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Been turned down for a credit card? You're not alone: With rising delinquencies and a $1.18 trillion debt load, issuers have tightened underwriting standards and, in late 2025, about one in five ...

Paul Soucy has led the Credit Cards content team at NerdWallet since 2015 and the Travel Rewards team since 2023; he is also director of content for Consumer Credit verticals. He was an editor with ...

Harlan Vaughn was formerly a credit cards editor for Forbes Advisor with over a decade of experience. With a deep understanding of the credit card industry, his passion for travel strategies drives ...

Robin has worked as a credit cards, editor and spokesperson for over a decade. Prior to Forbes Advisor, she also covered credit cards and related content for other national web publications including ...

Erin is a former writer and assigning editor on the NerdWallet Content team who now heads NerdWallet's travel business. She's a credit card and travel rewards expert at NerdWallet, based in Baltimore, ...