Angelica Leicht is a seasoned personal finance writer and editor with nearly two decades of experience but just one goal: to help readers make the best decisions for their wallets. Her expertise spans ...

Susan Bard, MD, is a board-certified general and procedural dermatologist with the American Board of Dermatology and a Fellow of the American College of Mohs Surgery. You should apply sunscreen 15 ...

Melissa Lambarena is a senior writer on the credit cards team at NerdWallet. She has enthusiastically covered credit card-related topics for over nine years. Her prior experience includes nine years ...