CreditCards.com

Matt Schulz

CreditCards.com Senior Industry Analyst Matt Schulz has spent much of the last decade helping people make smart decisions about their money, especially credit cards. A keen observer of the payments and credit card industry, he has been quoted in or had his work appear in major media outlets such as NBCNews.com, MarketWatch, U.S. News and World Report and Huffington Post. Matt is also a frequent speaker at industry conferences.

This is Matt's second stint with CreditCards.com, having previously served as Managing Editor from 2008 to 2012. He has also led online editorial teams for an investing education website, as well as two local TV stations and a newspaper in Austin, Texas.

Matt earned a bachelor's degree in journalism from the University of Texas at Austin. When he's not working, he's obsessing over Texas Longhorn football, searching for a new restaurant to visit on his next date night with his wife and spending as much time as possible with his awesome little boy.

Posts by Matt Schulz

Fine print, Living with credit, Protecting yourself, Research, regulation, industry reports

Card APRs will rise quickly after Fed rate hike

How quickly will they hit you? Once the Fed acts, your card agreement spells it out, and there are variations between banks. Some will act superfast, others will grant customers a brief reprieve.
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Protecting yourself

How to get a credit card late payment fee waived in 4 easy steps

It was all my fault, and I felt awful about it. Worse yet, I was stuck with it, unless I got a break.


I’m talking about a $25 late payment penalty fee on a department store credit card that I opened within the last few months. As so many people have, I signed up for the card at the checkout counter, largely for the discount, and didn’t really concern myself with the interest rate. But I would pay it all off in a big hurry, so I didn’t have much to worry about – or so I thought.


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Fine print, Protecting yourself, Rewards

6 credit card truths I learned from playing fantasy football

Some of the skills that help you win your fantasy league can also help you make a smart decision with your credit card.



Here are six things about picking a credit card that I learned from playing fantasy football:


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Research, regulation, industry reports

20 surprising facts about how Americans pay for things

Americans use this form of payment six times more than they did in 2000. Click through to learn what it is — and find 19 other eye-catching numbers.
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Living with credit, Protecting yourself, Research, regulation, industry reports

Why banks stop your purchases (and what you can do about it)

Like it or not, your credit card company is watching what you buy, where you buy it and just how much you spend on it.


One of the big reasons for this: sniffing out fraud.



In the wake of huge headline-grabbing breaches at Target, Michael’s and other retailers, banks are constantly on the lookout for purchases that might seem strange or out of character for a particular credit card holder. Oftentimes, they’ll call or text a cardholder if something looks unusual. They’ll even decline a purchase if it seems iffy.



But what exactly makes a purchase look sketchy?



Don’t know? Don’t feel bad. According to the latest CreditCards.com survey, many of your fellow cardholders don’t either.


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