Kelly Dilworth

I'm a former staff reporter at I began my career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. I returned to journalism in 2010 and since then have written about everything from 20-somethings with Herculean credit scores to the Federal Reserve's monetary policy decisions. I hold a degree in liberal arts from Sarah Lawrence College and live in Columbus, Ohio.

Posts by Kelly Dilworth

Credit card miscellany

How the Sapphire Reserve changed my mind about annual fee cards

When I first started covering credit cards, I was skeptical of annual fee cards. It seemed like a waste of money to spend $50 to $100 a year or more on another piece of plastic. Cards that charged three-figure annual…
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Living With Credit, Research, regulation, industry reports

My 6 rules of thumb for smart credit habits

If you’re having trouble controlling your credit card debt, periodic rule-of-thumb reminders for responsible credit use may help. That’s the finding of a new study published by the Urban Institute. These nudges “can be an effective and inexpensive way to…
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Fine Print, Protecting Yourself, Research, regulation, industry reports

Study: Issuers may tailor card offers to dupe some consumers

If the credit card offer you receive in the mail has more photos and less text – or the card’s fees are buried in fine print – it could be the issuer thinks you can be duped into signing up for a…
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Credit card miscellany, Rewards

6 questions to ask when choosing a rewards card

When applying for a rewards card, it pays to think carefully about how and when you’ll use it. A rewards card that sounds good on paper could wind up being a poor fit if you don’t take advantage of all…
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Credit card miscellany, Living With Credit, Research, regulation, industry reports

Generation Z embraces credit, rejects debt

Lenders who have been spooked by millennials’ tepid embrace of credit can maybe rest a bit easier: It looks as if members of Generation Z – the demographic group directly following the millennials – are more open to credit cards than…
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