We're not financial advisors—we're your neighbors who spent hundreds of hours reading what real people say about credit cards, loans, and money decisions. Here's what we found.


We read every mention on Reddit in 2024. Here's the good, the bad, and the "wish I'd known that before applying."
We analyzed real experiences from Reddit and MyFICO. Here's what you need to know about approval rates, APRs, and funding times.

The good, the bad, and the "I wish I'd sold my house instead." Real stories from real people.
Compare rewards, cash back, and travel cards based on 25,000+ user reviews
Find lenders that real borrowers actually recommend
Figure out payments, interest, and total costs before you apply
Learn from what worked (and didn't) for thousands of people

We compared what 15,000 cardholders said about both. The winner might surprise you.
12 strategies that actually worked, according to 3,400 success stories we analyzed.
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