Scott Smith
Founder & Editor-in-Chief
Scott Smith is the founder of CardCompareHub. With a background in writing and years of experience in the credit card and consumer lending industry, he helps consumers find cards that genuinely match their spending habits and financial goals.
Articles by Scott Smith
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Sign-Up Bonus Math: How to Value Points and Miles Realistically
Learn how to value sign-up bonuses with realistic point valuations, fees, and spending requirements.
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Annual Fee Math: How a $550+ Card Can Cost You Nothing
Calculate the true net cost of premium credit cards by offsetting the annual fee with statement credits, travel perks, and realistic usage.
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The Grace Period Masterclass: Get Up to 51 Days Interest-Free
Understand how credit card grace periods work, how to time purchases for maximum interest-free days, and the one mistake that wipes out your grace period.
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Hard Inquiries Explained: How Applying for Multiple Cards Affects Your Score
How hard inquiries affect your credit score, how long they last, issuer rules like Chase 5/24, and how to apply without tanking your score.
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Avalanche vs. Snowball: Which Debt Payoff Strategy Saves More?
Compare the avalanche and snowball debt payoff strategies. See which minimizes total interest paid and which works better for your motivation style.