Holly D. Johnson Expertise: Credit cards, Mortgages, Travel, Personal finance Title: Credit Cards Writer Education: Ball State University Location: Noblesville, Indiana Highlights Nationally recognized expert in personal finance who has written hundreds of articles on credit cards, rewards travel, and family financesWinner of the 2015 Plutus Award for “Best Contributor/Freelancer for Personal Finance”Co-author of the book "Zero Down Your Debt," released in January 2017 (Mango Publishing)Co-owner of popular personal finance website, ClubThrifty.com Experience Holly D. Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with credit cards, budgeting, and travel. In addition to writing for publications such as Business Insider, U.S. News & World Report Travel, and Bankrate, Holly owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." Education Holly attended Ball State University in Muncie, Indiana. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.