The Ultimate Guide to Credit Cards
Thursday, May 30, 2024

CreditCardForum: Honest Credit Card Advice & Answers from an Online Community Nearly 20,000 Strong

Creditcardforum Offers Credit Card Advice And Answers
Amber Brooks

Written by: Amber Brooks

Amber Brooks
Amber Brooks

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

In a Nutshell: For anyone with questions about credit cards, CreditCardForum offers an online community of people ready with answers. Founded in 2008, the forum hosts almost 20,000 active users who discuss salient credit card topics every day. Whether you’re wondering about the rewards of a particular card or your chances of being approved by an issuer, you can quickly find an answer by posting a question or searching through existing topics on Letting users stay anonymous, the open forum fosters a safe environment for honest opinions and news in the financial sector. //

As a college student, I put off getting my first credit card for a long time, not because I didn’t want one, but because I was new to credit and didn’t want to ask embarrassingly simple questions.

Whenever I tiptoed into the subject with my family, for instance, it always seemed to turn into a lecture from on high — “Well, here’s what you should do, little lady” or “You don’t have a credit card, what’re you waiting for?”

Conversations like that didn’t exactly leave me feeling bathed in knowledge and confidence. Honestly, the main lesson I got out of it was not to broach the subject with people I know. Even if they know the answer, it’s not worth it to ask.

Credit cards are a sensitive topic. Not everyone is willing to openly admit they have questions or issues on such a personal level. People feeling lost in their own finances need a safe space to learn what to do or expect.

CreditCardForum provides that space. Through its online community, this site provides an easy and anonymous way to get specific answers about credit cards. Since its founding in 2008, the forum has committed itself to consumer-driven education, dedicating its content solely and specifically to credit cards.

Today, CreditCardForum has 18,665 members who have contributed 85,628 total posts in 9,672 topics on the site.

Screenshot of CreditCardForum's homepage

A comprehensive resource, CreditCardForum covers credit card issues such as rewards, fraud, and issuer news.

Ben Woolsey, President of CreditCardForum, explains that the site’s forum, reviews, and blog foster financial awareness in consumers. “Our members return on a daily or a weekly basis,” he says, “to discuss pretty much everything under the sun concerning credit cards.”

Whether you’re curious about a major issuer or a store-issued credit card, the site has a discussion forum ready to supply answers to your question.

The Largest Online Active Forum Dedicated to Credit Cards

CreditCardForum is the largest online discussion board of its kind, focusing specifically on credit card topics (rewards, requirements, balance transfers, business financing, building credit, etc). Every day many thousands of people visit the site. Anyone is free to read the content and posts; however, to take part in the discussion, visitors have to sign up with an email address and username.

President of CreditCardForum, Ben Woosley

Ben Woolsey became President in 2014.

On the forum itself, Ben tells us that there’s a highly active core group of members “who are experts in their own right and weigh in on most discussions to share their expertise and opinions.”

From business travelers who know all the ins and outs of rewards to customer service agents from major issuers, the forum’s membership has no dearth of expertise. If, for whatever reason, your question has these knowledgeable users stuck, Ben is happy to swoop in as moderator with an answer.

“I have a pretty deep background in the credit card industry,” the President of CreditCardForum says, “so sometimes I’ll definitely step in and provide my own input.”

A Small Team With Big Goals: Educating You About Credit

An in-house team of web editors and technical whizzes maintains CreditCardForum with a single-minded objective: to inform consumers about all aspects of credit cards. Through its forum, blog posts, and featured credit cards, the site offers easy access to all the answers a consumer could want or need — from applying for a credit card to asking for a credit line increase.

“We occasionally utilize freelance writers when creating articles for our blog but primarily rely on our in-house staff,” the President says, “so even though in terms of headcount we’re relatively small, the beauty of the forum format is the depth and breadth of information generated by our members.”

Ben and his team are glad to provide a place for people to share information and get answers from the site’s forum or blog.

“Concerning industry and card-specific information, we’ve got a wealth of content on the site,” Ben boasts. “The site hosts several thousand articles and reviews of major credit cards as well as almost every private-label store card in existence.”

Common Questions Answered by Consumers, for Consumers

On CreditCardForum, consumers share stories and ask general questions about credit card issuers, new products, and tips for maximizing rewards. General Credit Card Talk is the most frequently visited topic, with Rewards a close second. As you navigate the world of credit cards, you’ll find a dedicated space full of conversations and queries in a wide range of topics.

“We certainly encourage people to visit the site whenever they have questions,” Ben tells us. “You don’t have to join to find answers to a lot of questions — you can just type in a question to our search box, and more than likely the question has been asked and answered previously.”

Screenshot of the forums on CreditCardForums

On the forums, consumers ask questions and give advice about credit cards in a secure, friendly environment.

Of course, to engage directly in the conversation and ask a particular question, you’ll need to sign up as a member. Then you can post as much as you like.

New members often post to ask what their odds of getting approved for a certain card are, which Ben says is among the forum’s most frequently asked questions. CreditCardForum members analyze each other’s unique circumstances and give detailed answers in a lively back-and-forth.

“It’s anonymous,” Ben says, “so you have people really sharing their unvarnished opinions. Having that anonymity gets people to share their real thoughts and experiences that they might not otherwise.”

Blog Posts Draw Inspiration from the Forum’s Members

Following trends in credit card news, CreditCardForum’s blog posts range from general step-by-step guides to detailed analyses of changes in benefits on a particular card. The site never lacks new topics to cover because the forum itself provides a constant stream of writing prompts.

“Some of the earliest warnings that we get on things that are going on in the credit card market come from members themselves,” Ben tells us.

These average people often report what they’re experiencing firsthand, bringing new topics to the forefront. Many members deal with issuers and handle credit cards on a daily basis, so when terms change or a new loophole is discovered, these savvy individuals are the first to know and pass along the information.

CreditCardForum learns from its user base and expands on salient credit card news in regular blog posts.

The team has the research and technical skills to write in-depth on any topic, but it’s the insight of members that points CreditCardForum toward the issues that concern consumers. With responsive content, the site continually informs readers on hot topics of the day.

A Consumer Resource, CreditCardForum is Open to Everyone

Eventually I did pick out my first credit card, relying on my own best judgment, but I could’ve saved myself a lot of time (and aggravation) by using CreditCardForum to find out what I needed to know.

When you have serious questions about credit cards, you can trust CreditCardForum to have complete and knowledgeable answers. Many down-to-earth users bring their own personal experiences and honest opinions in a lively discussion about credit cards. The forum is a welcoming space for tips and recommendations.

Additionally, the site’s consumer-driven content outlines rewards, explains interest rates, releases issuer news, and acts as a resource of all types of credit-related topics.

“We do try to be a one-stop shop for people who have any questions about credit cards,” Ben says. “We’re constantly adding features to the site to make it faster and more responsive for consumers.”

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