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Financial Disclaimer

Please read this before relying on anything on this site.

Educational purposes only

Everything on CreditPilot, including our articles, comparisons and calculators, is general information for educational purposes.

No individualized financial advice

We do not know your finances, and our content does not consider them. Nothing here is personal financial, investment, legal or tax advice, and reading it does not create an adviser-client relationship. Consider consulting a qualified professional about your situation.

No guarantee of approval

We do not issue credit cards or make credit decisions. Being mentioned on this site does not mean you qualify for a product.

Eligibility is determined by the issuer

Each issuer sets its own criteria and makes its own decisions, and these can involve factors we know nothing about.

No guarantee of credit score results

Credit scores depend on your whole credit profile and on the scoring model used. We describe habits and factors generally. We do not promise that doing any of them will raise your score by a specific amount, or at all.

Financial product terms may change

Rates, fees, rewards and offers can change at any time, and offers can vary by applicant. Dates shown on this site are when we checked a source, and the information may have changed since then.

Verify issuer terms

Before you apply for or use any financial product, read the current terms on the issuer’s website, including its rates and fees table and cardholder agreement. If those terms differ from anything on our site, the issuer’s terms control.

Calculators and examples

Calculator results and worked examples are estimates and illustrations. They are based on stated assumptions, and your real costs and results can differ. No savings are guaranteed.

If you are struggling with debt

If you are having difficulty with payments, contact your issuer as early as you can. A nonprofit credit counselor may also be able to help. The Consumer Financial Protection Bureau has free resources.

This site’s policies are written to explain our practices in plain language. They do not constitute legal advice to readers.