Why Lower-Income Americans Use Credit Cards to Build Credit
How much you make may determine how you use your credit cards. According to a study by Credit One Bank, 37% of surveyed consumers earning $50,000... read more »
Lucy Lazarony is a veteran financial journalist with nearly 30 years of experience covering credit, credit cards, and consumer finance. Widely recognized for her ability to demystify complex financial topics, Lucy has established herself as a trusted authority in the credit space.
She previously served for seven years as a staff writer at Bankrate.com, where she contributed in-depth reporting, trend analysis, and consumer-focused guidance on credit cards and lending products. Her work has since appeared in top-tier publications, including Investopedia, Next Avenue, the National Endowment for Financial Education (NEFE), and Credit.com, reinforcing her reputation as a leading voice in personal finance journalism.
Lucy holds a bachelor’s degree in journalism from the University of Florida, where she developed the investigative and reporting skills that continue to shape her career. Her excellence in storytelling has been recognized by the Florida Press Club, earning awards for Education Reporting (2016) and Arts News Reporting (2015).
Across her career, Lucy has helped millions of readers make informed financial decisions, offering clarity on credit scoring, responsible credit card use, debt management, and consumer rights. Her work remains a cornerstone resource for individuals seeking transparent, accurate, and actionable financial information.
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How much you make may determine how you use your credit cards. According to a study by Credit One Bank, 37% of surveyed consumers earning $50,000... read more »
By: Lucy Lazarony • 7/2/26
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525 views
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Social Security benefits could be cut by 22% in 2032 unless Congress steps in with legislation to keep the program fully funded. The Old Age and... read more »
By: Lucy Lazarony • 6/30/26
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New auto loans do not always show up on credit reports right away. And thieves count on that window. Before a lender reports the debt to the... read more »
By: Lucy Lazarony • 6/29/26
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2,108 views
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Major banks are responding to the popularity of Buy Now, Pay Later shopping with credit cards and even a debit card that allows shoppers to pay... read more »
By: Lucy Lazarony • 6/25/26
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3,401 views
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Not everyone who applies for a rental application is on the up and up. Here are the top indicators for fraud risk on rental applications from... read more »
By: Lucy Lazarony • 6/24/26
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That trusted source — an email alert from your bank about a security breach, a caller impersonating a family member in trouble — can’t be trusted... read more »
By: Lucy Lazarony • 6/23/26
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Gen Z is not afraid to turn to AI for help. According to a study by Credit One Bank, 32% of Gen Zers say they have used AI tools such as ChatGPT,... read more »
By: Lucy Lazarony • 6/22/26
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Americans are stressed about their finances. The forces of economic volatility and inflation are putting a squeeze on household budgets. And many... read more »
By: Lucy Lazarony • 6/18/26