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The Cardratings.com parent organization is U.S. Citizens for Fair Credit Card Terms, Inc. (CFCCT). It is a grassroots organization devoted to educating consumers about credit cards. It was founded on August 15, 1998 in Little Rock, Arkansas with its Web site, www.cardratings.com, also beginning operation the same month. Arkansas banks have historically been viewed as being consumer friendly, particularly in regard to interest rates. This organization provides an independent source of consumer information and is not owned or governed by any banking or credit card interest.
Cardratings.com fights credit card debt by providing consumers with ratings of credit cards. It is devoted to being the leading source of objective credit card ratings information. It currently offers consumers information regarding approximately 1000 unique credit card offerings, including two searchable databases containing approximately 1,100 credit card offers. It also offers approximately 19,000 consumer reviews (written by consumers throughout the country). 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 compeittion among credit card issuers. Its Web site has quickly become one of the most popular consumer sources of credit card information. In fact, it is now the most comprehensive free source for comparing card offers. It has been featured by the The Wall Street Journal, The Early Show on CBS, Consumer Reports magazine, PBS, Money Magazine, and others.

Curtis Arnold
143 Crestview Drive
North Little Rock, AR 72116
Phone: 501-663-0314
Fax: 501-374-8887
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