Elisabeth Chan

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Elisabeth Chan

Elisabeth Chan is Creditnet's resident credit card expert. Elisabeth graduated Magna Cum Laude from Brigham Young University's Marriott School of Business.

When she's not rating and reviewing credit cards, Elisabeth enjoys gushing over her daughter (who is her exact clone), eating out (sushi and Chinese are favs), or attempting to conquer the pilates reformer machine (so far, all attempts have been futile).

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Recent Blogs

Credit Card Review: U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

May 25th, 2016 by Elisabeth Chan

You might be surprised to learn that one of the better signup bonus offers on the market comes from U.S. Bank. 

Why Your Credit Score in College Will Affect You After Graduation

May 23rd, 2016 by Elisabeth Chan
What's the main goal of college? Most would say it's to get a degree so you can get a high-paying job after you graduate.

But, what might come along with this new job that you're working towards as well? Perhaps getting a new car, buying a house, or starting your own business one day? If so, it's important to remember that one of the key things involved with all of these goals will be your credit score.

Credit Scores

Credit One Bank® Unsecured Visa® for Rebuilding Credit Review: The Pros & Cons

March 29th, 2016 by Elisabeth Chan

Ever since Orchard Bank credit cards got the axe from Capital One years ago, many consumers with poor credit have been looking to the Credit One Bank® Unsecured Visa® for Rebuilding Credit instead. Let's face it, there unfortunately aren't many credit card options left on the market for those with poor credit. And if you prefer to use an unsecured credit card over a secured credit card, your options are even more limited!

Why "Bad Credit" Credit Cards Get a Bad Rap

August 17th, 2012 by Elisabeth Chan

Credit card companies that issue bad credit credit cards have been getting a lot of bad press over the past few years. Extremely high interest rates coupled with higher fees than your average credit card make them an easy target for those that believe these products are "evil" and should either be done away with for good or regulated even more than they already are. While credit cards for bad credit certainly have higher interest rates and fees than most consumer credit cards, the reality is that they actually provide a much-needed service for millions of Americans trying to rebuild their credit. Without them, a huge market of consumers would be left underserved.   But why do the interest rates and fees have to be so darn high?  It's not rocket science— the answer is quite simple to understand.

Best Credit Cards for Parents

July 18th, 2012 by Elisabeth Chan

(Update as of July 29, 2013: The below offer is no longer available. For the latest details regarding this card, check out our expert review of the Citi ThankYou Preferred Rewards Card on Creditnet.com.)

Thailand, Grand Cayman, Cancun, New York City. What do they all have in common? They're all places I've flown to for free using credit card rewards, the most recent trip being our first sans-kid trip to Cancun. I'm a huge proponent of responsible use of credit cards and an even bigger proponent of racking up rewards along the way, preferably at no or little cost to you in terms of annual fees. Now that the Mr. and I are finishing up our second year of parenthood, it's interesting to see how much more of our budget is allocated to food and gas. Who knew a sub-3-foot-tall human being could eat as much as her mom (and I boast quite the eating capacity for someone my size)? So when I saw the 12-month promotion offered by the Citi ThankYou® Preferred Rewards Card, I couldn't help but think that this is one of the best cards for parents. Here's why:

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