Sabrina Karl

Sabrina Karl

Sabrina Karl loves telling – and especially showing – stories that are conveyed with numbers. Whether it’s data on the nation’s credit card debt or the financial struggles faced by seniors, millennials, or anyone in between, Karl combines an analytical mindset with serious Excel chops and a dash of graphic design to create infographic stories for CreditCards.com, as well as for Bankrate.com and Interest.com.

Sabrina Karl's stories for CreditCards.com

ID thieves covet SSNs over credit card data -- Social Security number breaches are outnumbering credit card data breaches 4 to 1 ... (See ID thieves go for the SSNs )

Poll shows people use their credit cards for everyday needs -- Using cards for to earn rewards and as an emergency cushion are also common ... (See Card use poll)

Wallets get thinner as U.S. consumers avoid cash -- With mobile apps gaining traction as an accepted way to pay bills and other people, cash is taking up residence in fewer and fewer wallets. ... (See Cashless survey)

Infographic: Millennials' falling financial chops -- Money smarts fall among young adults, survey shows ... (See Money smarts )

Card debt a persistent obstacle to retirement savings -- After paying off the monthly bills, credit card debt is the biggest reason Americans don't save for retirement ... (See Retirement obstacle)

Chip cards bring new fraud trends -- The advent of EMV chips has curtailed fraud from lost and stolen cards, but online fraud continues to rise ... (See Fraud)

Millennials most likely to monitor credit scores, plan to improve them -- The younger generation is more active in keeping tabs on this important financial barometer ... (See Score)

Merchants say mobile wallets coming but won't cut fraud -- Most retailers and e-tailers believe mobile wallets will be widely adopted in the next five years, but only about a third think mobile payments will cut fraud ... (See Mobile wallet)

Infographic: We may pay with finger, face, eye or voice in 2027 -- A survey found that 80 percent of respondents support payment technologies such as fingerprint sensing, facial recognition and retinal scanning ... (See Payments)

Breaking the budget to go on vacation -- Millennials most likely to take on debt for a summer experience ... (See Vacation)

Infographic: How many households have at least one card? -- Your annual income and education level may indicate the chances of whether or not your household has a credit card ... (See Cards)

Infographic: In divorce, women's credit suffers more -- More than half of recently divorced women said their credit score tanked during marriage, compared to just 42 percent for men ... (See Divorce)

Gen Z getting a head start using credit cards -- Almost a fifth of teens 13-17 are authorized users on an adult's card, a TransUnion study finds ... (See Gen Z)

Infographic: Online shopping is in and stores are out -- Online and mobile shopping continue to grow. Nearly 80 percent of those surveyed said free delivery will sway them to purchase an item online instead of in a store. ... (See Shopping)

Infographic: Who uses digital wallets, and for what -- For now, they're the province of young urbanites with high incomes ... (See Digital wallets)

Infographic: How small-business owners use business credit cards -- About half of U.S. small-business owners have a business credit card, and the leading expense on those cards is office supplies. ... (See Small businesses)

Infographic: Higher fraud numbers can mislead -- Card-not-present fraud increasing in dollar amounts but not necessarily in quantity of fraud instances ... (See Fraud)

Infographic: Employees increasingly off the hook for travel card expenses -- Employers today rarely put responsibility on employees for travel card expenses ... (See Travel cards)

Infographic: Card market continues climb but subprime still in hole -- Americans now have more cards open than at the end of 2008 ... (See Card market)

Young consumers most cautious about online payments -- A survey shows that showing that young consumers are the most cautious when paying for their purchases ... (See Cautious)

Digital wallets: Merchants to pave the way for consumer acceptance -- Despite security concerns, more Americans are willing to use digital wallets, if merchants oblige ... (See Digital wallets)

Infographic: Debit, credit cards still killing off checks -- The Fed’s 2015 shows checks account for only 12 percent of U.S. noncash transactions compared to 16 percent in 2012 ... (See Cash and checks)

Infographic: The growing ways we e-pay -- More and more Americans are discovering how handy e-payments can be ... (See E-payments grow)

Overdue card debt sinks to a decade low -- We owe more, but handle cards better, says the quarterly New York Fed report on household debt ... (See Household)

Infographic: Identity fraud victims at record high -- A report has found that the number of U.S. identity fraud victims increased 17.6 percent, from 13.1 million Americans in 2015 to 15.4 million in 2016 ... (See ID theft report)

Percentage of credit cards with balances rises -- 'Revolvers' increase to a 4-year high ... (See Revolvers)

Infographic: Plastic finally overtakes cash -- Money spent on debit and credit cards around the world totaled more than the money paid in cash ... (See Cards overtake cash)

Card resolutions abound for 2017 -- Paying credit card debt weighs on many Americans' minds ... (See Resolutions)

Online fraud surges after EMV chip cards hit the US -- Crooks switch to where cards are still vulnerable ... (See Online fraud)

Millennials strongly prefer cards -- Except for when they’re directly paying another person, millennials are overwhelmingly choosing a debit or credit card ... (See Millennials)

Card delinquency hits 15-year low -- It's another sign of U.S. consumers' improving finances ... (See Delinquency)

Smartphones shift holiday gift-buying to the bedroom, bathroom -- Millennials most likely to holiday shop while prone or on the throne, survey finds ... (See Smartphone shopping)

Millennials boosting retail 'un-gift' card sales -- Millennials are driving significant growth in retailer-specific gift cards, but they're ignoring the gifting part and using the cards themselves ... (See Un-gift cards)

New card accounts rise to near pre-recession levels -- Number of new accounts at 85 million, up 11 percent in the past year ... (See Accounts rise)

Small-business owners are more credit savvy than consumers -- Small-business owners beat consumers in managing credit ... (See Business )

Infographic: 'Us' cards versus 'me' cards -- In a new survey, 47 percent of Americans reported sharing all of their credit cards, while 37 percent indicated they only have separate cards ... (See Sharing cards)

Infographic: What's most financially important when -- A new survey shows that for 3 in 10 millennials, putting money into savings is their top financial concern ... (See Millennial savings)

Credit card debt down across the board -- Regardless of age, education or income, we dropped debt ... (See Debt down)

Infographic: Credit card use among the college set -- Two-thirds of college students have a credit card, and most are using their cards regularly, according to data from Equifax ... (See College cards)

Infographic: Most Americans OK with going cashless -- Millennials are cool with leaving the house sans bills or coins, a Gallup Poll says ... (See Cashless)

Security concerns keep consumers away from mobile payments -- Older consumers site security concerns, privacy and lack of necessity as reason they don't use mobile payments ... (See Mobile payment concerns)

Satisfaction rises for most cardholders -- Discover comes out on top in J.D. Power's annual satisfaction survey ... (See Satisfaction)

We'll reach chip card saturation in 2020 -- Mercator Advisory Group forecasts that EMV chip card penetration will hit 95 percent by 2017, and 100 percent three years later ... (See Chip card saturation)

Credit card ownership lags for those with low scores -- Credit card ownership is rebounding, but remains far behind levels seen before the recession, and consumers with bad credit are the ones doing without plastic ... (See Ownership)

New card accounts continue to rise sharply -- Subprime cards are up 160 percent in the past five years ... (See New card accounts)

Infographic: The face of senior card debt -- Medical bills take up most of the debt of the seinor citizen community, while credit card debt is a close second ... (See Senior debt)

Positive card habits up, negative ones down -- Americans pay their credit card bills in full more often, and avoid costly behavior, a six-year survey series finds ... (See Card behavior)

Infographic: Credit card love from older millennials -- Millennials do, too, like credit cards, research shows. In fact, older millennials covet them more than any other age group ... (See Millennials)

Infographic: Card delinquencies hold near record lows -- At 2.47 percent, late payers are half the number they were during the recession ... (See Delinquency)

Generations differ on spending extra money -- Millennials go for entertainment with discretionary dollars, Generation X pays off debt and boomers sock it into savings, new research says ... (See Spending extra dollars )

Many prefer debit for everyday buys, credit for the big ones -- For many, debit cards lead credit cards as a primary payment method, a TD Bank survey finds. But for big-ticket items, nearly all groups prefer credit cards ... (See Debit versus credit)

Infographic: Cards gain ground as payment method -- Fewer Americans are using paper-based payments in 2016, while almost all plastic and electronic forms are on the rise ... (See Payments)

Infographic: The financially happy now outnumber the unhappy -- For the first time since before the Great Recession, the majority of Americans feel cheerful about their finances ... (See Financially happy)

Infographic: Mobile payments quickly rising -- Smartphone payments are gaining traction among consumers -- and quickly ... (See Mobile payments rising)

Infographic: 2016 sees card debt, delinquency uptick -- Though the number of people who fail to pay debt is not as high as it was in the Great Recession, it has started to increase in 2016 ... (See Delinquency rates)

Infographic: Female college students edge males in credit smarts -- Female students do a bit better in handling credit, says a Sallie Mae study ... (See College student credit smarts)

Infographic: How generations view financially 'making it' -- Views across generations of what "making it" financially means to them ... (See Generation finances)

Infographic: Spigot held tight on subprime credit -- Credit limits for subprime consumers are down from a year ago ... (See Subprime credit)

Tax refunds: Urges to save it, spend it clash -- Study shows that most who spend it on needed items or paying down debt feel better rather than those who saved it ... (See Tax refund)

Women edging men in the battle of credit smarts -- A new study found that despite the fact that women have more credit cards open then men, they rack up less debt ... (See Gender and credit)

Married, single people differ in views on relationships, money -- Everyone cares about money, but married people tend to see more financial red flags, a new survey finds ... (See Money and relationships)

Infographic: Millennial money perspectives -- Millennials want to avoid debt and they attribute debt with credit cards according to a new study ... (See Graphic: millennials)

Infographic: Average card balances by age 2003-2015 -- Seniors have more credit card debt, other age groups less ... (See Card debt by age)

Infographic: The life cycle of a credit card -- A Boston Federal Reserve study shows how credit card debts and credit limits rise and then fall over the course of the average consumer's lifetime ... (See Life cycle of a credit card)

Infographic: The demise of over-limit fees -- Credit card customers unanimously opt out of once-common fee ... (See Over-limit fee)

Infographic: Life is financially fragile for millennials -- Young adults tend to carry credit card balances, fret about repaying student loans and don't have an emergency fund ... (See Financial literacy and millennials)

Infographic: Bad financial habits Americans most want to break -- Saving more and paying down credit card debt are among the more popular New Year's resolutions of 2016 ... (See 2016 money resolutions)

Financial goals report card: Maybe a C+ -- A Capital One survey finds mixed results among those who set money goals for 2015. Some did well, others failed completely ... (See Financial goals report card)

Forecast: Card delinquency, debt levels to remain healthy -- According to the credit bureau TransUnion's forecast, credit card consumers will continue behaving 'extremely well' ... (See Debt, delinquency forecast)

Number of new cards soars, but credit limits tight -- An American Bankers Association survey finds subprime borrowers regaining access to credit, but not to a lot of it ... (See New accounts soar)

4 in 10 Americans see credit cards as their emergency fund -- About 49 percent say they'd use credit cards to pay at least part of a surprise $2,000 emergency expense, according to a Pew survey ... (See Emergency fund)


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Updated: 09-22-2017



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