author

Ben Gran

Financial Writer

Ben Gran is a personal finance writer with years of experience in banking, investing and financial services. A graduate of Rice University, Ben has written financial education content for Business Insider, The Motley Fool, Forbes Advisor, Prudential, Lending Tree, fintech companies, and regional banks like First Horizon.

Authorized Users Are Not on the Hook for Unpaid Credit Card Debt
Authorized Users Are Not on the Hook for Unpaid Credit Card Debt

March 24, 2026

Authorized users aren’t on the hook if the account holder dies or defaults. Don’t fall for debt collectors’ scare tactics.

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Why Do People Overspend?
Why Do People Overspend?

July 31, 2026

Overspending could be your brain chasing rewards. Learn how to retrain it to spend smarter.

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Why Does Higher Credit Utilization Decrease Your Credit Score?
Why Does Higher Credit Utilization Decrease Your Credit Score?

April 1, 2026

Maxing-out credit cards? Higher credit utilization could lower your credit score. See if you might need debt relief.

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Does Paying the Minimum Payment Hurt Your Credit Score?
Does Paying the Minimum Payment Hurt Your Credit Score?

March 1, 2026

Minimum credit card payments mean more interest could impact your credit score. Find out why your payments matter.

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Which debt to pay off first
Which Debt Should You Pay Off First?

March 10, 2026

Take charge of your debt by choosing the first one to smash. We’ll help you learn how to prioritize your debt payoff order.

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Access to Credit: Predatory Lending and Payday Loans
Access to Credit: Predatory Lending and Payday Loans

March 4, 2026

If you live in an underbanked neighborhood, you might think that predatory loans are your…

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Top 5 Tough Conversations that Could Help You Put Debt Behind You
Top 5 Tough Conversations that Could Help You Put Debt Behind You

March 18, 2026

Getting out of debt faster isn’t just about cash—it’s about having the right conversations. Start with these.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

March 15, 2026

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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Credit Card Interest Rate Cap: What It Could Mean for Your Debt
Credit Card Interest Rate Cap: What It Could Mean for Your Debt

April 3, 2026

The president wants 10% APR on credit cards. Banks say no. Here’s what a credit card interest cap could really mean.

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Does Debt Relief Hurt Your Credit?
Does Debt Relief Hurt Your Credit?

March 7, 2026

Will debt relief hurt your credit? We’ve got tips on how to prepare for credit impacts while getting rid of debt.

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