Laura Mohammad

Laura Mohammad

Laura Mohammad is a former web editor for CreditCards.com who now is a writer and editor for the marketing team. A second-generation wordsmith, Mohammad fell in love with The Craft in fifth grade while taking edits from her father in her native town of Tallahassee, Florida. After receiving her degree in English with honors from Florida State University, Mohammad went on to manage business and general news desks of daily newspapers in Florida. She broke into the online content field writing and editing about human resources, geopolitics, personal finance and investing. She shares her Austin home with her University of Texas professor husband, their two teenage boys, and a scoundrel collie named Cuervo.

Laura Mohammad's stories on CreditCards.com

What Students Need to Know About Credit Cards -- Updated: November 11, 2017 If you have never had a credit card, it can be a daunting experience. The idea of a revolving loan can give ... (more)

Taking out a Credit Card and Other Tips for Building Credit -- Updated: November 11, 2017 OK, so your credit isn’t its best. Maybe you don’t have much experience with paying bills, or perhaps you’ve had a couple of ... (more)

Compare No Annual Fee Credit Card Offers -- Updated: November 11, 2017 Featured No Annual Fee Credit Cards: November 2017 Chase Freedom Unlimited® Bank of America® Cash Rewards Credit Card Discover it® Cashback Match™ Chase Freedom® Citi ThankYou® Preferred ... (more)

Compare 0 Percent APR Credit Card Deals -- Updated: September 30, 2017 Card 0% Purchase APR Period Annual Fee Regular APR Discover it® Cashback Match™ 14 months $0 11.99% - 23.99% Variable Chase ... (more)

Compare Balance Transfer Credit Card Offers -- Updated: September 30, 2017 Card 0% Intro BT APR Period Balance Transfer Fee Our Savings Estimate Regular APR Citi® Diamond Preferred® Card 21 months 3.00% ... (more)

Compare Cash Back Credit Card Offers -- Updated: October 2, 2017 Card Welcome Bonus Bonus Requirement Rewards Rate Chase Freedom Unlimited® $150 Bonus Spend $500 on purchases in your first 3 months ... (more)

How to choose a low-interest credit card -- Updated: November 11, 2017 Low interest cards can help you pay down your debt or reduce interest paid on large purchases paid off over several months. It ... (more)

Compare Credit Card Offers for Excellent Credit -- Updated: November 11, 2017 Credit Cards for Excellent Credit: November 2017 Capital One® VentureOne® Rewards Credit Card Bank of America® Cash Rewards Credit Card Chase Sapphire Preferred® Card Capital One® ... (more)

Compare Business Credit Card Offers -- Updated: November 11, 2017 EIN. DUNS. Paydex. The world of business credit can seem overwhelming. But with some front-end work, you can land a great business ... (more)

Compare Rewards Credit Card Offers -- Updated: November 11, 2017 Rewards Credit Cards for November 2017 Capital One® VentureOne® Rewards Credit Card - 20,000 Miles Bonus Capital One® Venture® Rewards Credit Card - 50,000 ... (See Rewards)

Compare Travel Credit Card Offers -- Updated: November 16, 2017 Our Featured Travel and Airline Credit Cards - November 2017 Capital One® Venture® Rewards Credit Card - 50,000 Bonus Miles Capital One® VentureOne® Rewards ... (more)

10 Top Credit Card Offers From Our Partners -- Updated: November 16, 2017 Our 16 Best Credit Cards From Our Partners for November 2017 Chase Sapphire Preferred® Card - Travel Rewards Chase Freedom® Unlimited - No Annual ... (more)

Compare Credit Card Offers With No Foreign Transaction Fee -- Updated: November 11, 2017 Featured International Credit Cards with No Foreign Transaction Fee: November 2017 Capital One® VentureOne® Rewards Credit Card Bank of America® Travel Rewards Credit Card Capital ... (more)

Survey: Employees less likely to borrow on cards for necessities -- A fifth of employees have to borrow on their credit cards to pay for monthly necessities, a study by PwC shows, but overall, workers' financial wellness is improving ... (See Employees' financial wellness)

What ID thieves do with the financial data they steal -- High-tech hackers get all the headlines, but an analysis of identity theft claims data by Travelers show the most common way stolen data gets used is a low-tech one: Thieves snatch a card, then go out and use it ... (See Use of stolen card data)

ABA study: Card delinquency stays low -- Despite an uptick at the end of 2014, delinquencies for credit cards issued by banks remained well below the 15-year average, American Bankers Association research shows ... (See Card delinquency)

Banks become more generous with card credit limits -- Credit card issuers are showing their confidence in consumers and the economy by boosting the number of card offers and the size of their credit limits, says a banking trade group report ... (See Credit limits increase)

Consumers trust their own bank to safeguard personal info -- Americans trust their banks the most and social networking the least to keep their personal information secure, a Gallup poll finds ... (See Information security)

Banks still rely on branches to start accounts -- While banks long ago embraced online banking transactions, they still rely on branches to originate most types of accounts, research by Celent finds ... (See Online financial products)

Poll: Wealthy prefer cash-back rewards on their cards -- Three out of five wealthy Americans prefer cash-back rewards, choosing them over free hotel stays, concierge services and even frequent flier miles ... (See Cash back)

44% of Americans mistakenly say credit score, credit report are the same -- Almost half of Americans believe a credit score and a credit report are basically the same thing, just different terms, a survey from American Bankers Association shows ... (See Credit score)

Card borrowing lags while student, auto loans soar -- Consumers are borrowing more to finance cards and college degrees, while credit card borrowing is stuck at 2003 levels, a Federal Reserve Bank of New York report shows ... (See Borrowing)

Holiday buying 2014: more savings and gift cards, less credit -- Fewer Americans plan to holiday shop with credit cards in 2014, while more have set aside money or will use gift cards for their purchases, an Accenture study finds ... (See Holiday buying 2014)

Poll: If given $1,000 in miles or cash back, most would splurge, not save -- At least 83 percent of Americans said they would splurge in some fashion if they received $1,000 in travel miles or credit card cash rewards, a poll from Capital One found ... (See Rewards splurge)

Study: Online accounts often go unchecked for fraud -- Americans regularly check their bank account and credit card statements for suspicious activity, but less than a third check various online accounts at least once a month, a study by credit bureau Experian finds ... (more)

Use of reloadable cards surging among millennials -- Ownership of of general-purpose, reloadable cards climbed 11 percent from 2011 to 2013 among younger adults, a study by the Federal Reserve Bank of Philadelphia finds ... (See Millennials and prepaid cards)

Study: More young consumers with good credit have cards -- A widening divide is developing among young consumers, as those with good credit are increasingly taking on credit cards, while those with bad credit are taking on less, according to a TransUnion study ... (See Young consumers)

Study: Rewards cards have taken over the market -- Rewards cards increasingly dominate the credit card market, a study by the American Bankers Association shows ... (See Rewards cards)

Student loans up 84 percent, while other loans drop -- While the dollar amounts of mortgages and credit cards have dropped since 2008, student loans have climbed, an Experian study has found ... (See Student loans)

Study: 7 percent of employees have wages garnished -- About 7 percent of workers had wages garnished in 2013, and workers age 35-44 are most likely to endure that stressful and sometimes humiliating fate ... (See Wage garnishment study)

Where do we bank? Wherever we want, says poll -- A smaller percentage of consumers prefer Internet banking in 2014 compared to the previous year ... (See Banking preferences poll)

Cardholder delinquency at lowest level in at least 7 years -- Just 1.16 percent of American cardholders were 90 days delinquent, according to quarterly data from the credit bureau TransUnion ... (See Delinquent cardholders)

Big buys go on our credit cards, little ones on prepaid cards -- We are more likely to use credit cards for bigger charges, and prepaid cards for smaller purchases, according to a 2013 report by the Federal Reserve System ... (See Card charges)

Customers with overdraft protection pay quadruple in fees -- People who opt for overdraft protection on their debit transactions pay a lot more in total fees than other checking account users ... (See Overdraft protection fees)

Americans' choice in noncash payment has become debit cards -- Americans are increasingly opting for electronic payments and debit cards, a study by the Federal Reserve System shows ... (See Noncash payments)

Poll: Americans say they are careful with money -- While Americans say they are careful with their money, they are also saying they have bought more at the store than they meant to ... (See Saving money)

Fewer Americans are delinquent on their bank cards -- Consumers' bank card delinquencies, already at historically low levels, dropped further in the first quarter of 2014. The American Bankers Association says it's a sign that more people are using cards as transaction tools instead of debt instruments ... (See Card delinquencies)

Debt reduction consumes millennials' budgets -- Almost 60 percent of millennials' income goes to paying off various types of debt, a study conducted for Wells Fargo shows. ... (See Millennials' budgets)

Biggest financial worries differ for millennials, boomers -- Almost a third of millennials said in a Wells Fargo poll that student loans were their biggest financial worry, while retirement was the biggest concern of baby boomers ... (See Boomers, millennials money worries)

Married women find financial responsibility attractive -- Married women consider financial responsibility sexier than men do, an Experian poll finds. ... (See Marriage and credit)

Invaders of personal space cause biggest travel headache -- Invasion of personal space tops the list of headache-causing habits of travelers, according to a Capital One survey of 1,000 rewards cardsholders ... (See Annoying travelers)

Poll: Millennials know less than others about credit scores -- The 35-and-younger crowd knows less about credit scores than other American adults, a survey from the Consumer Federation of America and VantageScore Solutions shows ... (See Millennials and credit scores)

Survey: Lack of education goes with credit card debt -- Households without credit card debt tend to be more educated than those with credit card debt, according to a study by public policy organization Demos ... (See Education and card debt)

Americans rely less on credit cards, says Gallup survey -- Almost a third of Americans don't have a credit card, the most since Gallup began conducting surveys on the issue in 2001 ... (See Rely less on credit cards)

Poll: Americans say they'd rather save than spend -- An April 2014 Gallup poll shows that Americans state they would rather save than spend, a desire that has increased for the third year. ... (See Save vs. spend poll )

Bankers predict an increase in credit-line requests -- A poll of risk managers at banks in the United States and Canada shows most believe credit-line increase requests will rise in 2014 ... (See Credit line survey)

Debt near the bottom of parents' financial concerns -- America's parents worry more about setting a good financial example for their kids than taking on too much debt, T. Rowe Price's 6th annual 'Parents, Kids and Money' survey shows ... (See Parents, kids and money survey)

Survey: Bad financial habits creeping back -- A U.S. poll shows that fewer adults have a budget and more adults are increasing their spending. ... (See Fewer budget, more spending)

Business card use rises in 2013 -- Small-business owners reported increased card use in 2013, according to a National Small Business Association study ... (See Business card use)

What financial advice do millennials say they need? -- Millennials are confident about their financial knowledge, but they want advice about savings, budgeting and credit cards in particular ... (See Millennials and financial advice)

Card fees, not interest, dominate revenue -- Credit card fees, and not interest, continued to dominate card issuers' revenue in 2013. ... (See Card fees)

Personal finance tops dreaded talks -- Wells Fargo poll shows that people hate talking about personal finances more than death, politics or religion. ... (See Personal finance)

Poll: Who Americans blame for data breaches -- As data breaches mount and put personal information at risk, a poll finds most Americans lay the blame on laxness by retailers ... (See Data breach blame)




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Updated: 11-17-2017