Karen Haywood Queen

Karen Haywood Queen

Personal Finance Expert Contributor


Personal finance, cybersecurity, business, technology


  • Covers an array of personal finance topics for various publications
  • Author of “Meanest Mommy in the Universe,” a book about teaching children to save money
  • Holds a perfect credit score of 850


Karen Haywood Queen is a former personal finance contributor for CreditCards.com who has worked as a government and business reporter at The Chapel Hill Newspaper, The Salisbury Post and as a business reporter for the Associated Press.

Karen writes about debt and money management, debt collectors, identity theft, insurance, cybersecurity and estate planning for a variety of publications. She also writes about how artificial intelligence can help protect your identity and offer you better rewards.

“I have written personal accounts of mistakes that caused my credit score to briefly dip into the 600s (not my fault, I promise), how a quick call to my credit card issuer saved me $300, how I successfully resisted the siren call of convenience checks and how changing our travel dates for a Christmas vacation allowed us to spend two weeks in the Bahamas for less than the cost of one week (hint, don’t try to travel on the weekend before Christmas),” Karen says.

Karen’s book, “Meanest Mommy in the Universe,” will be published in May 2021. It focuses on raising independent children with a side benefit of saving money along the way. In recent years, Karen has become “hooked” on gaining the most rewards benefit from her credit cards. She says credit card companies should welcome her as a customer: as of this writing, her credit score is a perfect 850.

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Personal Quote

“I have always been passionate about saving money. My parents still remember me as a young teenager walking away from a street vendor, who chased me down to offer me a better price."

Education & Honors

  • Journalism and English degree, The University of North Carolina at Chapel Hill
  • Music education degree, Virginia Commonwealth University

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