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Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

The Best Credit Cards to Apply For With a 550-600 Credit Score Photo of Valencia Patrice Higuera Valencia Patrice Higuera The Best Credit Cards to Apply For With a 550-600 Credit Score With a credit score of 550 to 600, there is plenty of room for your credit to... How Old Should Your Children Be to Get Their First Credit Card? Find out how old your children should be when they get their first credit card to begin building their credit score and learning how to manage debt responsibly. Home Depot Credit Card vs. Lowe’s Credit Card: Review Compare the store credit cards from Home Depot and Lowe's home improvement stores. Learn about their annual fees, interest rates, financing offers, and deals & discounts for both cards. See if there are other credit card alternatives for frequent shoppers at home improvement stores. BankAmeriDeals Rewards Review 2023: Earn More Rewards at Specific Brands Photo of Valencia Patrice Higuera Valencia Patrice Higuera BankAmeriDeals Rewards Review 2023: Earn More Rewards at Specific Brands Savvy shoppers are always on the hunt for a good deal. This is why they raid... U.S. Bank Altitude Reserve Card 2025 Review Photo of Valencia Patrice Higuera Valencia Patrice Higuera U.S. Bank Altitude Reserve Card 2025 Review The U.S. Bank Altitude Reserve credit card is worth considering if you’re a... Bank of America Premium Rewards Credit Card 2025 Review Through this review of the Bank of America Premium Rewards Credit Card, learn about the rewards program and travel benefits to see if it's worth the annual fee. Denied a Secured Credit Card? What You Can Do About It Learn about the steps you should take if you‘ve been recently denied a secured credit card -- including other methods to consider for building good credit. Should You Pay Off Student Loans Before Grad School? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Pay Off Student Loans Before Grad School? Getting an undergraduate education is a huge accomplishment. But it can also... People’s United Bank Personal Loan 2025 Review Photo of Valencia Patrice Higuera Valencia Patrice Higuera People’s United Bank Personal Loan 2025 Review Whether you need money for home improvements, debt consolidation, or a wedding, a... How to Get a Personal Loan for a Boat Learn how to buy a boat with a personal loan, which could be unsecured or secured with the boat at collateral in order to qualify for the lowest interest rates.