CreditCards.com

Kelly Dilworth

I'm a former staff reporter at CreditCards.com. 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

Fine print, Living with credit, Protecting yourself

The hardest part of getting married? For many, it’s merging finances

Recently, my fiance and I opened our first joint bank account. It took more time — and was more emotionally charged — than I anticipated.

After spending more than an hour filling out forms and going over our options with a personal banker, we drove to a local eatery — which was my suggestion; he would have rather saved the cash and eaten in — and hashed out a blueprint for how we’ll manage our money.

By the time we left the restaurant, I was drained. We’re both planners, and so we had talked about these issues before. But this was harder. It was the real deal.

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Living with credit

When it comes to marriage, how much debt is too much?

Would you call off your wedding if you just found out your partner was deeply in debt? How about if he missed a couple of credit card payments and now has a black mark on his credit report?

It’s an uncomfortable question, and the answer you get depends on the person you ask — and the depth of the financial damage, according to a recent study by TD Ameritrade.

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Living with credit

If you’re uninsured, don’t get sick

A few years ago, I had a nagging pain that felt like a runner’s stitch on the right side of my stomach. It didn’t hurt much, but it wouldn’t go away. Feeling nauseous and tired, I decided to stop by an urgent care center after work just in case.

Several hours later, I was wheeled in to an operating room at my local hospital for emergency surgery. It turned out I had acute appendicitis and if I had waited any longer, I would have been doubling over in pain.

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Living with credit

Generation We: It’s just a myth, say researchers

Is my generation greedy? Ask cash-strapped millennials what their goals are in life and they’re unlikely to say that it’s lending a helping hand. Instead, they rather just help themselves.

At least, that’s according to a recent, well-publicized study published last month in the Journal of Personality and Social Psychology. Researchers found that millennials rate “being very well-off financially” as more important and are less likely than the generations that came before them to join the Peace Corps or participate in community council meetings.

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