201 W Broadway St # G12
North Little Rock, AR 72114
Informations
The legal business name of our organization is U.S. Citizens for Fair Credit Card Terms, Inc (CFCCT). We are a for-profit organization devoted to educating consumers about credit cards. While we are primarily focused on U.S. consumers, we also offer consumer information for U.K and Canadian consumers. We were founded on August 15, 1998 in Little Rock, Arkansas. Our web site, CardRatings.com, began operating the same month. Arkansas is an ideal home for us because credit cards issued by Arkansas banks have historically been viewed as being consumer friendly, particularly in regard to interest rates. We provide an independent source of consumer information and are not owned or governed by any banking or credit card interest. Our organization was founded in response to a growing national backlash against credit card debt. Curtis Arnold, our founder and a nationally recognized consumer advocate, knows firsthand the devastating financial effect of credit card debt. He struggled with credit card debt for several years during and after his graduate studies in business at the University of Texas at Dallas. At one point, Curtis had over $40, 000 in card debt. We pioneered the concept of offering ratings of credit cards in 1998. We are devoted to being the leading source of objective credit card rating information and are, in fact, the most comprehensive source for card data. We currently offer consumer information regarding approximately 500 unique credit card offerings, including a searchable database. On a related note, we are proud to provide all of the data (card terms and conditions) for the credit card and atm/debit survey published by the New York State Banking Department, the oldest bank regulatory agency in the nation. For more information about how we rate cards, please click here. We also offer over thousands of consumer reviews of cards written by consumers throughout the country (new reviews can be added daily). We do not know of any other organization that offers more consumer reviews of credit cards. Disclosing such information often helps consumers find more attractive credit cards and, in turn, helps them lower their credit card debt. Another added benefit is that such disclosures encourage stronger competition among credit card issuers.