Tim is a personal finance writer and credit card expert at Credit Karma. Growing up, Tim was apprehensive about credit cards because his parents struggled to get out of debt. Not wanting to fall into the same trap, Tim didn’t open his first card until he was 25 years old. These days, Tim has so many cards they don’t all fit inside his wallet, but he uses them responsibly by only spending what he can afford to pay off in full each month. Tim earns credit card rewards for every purchase and uses those points and miles to travel around the world for free
