Kelly Dilworth

Kelly Dilworth

Kelly Dilworth is a former staff reporter at CreditCards.com. She began her career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. She returned to journalism in 2010 and since then has written about everything from 20-somethings with Herculean credit scores to the Federal Reserve's monetary policy decisions. Kelly holds a degree in liberal arts from Sarah Lawrence College and lives in Austin, TX. ...

Full Bio


Qualifying for a new loan is about to get easier for the millions of Chinese computer users who don't yet have a credit card, but regularly go online to shop, pay bills and invest their personal savings.
Millennials are thumbing their noses at credit cards and traditional banking services, according to multiple reports, and that's making some people in the financial services industry nervous about how they're going to attract such a picky crowd.
The next time you reward your kids for good behavior, you might want to hold off on showering them with toys. According to a forthcoming study in the Journal of Consumer Research, kids who are frequently given material objects in exchange for doing well are more likely to grow up to be materialistic adults.
It's been more than six weeks since my husband and I had a baby. But we still have no idea how much we owe for medical expenses from our recent hospital stay.
Ever since we learned we were having a baby last spring, my husband and I have been obsessed with saving money. I'd always imagined enrolling my kids in the same kinds of summer and after-school enrichment programs I enjoyed growing up. But now that our son is here, I'm beginning to realize my own kids may not be so lucky.
For more than a year now, I've been living with constant calls from debt collectors, but the calls are for a man named William. No matter how many times I tell the callers they've got the wrong number, they keep calling back. And now I'm getting robocalls, with no chance of talking to a live person to explain that I'm not William.
As the end of the year approaches, you may be trying to ramp up your charitable donations. Before you give away your hard-earned cash, think twice about where it's going. You may be able to reap more satisfaction from your giving - and maximize your charitable contributions - if you think more strategically about where and how you give.
A low credit score isn't just bad for your wallet. It also signals a higher risk of heart disease, says a new study.
As the holiday season gets closer, you may notice a growing number of stores trying to tug at your heartstrings -- and your wallet -- by advertising charitable donations alongside traditional holiday promotions.
According to the parenting website, BabyCenter.com, many new moms are bluffing about their financial circumstances on the Web and posting pictures, status updates and videos that make them seem wealthier than they actually are
The next time you go shopping, you may want to skip lunch. A new study published Oct. 23 by Plos One found that people who are moderately hungry tend to make smarter choices with their cash.
A striking number of renters are confused about what's included in their credit reports, according to a new study from the credit bureau TransUnion.
Refinancing your student loan could potentially save you a bundle on interest. But lenders' requirements are so stringent that most borrowers are unlikely to qualify for the best deals.
If Apple Pay and similar mobile payment systems catch on with enough people, it will help undermine the data broker industry, which has been collecting and selling people's purchase histories for years. It may also help attract more privacy and security-conscious cardholders to mobile payments, which have struggled to gain traction with consumers.
U.S. households are more bullish about their personal finances than they've been since 2009, according to a survey released Sept. 29 by Absolute Strategy Research. But a striking number of Americans are still skeptical that the "American Dream" remains intact and that the next generation will be substantially better off.
A substantial number of young people are bucking tradition and putting off marriage until they feel more financially secure, according to a new study from the Pew Research Center.
If you're struggling to build or rebuild your credit, you may want to look into obtaining a small dollar loan from a nonprofit lender.
More than five years have passed since the Great Recession formally ended in June 2009. But for many Generation Xers, it's still not over.
When a family member told me they're skipping college in order to avoid the extra debt, I couldn't bring myself to tell them that they're making a huge mistake. A lifetime of low earnings makes it tough to get by. But so does crushing debt. Here's what the numbers from new studies say.
Soon after my husband and I found out we were expecting, I drew up a list of "must-have" baby items -- ranging from a car seat and stroller to baby sunscreen. At the time, I thought I was being selective. But when I added everything up, I was shocked: It would cost us nearly $2,000 to purchase the items on my list -- and I hadn't even included diapers and baby clothes, apart from a few basics.
I'm turning 30 in a few weeks and, according to some personal finance experts, I've only completed a fraction of the financial moves I'm supposed to have made by now.
Lenders, potential employers or landlords aren't the only one clamoring for access to your personal credit history. Some health care providers use it to decide whether or not patients can afford costly medical treatment. And even the federal health insurance marketplace, HealthCare.gov, uses it to verify applicants' identities.
The Consumer Financial Protection Bureau (CFPB) is taking a fresh look at costly overdraft fees and is considering imposing new rules on the controversial practice.
If you're struggling to curb your urge to splurge, you may want to keep better track of your recent purchases. A forthcoming study in the Journal of Consumer Research found that impulsive spenders tend to conveniently 'forget' just how much they spent the last time they indulged.
If you're trying to decide whether or not to buy something, you could have a harder time passing it up if it reminds you of a happy moment from your past. According to a new study forthcoming in the Journal of Consumer Research, feeling nostalgic may cause some people to spend more than they would otherwise.
In many states across the country, infant child care is more expensive than a year of tuition at a four-year public university. But unlike college students, most parents don't have access to low-interest loans for day care.
If you're already carrying a hefty amount of student loan, mortgage or credit card debt, you may have a tough time convincing your lender you deserve another loan. A new survey from the Professional Risk Managers International Association and FICO found that the majority of bank risk professionals cite high debt-to-income ratios (which compare how much debt you owe to how much money you take in) as their biggest source of worry when deciding whether to approve a new loan.
New research suggests that credit card minimum payment warnings could be prompting some consumers to pay less than they would otherwise.
College debt weighs so heavily on the millennial generation that a college-educated 30-year old is now less likely to own a home than a 30-year-old with no student debt. That was part of the testimony at a U.S. Senate hearing this week, aptly titled "Dreams Deferred."

About

They're the pieces of plastic we love, and love to hate. Get the latest news, tips, research and more from the CreditCards.com staff.

Archives

Other Voices and Blogs

Useful Links

Subscribe to Taking Charge