Not financial advice
CreditBrief publishes general educational information about credit cards, credit scores, banking and personal finance in the United States. Nothing on this site is personalized financial, investment, tax, legal or accounting advice.
We do not know your income, obligations, credit history, tax position, state of residence or goals — all of which change what the right decision is for you. An article can describe how something works. It cannot tell you what to do.
No professional relationship
Reading this site, subscribing to our newsletter or contacting us does not create a professional advisory relationship. No member of our editorial staff is presented as a certified financial planner, certified public accountant, attorney, licensed banker or registered investment adviser.
For decisions that warrant professional input — tax treatment, debt in collections, bankruptcy, anything involving a contract you do not fully understand — consult a qualified professional licensed in your state.
Information changes
Credit card terms, interest rates, fees, rewards programs, bank products and regulations change frequently. We write structurally and date every article, but content can still become outdated between reviews.
Always verify current terms directly with the issuer or institution before applying for or relying on any financial product. The issuer’s own disclosure is the only source that is current by definition.
No guarantees
Nothing on this site guarantees:
- That you will be approved for any product;
- The rate, credit limit or terms you will receive;
- A specific change in your credit score;
- The value you will obtain from any rewards program;
- Any particular financial outcome.
Examples and calculations in our articles are illustrations. Your actual numbers will differ.
Your responsibility
You are solely responsible for your financial decisions and for verifying information before acting on it. We accept no liability for decisions made in reliance on content published here. See our terms of use.
Third-party content
We link to external resources, including government agencies and financial institutions. We do not control those sites and are not responsible for their content or accuracy. A link is not an endorsement.
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This site displays advertising, labelled and separated from editorial content. We are not responsible for advertisers’ products, services or claims. See our disclosures.
Errors
If you find something wrong, tell us. We correct errors and note material corrections on the page — see our corrections policy.