Michael Germanovsky

Michael Germanovsky is an expert in personal finance with in-depth knowledge of credit cards, charge cards, and pre-paid cards. He began his writing career at the Novoye Russkoye Slovo, a partner of the New York Times International Weekly; and later authored a personal finance column at The Epoch Times. In 2011, Germanovsky created the Student Credit Card Education Initiative, designed to promote financial literacy and smart credit card use by young people. He is editor-in-chief at Credit-Land.com.

Recent Articles By The Author

Bad Credit Card Moves and How to Avoid Them

Bad Credit Card Moves and How to Avoid Them

There's a lot more to good credit than paying your bills on time.

What to Do Before, After Your Insurer Pays Off for a Natural Disaster

What to Do Before, After Your Insurer Pays Off for a Natural Disaster

You don't have to wait for an insurance claim to pay off to start repairs. In some cases, you absolutely shouldn't.

The Harsh Reality of Celebrity Prepaid Cards

The Harsh Reality of Celebrity Prepaid Cards

Like the reality shows that dominate TV, celebrity prepaid cards may come with more drama than they are worth.

5 Escape Plans for When Your Frequent-Flier Miles Are Going Down

5 Escape Plans for When Your Frequent-Flier Miles Are Going Down

What to do when the promises of your frequent-flier miles are at risk at American and other troubled airlines.

The Airline Miles Card vs. the Travel Credit Card

The Airline Miles Card vs. the Travel Credit Card

An airline-branded credit card may get more bang for your rewards mile, but it may also require a lot more legwork and persistence to book rewards travel.