BACK

Credit Card Help

Your credit card personality: The Diva / Big spender

Summary

You work hard. You play hard. You like the best of everything. After a tough day at work, you'll tell yourself you deserve a treat, whether it's a new pair of shoes or the latest gadget on the shelf.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

By Erin Peterson

Your credit card personality: The Diva/Big Spender

Your traits: You work hard. You play hard. You like the best of everything. After a tough day at work, you’ll tell yourself you deserve a treat, whether it’s a new pair of shoes or the latest gadget on the shelf. Many of your purchases are impulse buys. Occasionally, this gets you into trouble when your purchases extend beyond your financial means.

You should consider: Look for cards that won’t cost you if you slip up occasionally, says Clarky Davis, the Debt Diva for CareOne Credit Counseling.

“Since these people tend not to be planners, they’ll want to find a card with low interest rates and no annual fees,” she says. That way, you’ll be less likely to get burned by high costs over the long term if you make the occasional bad buying decision.

You should avoid: You don’t need much incentive to spend — or overspend — so you may want to bypass rewards cards.

“Rewards cards can trick you psychologically into spending more than you otherwise would,” says Brent Kessel, author of “It’s Not About the Money.”

CREDIT CARD PERSONALITIES
Before choosing a credit card, know yours.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Credit Card Rate Report Updated: March 25th, 2020
Business
14.34%
Airline
16.33%
Cash Back
16.55%
Reward
16.49%
Student
16.51%

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.