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All posts by Heaven Speirs

Heaven Speirs is a contributing writer for She remains up-to-date with the latest developments in the credit card industry and the financial sector as a whole. Heaven has over 10 years of experience in online journalism, the bulk of which has been focused on personal finance. Heaven attended Oklahoma State University, where she discovered her talent for research and content creation. In her spare time, Heaven enjoys painting, playing poker, and spending time with her husband and three dogs.

How to Prepare for the Long-Term Financial Impact of COVID-19

June 5, 2020

The recent economic downturn in America has forced most households to think in the short-term. How will I pay this month’s bills? What can I aff...

How to Protect Your Credit Score during the Pandemic

May 28, 2020

The COVID-19 pandemic has taken a toll on most American households. In one way or another, your income or savings have likely been compromised over th...

How to Protect Your Personal Information after a Data Breach

May 26, 2020

Nearly half of American consumers have been victims by a data breach, and 37% of businesses have experienced one in the last year. If you were recentl...

Household Bill Pay by Credit Card Doubles Amid Coronavirus Outbreak

May 15, 2020

It’s been two months since COVID-19 was reported across all 50 states, and many Americans are now facing the reality of reduced income and job l...

How Do Credit Card Companies Calculate the Minimum Payment?

May 9, 2020

Every month you carry a balance on your credit card, you have a minimum payment to make. This is the lowest amount you can pay to maintain positive pa...

Credit Card Issuers Tighten Standards Amid COVID-19 Uncertainty

May 8, 2020

At the beginning of the coronavirus pandemic, credit card issuers were extending credit limits to help Americans survive the financial crisis. However...

How COVID-19 Is Changing the Way Consumers Pay for Purchases

April 30, 2020

Shelter-at-home protocols have caused many Americans to rethink the way they pay for purchases. Whether you’ve actively been in quarantine or yo...

5 Money Lessons to Teach Your Children during Quarantine

April 20, 2020

April is Financial Literacy Month, a time for families to discuss the importance of money management. These lessons are more important now than ever, ...

Financial Tips for College-Bound Students

April 17, 2020

You are going to college and finally managing money on your own. Congratulations! But…now what? What kind of bank account do you need? What is the d...

5 Things You Should Do with Your Stimulus Check

April 16, 2020

The first set of Americans have received their economic impact payments, and more disbursements should arrive in the coming weeks. Before you run to t...