Bryan Halloy

CEO

About

Background:

Bryan Halloy is the founder and CEO of Crunchly. He has long been fascinated by helping people make better decisions about products and services and thrives on helping people use professional-grade analysis (financial modeling, decision trees, big data, etc.) on thier everyday decisions.

Bryan Halloy

CEO

About

Background:

Expertise

Education

Crunchly Contributions

About Crunchly

Use Crunchly to help you choose important - and often complex - products and services. We simplify the complexity to make your decisions accurate, easy, and fast.

How to choose a credit card

Consider what you want to achieve. Do the math (Crunchly can help). Assess your preferences. Apply with confidence.

Credit Card Total Value: What you need to know

Total Value considers everything - benefits, fees, interest, etc - into one number.

Credit Card Annual Fees: What you need to know

In many cases, an annual fee should not be the deciding factor for a card. But watch out for fee assessment timing.

Estimating Credit Card Approval Likelihood

Determining approval chances can be tricky, but a rough estimate can go a long way to narrowing your choices.

Credit Card Reward Credits: What you need to know

Reward Credits can be vital to offsetting annual fees on premium credit cards.

Credit Card Foreign Transaction Fees: What you need to know

Foreign transaction fees can add up, but often are not the biggest factor unless most of your spending is overseas.

Credit Card Issuers: What you need to know

When you choose a credit card you are also entering the ecosystem of the card issuer. Consider these implications ahead of time.

Credit Card Networks: What to Consider

Consider card acceptance, security, and benefits across card networks.

Credit Card Perks and Benefits

From travel to shopping and more - consider a wide variety of special benefits offered by cards.

Credit Card Rewards Programs

Points, miles, cash back - what to consider and how to choose.

Credit Card Total Financial Value: What you need to know

Total Financial Value considers everything - benefits, fees, interest, etc - into one number.

Your Credit Card Score: What you need to know

Total Value considers everything - benefits, fees, interest, etc - into one number.

Saving on Interest Payments with a Balance Transfer

Transferring a balance to a card with a lower interest rate can save you money.

Credit Card Lifetime

How long you plan to keep a certain credit card can have a big impact on its value to you.

Recurring Spending

How much you plan to spend - and what you spend it on - can play a big role in determining which credit card is best for you.

Interest Savings on New Purchases

If you plan to carry a purchases balance, consider the interest rate you will be charged.