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  1. Authors
  2. Brady Porche

Brady Porche

Former Editorial Director, Credit cards
  • LinkedIn Icon
Ribbon Icon EXPERTISE
  • Credit scores and reports
  • Credit card industry trends
  • Consumer habits
  • Debt management
Education Icon EDUCATION
  • Bachelor of Arts degree in Mass Communication, Louisiana State University, Baton Rouge

If you’re a credit card user and you want to avoid getting into debt, it’s critical to create a budget and stick to it. Avoid spending more with your card than you can pay off each month. Better yet, pay your balance down to zero each week if your budget allows it.

— Brady Porche

 

Highlights

  • Two decades of professional writing and editing experience, including five years in personal finance
  • Works with personal finance experts to provide helpful advice to consumers
  • Has covered major financial news stories, including consumer debt trends, Fed rate moves, large-scale data breaches, personal finance in the pandemic and more

Experience

Brady Porche is a former editorial director for CreditCards.com and Bankrate Credit Cards. He has 20 years of professional experience as a writer and editor.

Brady’s writing has provided consumers with helpful information on many aspects of personal finance. He specializes in credit scores and credit reports, and has extensively covered topics such as rewards, debt management, data security, consumer law, monetary policy and more.

Brady also works with noted personal finance experts to deliver weekly insights into key topics such as business credit, credit scores, using rewards to fund travel and credit card industry trends.

As a personal finance writer and editor, Brady’s goal is to break down complex credit card topics in a way that helps consumers make the best decisions for their finances – whether it’s choosing the best cards for their spending needs, getting out of debt, starting a business or planning a dream vacation with points and miles.

If you’re a credit card user and you want to avoid getting into debt, it’s critical to create a budget and stick to it. Avoid spending more with your card than you can pay off each month. Better yet, pay your balance down to zero each week if your budget allows it.

— Brady Porche

Brady's latest articles

  • political rally

    Can you use a credit card for political donations?

    You can use a card to make political donations, but there are pitfalls to avoid.

    3 min read Oct 12, 2022
  • man checking his computer

    What to do if you’re impacted by a data breach

    Data breaches continue to happen. Here’s what you can do if you are a victim.

    4 min read Sep 28, 2022
  • front of a government building

    Fed rate cheat sheet: What all those terms really mean

    What the Fed news really means: a demystification of Fed terms.

    6 min read Sep 21, 2022
  • Serious woman is sitting on a sofa and looking at a laptop while holding a paper in her hand. She is wearing glasses. She might be working from home or studying, or paying a utility bill. She is wearing a green shirt and jeans.

    Will your credit card late fees go down despite inflation?

    The CFPB is looking into rulemaking that could bring down credit card late fees.

    6 min read Aug 17, 2022
  • Chicago White Sox vs. Cleveland Indians at Guaranteed Rate Field

    Poll: Live event attendance on the rise

    As the world starts to reopen, many are beginning to attend live events. But some still cite fear of COVID as a reason they won’t be going to public affairs any time soon.

    4 min read Oct 25, 2021
  • Young woman smiles at her smartphone with credit card in hand in kitchen

    American Express, Discover continue to dominate credit card satisfaction

    Credit card customer satisfaction is yet again a two-horse race in 2021.

    3 min read Aug 20, 2021
  • 3 surprises about credit cards and COVID-19

    3 surprises about credit cards and COVID-19

    It has been about five months since the COVID-19 pandemic ramped up in the U.S. So far, there have been three credit card developments that have really surprised me. Keeping up with the bills Back in March, [...]

    3 min read Aug 03, 2020
  • Envelopes

    Ask Bankrate: When will the recession end? Should I save or pay down debt?

    One readers asks: When will we be out of this economic downturn?

    5 min read Jul 31, 2020
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  • A bull statue near the New York Stock Exchange

    Stock market sectors guide: How these 11 slices of the market work

    Here’s what you need to know about the 11 sector classifications in the stock market, including some top companies in each.

    6 min read Aug 26, 2025
  • couple standing poolside watching sunrise at luxury tropical villa overlooking beach and ocean

    What is travel hacking and how do I start?

    Learn how you can start traveling at a significantly lower cost while maximizing on a rewards strategy.

    9 min read Mar 06, 2025
  • young man working on his laptop in his living room

    Is the Chase Freedom Student card worth it?

    Find out whether the Chase Freedom Student card is a good match for you.

    4 min read Sep 12, 2024
  • man using contactless payment at restaurant

    New Wells Fargo Autograph Card launches, offering rewards on everyday spending for no fee

    Find out if this no-annual-fee card is right for you.

    3 min read Nov 07, 2022
  • Team of Surveyors Planning and Discussing on Village Street

    What is a property report?

    It’s a docu-snapshot that can reveal secrets, verify ownership and solve disputes.

    3 min read Nov 04, 2022
  • Illustration. Woman taping boxes shut.

    First-time home sellers: 9 steps to a successful sale

    There are many factors to consider when selling a home, from local comps to national market trends. Here’s a step-by-step guide.

    4 min read Nov 04, 2022
  • People walk near Bank of America branch, on July 18, 2022 in New York.

    BankAmericard extends its balance transfer offer to 21 billing cycles

    Learn more about the terms, perks and benefits of this card.

    2 min read Aug 22, 2022
  • A woman shops for groceries

    When is the next recession? Here’s what economists are saying

    It might not be here yet, but a recession could be coming.

    4 min read Aug 22, 2022
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