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Louis DeNicola is a personal finance writer who works with Fortune 500 financial services firms, FinTech startups, and non-profits to help promote financial literacy. He covers a variety of personal finance topics and especially likes writing about credit cards and credit scoring. He also helps run Saturday morning flag football games, enjoys indoor rock climbing, and volunteers as a tax preparer.

In this episode we talk about his journey going from political science to personal finance, how he got his first gig, credit card hacking, pros and cons of being an approved user on someone’s credit card, basics of credit and where this crazy system actually came from, how long it takes to generate a credit score if you are new to credit, and his super clever system for tracking which credit card to use for various purchases.