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Faculty members featured in WalletHub articles

Photo of Somnath Banerjee

Somnath Banerjee

Photo of Carrie Johnson

Carrie Johnson

Somnath Banerjee, assistant professor of marketing, and Carrie Johnson, Extension personal and family finance specialist and assistant professor of human development and family science, were featured in two articles for WalletHub. 

Banerjee answered three questions on the easiest credit cardsfor one to get approved:

·     Are the easiest credit cards to get necessarily the worst credit cards on the market? 

·     Why aren’t credit cards easier to get? 

·     What advice do you have for someone who’s having trouble getting a credit card? 

Johnson discussed unsecured credit cards.“Unsecured cards can be a great vehicle for improving someone’s credit score. It may not happen overnight, but by increasing their score and building their credit they are more likely to receive better terms in the future or renegotiate the terms of their current unsecured credit card,” said Johnson. “Using a credit card and paying off the balance every month shows lenders that you can handle making sound financial decisions, and if the balance is paid in full every month, there will be no interest charged.”

Banerjee joined the NDSU faculty in 2015. He earned his bachelor’s degree at Patna University India, his MBA at International Management Institute India and his doctorate at University of Central Florida. 

Johnson joined the NDSU faculty in 2016. She earned her bachelor’s degree at Dakota State University, Madison, South Dakota; her master’s degree from South Dakota State University, Brookings; and her doctorate in family and consumer science education from Iowa State University, Ames. She is an accredited financial counselor.

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