Articles by Kali Hawlk

Kali is a writer and marketing manager who covers personal finances as it relates to young adults and frugality. Her content has been featured in Business Insider, Huffington Post, Trulia, and other notable financial outlets. Education: B.A. in History from Kennesaw State University.

Why Is My Credit Score Low? Having a low credit score can impact you in many different ways. But why is your credit score low in the first place? Learn all the reasons you might have a low score. What Is Chip and PIN Authentication? Photo of Kali Hawlk Kali Hawlk What Is Chip and PIN Authentication? In Europe, chip-and-PIN credit cards are the standard -- for roughly 10 years... How to Prevent Credit Card Fraud Photo of Kali Hawlk Kali Hawlk How to Prevent Credit Card Fraud It’s often said prevention is the best medicine. When it comes to your financial... What Is a Reason Code (and How Does it Impact Your Credit Score)? Want to know why your credit score is what it is? This code is your key to finding out. How Long Does It Take to Pay Off a Credit Card? Credit cards can be useful tools. But if those credit cards turn into credit card debt, they can be difficult to pay off. Make sure you have a plan in place. What Happens If I Can't Pay My Credit Card Bill Photo of Kali Hawlk Kali Hawlk What Happens If I Can't Pay My Credit Card Bill There’s nothing scarier than getting hit with a bill so high you don’t think you... How to Build a Good Credit Score with a Credit Card Photo of Kali Hawlk Kali Hawlk How to Build a Good Credit Score with a Credit Card Talking about credit cards often leads to warnings about an easy slide into debt.... What Is a Credit Utilization Ratio? If you’ve been looking at your credit report, you’ve probably seen the term credit utilization ratio. Here’s what it is and how it can impact your credit score.