Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

Should You Cancel a Credit Card You Don’t Use?

Before you call up to cancel your old credit card account, make sure you know everything that needs to be considered. We go over the...

Debit Cards vs Credit Cards: Does It Matter How You Swipe?

Find out the difference between using a debit card versus a credit card. We break down the benefits and features that matter the most in...

Why It Matters How You Redeem Your Reward Points

You worked hard to pick the right credit card and earn your points. However, your job isn’t done. How you use those points or miles matters...

2016 Analysis of Regulatory Violations & Consumer Complaints

With the news of mass customer exploitation by Wells Fargo, we evaluated consumer complaints and regulatory violations to see how the rest...

Best Store Credit Cards 2020: What’s Worth Signing Up For?

These are the top store credit cards currently available to consumers, based on a number of different needs and factors. We also looked at...

Is It Worth Paying Interest to Earn Credit Card Rewards?

Find out if it’s ever worth paying interest to earn credit card rewards. We did the math to weigh to figure out whether you’re losing money...

Chase Sapphire Reserve® vs Chase Sapphire Preferred® Card: Should You Upgrade?

The right option for you mostly boils down to how much you spend on travel each year

Credit Card Options for International Students & Immigrants

Find out what credit cards you can get if you are an international student or immigrant in the United States. We broke down what you need...

Ranking the Best Rental Car Rewards Programs

Which rental car companies offer the best rewards programs? Here they are.

How To Think About The Value of Points & Miles

Figuring out the value of a credit card rewards program isn’t easy. It helps to approach the problem from a simplified approach that...

Two Approaches To Optimizing Your Credit Score

Find out the best methods for improving your score. We break down the things everyone hoping to get an 800+ score needs to go over on their...

Chase Sapphire Reserve® vs The Platinum Card® from American Express vs Citi Prestige®: How To Choose Between Them

Find out which of the most popular luxury cards is best for you – the Chase Sapphire Reserve, The Platinum Card® from American Express or...