Articles & Advice from Matt Schulz

Matt has been covering the personal finance space for a decade, mostly focusing on credit cards. He's been quoted in or appeared on Good Morning America, CBS Evening News, the Wall Street Journal, New York Times and hundreds of other media outlets around the U.S. and the world. He is also the founder of, a site devoted to improving childhood financial literacy in America. He is a graduate of the University of Texas and lives in Austin with his wife and son.

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Matt In The News

Generally speaking, when the Fed raises rates, you’ll see the interest rate on your credit card go up in the next billing cycle or two,” said Matt Schulz, chief industry analyst at


This is all about giving banks a bigger pond to fish in for customers.


People don’t realize what power they have to negotiate.


Credit freezes are the nuclear option when it comes to identity theft protection, because it completely locks down your credit report, even to you.

USA Today

Because of how tight their finances are, more women may need to rely on credit more often just to get by. It’s a troubling reality for many women today, and when you consider that this is happening in generally good economic times, it’s even scarier...


Some men are able to wrap up their holiday shopping early simply because they do less of it than their significant others... I'd suspect that many women carry more of the family burden when it comes to doing the holiday shopping, and it's much easier to buy two or three gifts early than it is to buy 12.


Gas stations are the lowest-hanging fruit for bad guys when it comes to skimming.


One huge driver of this phenomenon is the fact that gas station pumps don’t need to be converted to accept EMV cards until October 2020.


Credit card issuers are very focused on appealing to affluent millennials right now. AmEx for a long time was the king of the hill when it comes to upscale credit cards. But that crown has been taken by Chase over the last couple of years, and that space is very competitive.