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Staff writer

Ramona Oduya

51 articles · writes about credit card education

Credit Card Education
What a Name or Address Change Can Do to Your Credit Report
A marriage or move can leave old details on your credit file, so here is how to notify the right agencies, check for errors, and dispute what is wrong.
Ramona OduyaFeb 16, 2026
Feb 16, 2026
Credit Card Education
How Card Issuers Check the Income You List on an Application
Federal rules require card issuers to consider your ability to pay, not to verify every income claim. Here is what the rule says, how age changes it, and what stays unclear.
Ramona OduyaFeb 9, 2026
Feb 9, 2026
Credit Card Education
Can a Stay-at-Home Spouse Use Household Income on a Credit Card Application?
Federal rules let card issuers consider shared household income in some cases, but the choice belongs to the issuer, and age and access both matter.
Ramona OduyaFeb 2, 2026
Feb 2, 2026
Credit Card Education
When Your Card Gets Declined or Flagged: What to Do Next
A declined purchase or a fraud text can be routine, and federal rules give you a clear path to dispute charges you did not make.
Ramona OduyaJan 25, 2026
Jan 25, 2026
Credit Card Education
Your Divorce Order Can Assign a Debt, But Lenders May Still Hold You Liable
A court order can assign a joint debt to one spouse, but the creditor was never part of that case, so your name on the account can still matter.
Ramona OduyaJan 18, 2026
Jan 18, 2026
Credit Card Education
The Military Lending Act and the Servicemembers Civil Relief Act: Which One Applies to Your Credit
Two federal laws protect service members who borrow or carry debt, and this guide explains what each one covers, who qualifies, and how the cost cap is measured.
Ramona OduyaJan 11, 2026
Jan 11, 2026
Credit Card Education
Setting Up Card Alerts So Due Dates and Charges Don't Slip Past You
A short walk through choosing the alerts that fit how you use your card, setting delivery and contacts, and spotting a message that may not be from your issuer.
Ramona OduyaJan 4, 2026
Jan 4, 2026
Credit Card Education
How to Dispute a Charge for a Service You Never Received
Start with the seller, then file a written billing-error notice with your card issuer within 60 days of the statement.
Ramona OduyaDec 27, 2025
Dec 27, 2025
Credit Card Education
Credit Card Surcharges: Where the Rules Stand and What to Watch For
A surcharge is a fee added to card payments, and whether it is legal depends on the state, the card network, and the merchant's own processing agreement.
Ramona OduyaDec 20, 2025
Dec 20, 2025
Credit Card Education
Did Your Card Payment Really Go in Late? How to Check the Dates Before You Dispute
Compare your due date, cut-off time, and proof of payment with what the issuer recorded, then decide whether a billing-error letter is worth sending.
Ramona OduyaDec 13, 2025
Dec 13, 2025
Credit Card Education
Checking a Card Bonus's Spending Rule and Deadline First
The spending requirement, deadline, and fine print decide whether a welcome bonus is worth the card, and the CFPB has flagged several reward practices that deserve a close look.
Ramona OduyaDec 5, 2025
Dec 5, 2025
Credit Card Education
Who Owes What on a Shared Credit Card
Liability depends on how the account was opened, so confirm whether you hold a joint account or an authorized user setup before anyone makes a purchase.
Ramona OduyaNov 28, 2025
Nov 28, 2025

Ramona Oduya | Reboundly