Curtis E. Arnold has been educating consumers about credit cards since 1998, and is the author of How You Can Profit from Credit Cards. Curtis is regularly interviewed by the national press regarding consumer credit issues and serves on the advisory board for the Center for Consumer Financial Services. He is also the co-chair of the Arkansas chapter of the Jump$tart Coalition for Personal Financial Literacy.

Beverly Harzog is a consumer credit expert and bestselling author. Her articles have appeared in The Wall Street Journal, New York Daily News, ABCNews.com, ClarkHoward.com, CNNMoney.com, and MSNMoney.com. Her expert advice has been featured in numerous media outlets, including television, radio, print, and websites.