What CreditBrief is
CreditBrief is an editorial publication about credit cards, credit scores and everyday personal finance, written for consumers in the United States. We explain how these products actually work — the billing cycle, the interest calculation, the fee schedule, the scoring factors — so that readers can make their own decisions with an accurate picture of the mechanics.
We publish guides, explainers and comparisons. We do not publish news of the day, market commentary, investment recommendations or predictions.
What we do differently
Most credit card content on the web is a ranked list of products with specific rates, fees and bonus amounts. Those numbers change without notice, which means a list that was accurate when written misleads the reader who arrives from a search engine eight months later.
We take a different approach. We explain structures rather than publishing offer terms as though they were durable facts, and we teach readers how to evaluate an offer against their own spending. Where an article touches on live terms, we say plainly that you should confirm the current details on the issuer’s own page before applying. Our evaluation methodology is published in full.
Editorial independence
Editorial decisions about what we cover are made independently. No advertiser, affiliate partner or card issuer reviews articles before publication, influences our conclusions, or is given favorable coverage in exchange for a commercial relationship.
At the time of writing, CreditBrief has no affiliate relationships with any card issuer or financial institution. If that changes, we will disclose it clearly on every affected page and update our disclosures before publishing any such content.
How we handle money content
Credit and personal finance are subjects where inaccurate information causes real harm. We hold ourselves to a small number of specific rules:
- We do not fabricate statistics, studies, APRs, fees, approval requirements or issuer policies. If we cannot verify a number against a primary source, we do not publish it.
- Where a fact is set by law or published by a federal agency, we cite that agency directly — the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve, the FDIC, the IRS — and not a secondary summary.
- We do not claim professional credentials that are not held. Nobody on this masthead is presented as a certified financial planner, accountant, attorney or licensed banker.
- We do not give personalized financial advice. Our articles are educational, and where a decision genuinely requires a professional, we say so.
The full detail is on our editorial standards page.
Who writes CreditBrief
Every article carries a named byline with a stated editorial role, a publication date, and — for pieces covering fast-moving subjects — a last-reviewed date. You can read about each writer and editor on our authors page.
How CreditBrief is funded
CreditBrief is supported by advertising. Advertisements are clearly labelled and visually separated from editorial content, and advertisers have no influence over what we publish or what we conclude. We keep ad density deliberately low, because a page that is difficult to read is a page that has failed at its job.
Who publishes CreditBrief
CreditBrief is owned and published by Mohamed Haytam, an independent publisher based in Málaga, Spain. It is not owned by a bank, a card issuer, a lender or a comparison network.
The site is written in American English for readers in the United States, because that is the market its coverage is about — U.S. card issuers, U.S. credit scoring and U.S. consumer protection law. Being published from Europe does not change what the articles cover; it does mean the site is run under the GDPR, which is a stricter privacy standard than U.S. law requires.
Full publisher identification, including tax identification number and domicile as required by Spanish law, is on our legal notice page.
General enquiries: creditbrief@gmail.com
Get in touch
We read everything readers send us, and corrections get priority. Our contact page lists the right address for editorial corrections, advertising, partnerships and privacy requests.