About Melvyn
Melvyn Kim is the founder and editor of 67.CREDIT. After a decade building software products in fintech-adjacent spaces, he started 67.CREDIT to do for credit cards what good consumer publications do for tech: explain things plainly, surface the trade-offs, and never let the affiliate commission lead the recommendation. He oversees every review and roundup on the site and personally writes the methodology pages. He believes the under-35 market is underserved by legacy comparison sites and that there's room for an honest, opinionated voice. Outside of 67.CREDIT he reads more personal-finance research than is healthy.
Articles by Melvyn
- Money Stress and Mental Health
Financial anxiety is real. Learn why money stress affects Gen Z so deeply and healthy strategies to cope with financial pressure.
- Top 5 Budgeting Apps for Gen Z
Compare the best budgeting apps for young adults. Find the perfect tool to track spending, save money, and reach your financial goals.
- Buy Now, Pay Later (BNPL) – Pros, Cons, and Tips
Afterpay, Klarna, Affirm – are BNPL services a smart alternative to credit cards or a debt trap? Learn how to use them responsibly.
- Managing Money from Side Gigs
Budgeting with irregular income from freelancing, gig work, and side hustles. Tax tips, tracking income, and staying financially stable.
- Best Credit Moves for College Students
Smart financial strategies for college students: building credit, budgeting on a student income, and avoiding common money traps.
- Maximizing Credit Card Rewards on a Budget
Learn how to earn cash back, points, and miles without overspending. Smart strategies for budget-conscious reward seekers.
- Credit Card Interest 101 (and How to Avoid It)
Learn how credit card interest works, why APR matters, and the simple strategy to never pay a cent in interest charges.
- Credit vs. Debit: Which Should You Use?
Confused about when to use credit or debit? Learn the pros and cons of each and make smarter payment decisions.
- Credit Cards Explained for Beginners
New to credit cards? Learn how they work, from transactions to billing cycles, in plain language with no confusing jargon.
- Understanding Credit Scores: The Complete Guide
Learn everything you need to know about credit scores - what they are, how they're calculated, and why they matter for your financial future.
- How to Build Credit from Scratch in 2025
Starting your credit journey? This step-by-step guide shows you exactly how to build credit when you have no credit history.