Our Methodology

E-E-A-T Principles

Our content follows Google's Experience, Expertise, Authoritativeness, and Trustworthiness (E-E-A-T) guidelines:

Content Creation Process

1. Research & Planning

• Keyword and user intent analysis to understand what consumers need
• Review of federal credit card regulations and consumer protection laws
• Analysis of current market rates, APRs, and rewards trends
• Identification of reputable sources and data providers

2. Writing Standards

• Accuracy First: Every claim is backed by verifiable sources
• Plain Language: Complex credit card terms explained in simple English
• Actionable Advice: Clear next steps for consumers
• Current Information: All data reflects current market conditions
• Balanced Perspective: Pros and cons presented fairly

3. Fact-Checking

• Every statistic verified against primary sources
• Quotes and data cross-referenced with official sources
• APR rates and fees verified with issuer disclosures
• Contact information (phone numbers, websites) verified as current

4. Quality Control & Verification

• Comprehensive personal review of all content for accuracy and completeness
• Compliance check against editorial guidelines and SEO standards
• Verification of all external links and source citations
• Multiple rounds of quality assurance before publication
• Use of advanced research methodologies and verification tools

5. Regular Updates

• Quarterly review of all content for accuracy
• Immediate updates when regulations change
• Annual refresh of statistics and market data
• Continuous monitoring of user feedback and corrections

Sources We Trust

We only cite authoritative, verified sources:

• Government Agencies: Consumer Financial Protection Bureau (CFPB), Federal Reserve, Federal Trade Commission
• Industry Organizations: American Bankers Association, Consumer Reports, J.D. Power
• Financial Publishers: Bankrate, NerdWallet, The Points Guy, Credit Karma
• Credit Card Issuers: Official issuer websites for specific card details and terms
• Legal Sources: Federal statutes, CARD Act regulations, court decisions

We never cite Wikipedia, anonymous forums, or unverified blogs as primary sources.

Independence & Transparency

What We Are

• An independent credit card information website
• A source of unbiased, data-driven guidance
• A platform for consumer education

What We Are NOT

• We are NOT a credit card issuer or bank
• We do NOT sell credit card products
• We do NOT receive commissions from issuers
• We are NOT affiliated with any credit card provider

Advertising & Monetization

This website may display advertising through Google AdSense and similar networks. These ads are clearly labeled and do not influence our editorial content. Our reviews and recommendations are based solely on research and data analysis.

Corrections Policy

We are committed to accuracy and transparency. If you find an error:

• We will investigate all error reports promptly
• Confirmed errors will be corrected immediately
• Significant corrections will be noted at the top of the article
• We maintain editorial integrity by owning our mistakes

To report an error, please contact us at our contact page.

Prohibited Practices

We never engage in:

• Plagiarism: All content is original or properly attributed
• Content Quality: We use advanced technology and research methodologies to create comprehensive, accurate credit card guides verified against authoritative sources
• Clickbait: Headlines accurately reflect article content
• Misleading Claims: No exaggerated promises or guarantees
• Paid Placements: No issuer pays for favorable coverage
• Outdated Information: Content is kept current and relevant

Questions About Our Standards?

We welcome questions about our editorial process, content standards, or specific articles.