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CardRates is committed to excellence in research. Our team of nationally recognized experts conducts and publishes industry-leading research on a variety of personal finance topics by conducting surveys and investigating published data sources.. Our areas of expertise include credit card usage, credit scores, consumer spending, and personal debt. Our Methodologies
To ensure our studies offer complete coverage of the industry and meet our rigorous editorial standards, we deploy a step-by-step methodology to each piece of research we publish.
1. Trend Analysis
Our team meets weekly to review and discuss current trends in the finance marketplace. Our team chooses a topic worthy of further research.
2. Survey Commission
The team then commissions a national survey on the topic with a leading polling organization. We use large representative sample sizes to ensure the accuracy and dependability of results.
3. Analysis of Results
Survey results are then passed to our team of personal finance experts for analysis and commentary.
4. Publishing of Findings
Our team then writes about the research findings and passes it through a two-tiered review by our editors. The findings are typically published exclusively on CardRates.com.
5. Public Release
Our team then notifies major media outlets and others in the finance industry as to the findings of our research.
6. Peer Review & Feedback
We integrate all feedback, questions, and commentary received from major media and external experts into our future research ideation, which provides our team new avenues to thoroughly cover the topics at hand.
By: Jon McDonald
Edited by: Lillian Guevara-Castro
Reviewed by: Ashley Fricker
Posted:
As an online consumer, purchasing a product with so many similar options available in the market can be difficult. What makes one item better than another? One way to discern between good and bad... read more »
Cash is king, as the age-old adage proclaims. Nothing beats cash in hand when it... read more »
In an era where Americans face unprecedented credit card debt of $1.13 trillion, the... read more »
A recent survey conducted by CardRates.com has lifted the curtain on a stark reality:... read more »
Generative AI tools such as ChatGPT have created another means of obtaining financial... read more »
Nearly 600 million credit card accounts recorded in the US as 2023 closed, and the... read more »
In a groundbreaking survey conducted recently, we reached out to 3,000 Americans from... read more »
The Federal Reserve Bank of New York’s Q3 Household Debt and Credit Report found that... read more »
Of the survey participants who expect to carry card debt, 78% said they hope to pay... read more »
Making your credit card payment on time every month is one of the best things you can... read more »
CardRates.com’s annual holiday survey also finds that only 1 in 5 consumers say they... read more »
After enduring long and uncertain pandemic quarantines and shutdowns, Americans have... read more »
It’s that special time of year that makes Republicans, Democrats, and independents... read more »
