policy
- Debt management
- Mortgages
EDUCATION
- MBA and BA in Economics from accredited Indian universities
- M.A. in Journalism, University of Mississippi
Making good financial decisions enables people to get more out of life, and I’m happy to contribute to that endeavor.
— Poonkulali Thangavelu
Highlights
- Extensive journalism experience covering personal finance and business topics
- Covered home price fluctuations leading up to the housing market crash
- Views credit cards as a good financial resource to draw on, if used wisely
Experience
Poonkulali Thangavelu is a senior writer and columnist at CreditCards.com and Bankrate, addressing debt and credit card-related legal and regulatory issues.
She believes that making good financial decisions enables people to get more out of life and is happy to contribute to this endeavor. She uses credit cards extensively and sees them as a good financial resource to draw on, if used wisely.
She has extensive journalism experience covering personal finance and business topics. She draws on her financial expertise (she holds an MBA degree, with finance and marketing concentrations, as well as a BA in economics from accredited Indian universities, in addition to an M.A. in journalism from the University of Mississippi, where she was awarded a graduate assistantship) and likes to simplify the subject matter to enable readers to make good decisions. And she has participated in the University of Pennsylvania’s Wharton seminars for business journalists program to keep abreast of business topics.
While covering the mortgage market for National Mortgage News, she curated and edited a newsletter targeting the home-equity lending niche of the mortgage industry. In this role, she cautioned that home prices were getting out of hand in the period leading to the housing market crash that started in 2006.
She has also contributed to multiple business and consumer-oriented publishers, including Investopedia, CreditKarma and Multi-Housing News. Her work has been picked up by various national publishers such as the San Francisco Gate, Chicago Tribune and McGraw Hill, along with being syndicated to Fidelity, MSN, Nasdaq, Yahoo! and others.
Her career includes a stint doing consumer market research for global advertising agency Ogilvy (formerly Ogilvy & Mather) as well as experience as an equity analyst and writer.
Making good financial decisions enables people to get more out of life, and I’m happy to contribute to that endeavor.
— Poonkulali Thangavelu
Poonkulali's latest articles
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Know your rights when facing credit card fraud
If you find yourself a victim to credit card fraud, there’s recourse to follow.
5 min read May 17, 2023 -
What is a business credit card and how do they work?
A business credit card might be better for your small business than a personal card.
5 min read May 11, 2023 -
Medical debt under $500 off credit reports
Medical debt under $500 is now off your credit reports, even if it goes into collections.
4 min read May 08, 2023 -
Why are credit card APRs so high?
Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
5 min read May 03, 2023 -
How the Fed affects credit cards
The Fed continues its fight against inflation and is expected to take rates higher, meaning cardholders could see higher rates, too.
5 min read May 03, 2023 -
Does your credit card’s interest rate matter?
Your card’s interest rate, or APR, only matters if you carry a balance on the card.
4 min read Apr 26, 2023 -
How to build credit without a credit card
There are many ways to build up credit even if you don’t qualify for a credit card.
5 min read Apr 24, 2023
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What debts can you transfer to a credit card?
You can transfer a variety of debt to cards, but not all cards accept all transfers.
4 min read Jun 02, 2023 -
Business line of credit vs. business credit cards
A business line of credit can offer more funds and can be more difficult to obtain.
4 min read Jun 01, 2023 -
Small business credit cards vs. corporate credit cards: What’s best for your growing business?
Corporate credit cards have stiffer qualifying requirements than small-business cards.
4 min read May 30, 2023 -
The pros and cons of 0% APR credit cards
A 0 percent intro APR credit card offers more than savings in interest. Find out how.
6 min read May 29, 2023 -
Want a lower credit card interest rate? Just ask
Securing a lower interest rate may be as simple as asking your credit card issuer.
4 min read May 25, 2023 -
What happens when your 0% intro APR period ends?
A higher interest rate will kick in once your promotion ends.
5 min read May 24, 2023 -
How to get cash back from a credit card
There are many ways to redeem cash back rewards, such as a statement credit.
5 min read May 19, 2023 -
How to choose a cash back credit card
Choose a cash back card that aligns with your spending patterns
6 min read May 19, 2023
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When to apply for a credit card after bankruptcy
After a bankruptcy filing, the task of repairing your credit begins. But how soon can you apply for new credit?
4 min read Jan 19, 2022 -
How to help your kids build credit
Parents have many options, from debit cards and prepaid cards to secured credit cards and making their child an authorized user. Which is best?
8 min read Jan 14, 2022 -
What happens if you don’t use your credit card?
Here’s how you should be thinking about those unused credit cards in your wallet.
3 min read Jan 11, 2022 -
Is Kikoff a good way to build credit?
When he’s not making three-pointers, NBA star Stephen Curry wants to help you improve your credit score.
4 min read Oct 29, 2021 -
Changing the due date on your credit card bills
Balance your cash flow by reordering your credit card payment dates.
3 min read Oct 26, 2021 -
How to read your credit card statement
Breaking down your monthly credit card statement to help you interpret it with ease.
6 min read Oct 25, 2021 -
Walmart+ vs. Amazon Prime: Which shopping subscription service is better?
Both of these services offer very similar benefits and features, but which is best for you?
6 min read Oct 14, 2021 -
Want to pay almost any bill with a credit card? You need Plastiq
Plastiq helps you pay bills that you’d usually need to pay via check or bank transfer.
6 min read Aug 30, 2021