By

Sarah Chen

Editor-in-Chief

• Former credit-risk analyst, top-10 US card issuer
• CFA charterholder
• 10+ years covering consumer banking
• Built TGC's issuer-terms verification checklist

Sarah Chen is Editor-in-Chief of The Global Credit, where she leads coverage of credit cards, consumer banking and the fine print that decides what financial products actually cost. Before moving into journalism, she spent six years as a credit-risk analyst at a top-10 US card issuer, working on the underwriting and pricing models that determine who gets approved and at what APR — experience she now uses to read issuer terms the way the people who wrote them do. She is a CFA charterholder and has covered consumer banking for more than a decade, tracking how rate cycles, regulation and rewards programs reshape the real value of a card. Every guide she publishes starts from primary sources — issuer terms and conditions, regulator guidance from agencies like the CFPB, and current rate data — and leads with the math, not the marketing. Articles are researched with AI assistance and reviewed by a human editor before they go live, and updated when terms, rates or fee schedules change.