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Heather Vale

Heather is an accomplished writer and editor in the financial and business industries, with expertise in credit building, investments, cryptocurrency, entrepreneurship, and thought leadership. She loves investigating and pulling apart complicated topics to make them simple, engaging, and easy to understand. But she also enjoys writing about the personal side of life, including self-help, creativity, relationships, families, and pets. She approaches everything from a yin-yang perspective, so her passion for wordplay and metaphors is always balanced with an intense focus on accuracy. Heather has a BFA in Visual Arts from York University, and has worked as a journalist in all media: TV, radio, print, and online.

Posts By This Author

A woman thoughtfully holds up her credit card while walking through an outdoor shopping center, perhaps happy that she has an unsecured credit card.

What Are Unsecured Credit Cards?

Unsecured credit cards can boost your financial situation, but only if you manage them properly. Here’s everything you need to know before getting one.

A young woman looks at her credit card and several past-due invoices, indicating her credit card may be charged off.

What Happens When a Credit Card Is Charged Off?

What happens when your credit card gets charged off? Discover the impact on your credit, how debt collection works, and steps to reduce the effects.

A person’s hand holds two payment cards while another person’s hand selects the credit card from the stack rather than the debit card.

Debit Card vs Credit Card: What’s the Difference Between Them?

Learn the pros and cons of credit and debit cards, how they impact your finances, and when to use each. Get expert tips to choose the right card for you.

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