Best Credit Card Forum 2023 | Big & Underground Forums

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Best Credit Card Forum? The card forums have been around since the 1850s, but they've shrunk a lot over the years. The credit card industry has become a lot more competitive, and a few less-than-reputable players have been shown the door.

Many of those that remain are now part of larger organizations or subsidiaries thereof – Capital One is owned by Citigroup, Chase is owned by JP Morgan, etc.

The result has been higher standards and stricter regulations. It's become much harder for new card issuers to get in the game while others are being forced out.

One of the last few independent forums was started in 1998. For nearly 15 years, it provided a valuable service to its community, but the owner was unable to make ends meet, and he finally gave up. That forum is now owned by Nerd Wallet, which has embraced it as part of its credit card review service.

Another underground forum that opened back in 1999 was able to keep going because of its sheer size and influence. It's still around today, but the owner stated back in 2010 that he's ready to shut down at any moment.

Fortunately, some new forums have sprung up over the years. The one you're reading right now is perhaps the biggest and most active of them all. We don't accept paid advertisements or post affiliate links, so some might consider this site to be "underground" because of that. Maybe so - but it's still 100% free to use, just like the other forums you can find here.

We're not claiming to solve all the problems, but we've taken some steps above and beyond what most people are willing to do:

First, we started a Credit Card Help Forum that's 100% dedicated to helping people stuck with bad credit. Unlike other forums, we're happy to help you even if you have no money down and terrible credit.

Second, we keep no personal information of any card seeker anywhere on our servers. If there was ever a data breach of some kind, there's no need to worry about your personal information being exposed. We don't even keep email addresses after an account is deleted, so we can't use them against you in any way.

We know it sounds too good to be true, but we do this for the betterment of our members, and that's all there is to it. There are no ulterior motives, and we only take in as much money as we need to cover our costs.

This website is growing at a tremendous rate, but there's still plenty of room for growth. We're proud that we've been recommended by some of the biggest names in the card business and can't thank our members enough for all the support they've shown us over the years.

What Is A Credit Card Forum?

A credit card forum is a place where people can go to discuss all things relating to credit cards. Some of them are underground, which means they don't accept any advertising whatsoever.

Others are more open and allow affiliates to post links in signatures or run PPC campaigns - but none of them charge money for membership or anything like that.

The credit card forum you're on right now is perhaps the biggest of them all, so check out some of the others if you want to compare.

What is a Credit Card Forum

We used to have a great forum at - but it was sold and completely gutted in 2012. It's now nothing more than a waste of time.

We've given out some great credit card offers in the past, and we'll continue to do so in the future - but keep in mind that our main priority here is helping people, not making money.

If you're interested in earning or burning points, then please check out what's available at FlyerTalk, Reddit, Frequent Miler, MileValue, and other similar sites. With that said, We hope you enjoy your time here and make your wallet happy in the process!

How Do Credit Card Forums Work?

All credit card forums are managed by their respective owners - but they're also moderated by people just like you. The biggest difference between card forums and other types of forums is that you have to register before being able to post.

This helps the moderators keep things organized, but it also helps you build a profile that can be used to your advantage in the future.

Registration usually takes less than 60 seconds - but if you're having trouble at first, then take a look at the "Need help registering?" section below. It covers most of the commonly asked questions and should have you posting in no time!

Once registered, feel free to post about whatever is on your mind. You can ask questions or join in on a discussion without being a member for a single day - so go ahead and jump right in!

Some of the most successful members here are those who provide value to other people. You can share your experiences with certain cards or suggest new offers that nobody knows about - but whatever you do, make it interesting! Remember that you're helping real people just like yourself, so try to be as helpful as possible.

All of your posts are stored in the "posts" section, which you can access by clicking on your username at any time. You'll be able to see all of your posts and comments directly from there - but if you ever need to check out the "message inbox," keep scrolling down...

Best Credit Card Forum

1. My Fico:

My Fico is a website that was created by the same people behind the credit scoring company known as "FICO." They wanted to create something simple and easy to use, so they decided to make a website where you can monitor all of your credit scores.


It's completely free to join, But it does cost money to actually check your scores. You can pay for this service using a credit card or through PayPal, but because we don't recommend paying directly, you might want to use one of these free credit score services instead.

I would highly recommend My Fico if you have bad credit and are actively searching for ways how to fix it - but if you're looking for free credit scores, then you can find those on Reddit.

2. Credit Boards:

Another great credit forum, but this one is completely free. They also have dozens of subforums that you can search through to fit your specific needs - for example, if you're looking for the best business credit cards, then you should head over to their "Small Business Discussion" section.

Credit Boards are a great place for finding the best credit card offers, especially if you're looking for business cards. One of their most popular threads is called "Which Business Card Should I Get?".

You can also browse through the different categories and subcategories to find whatever you're looking for - but make sure to register before you start posting!

Credit Boards

If you're searching for the best credit cards to use on Amazon, then take a look at the "Amazon" section. They have thousands of members who participate in these types of discussions, so you should definitely check it out if that's your biggest problem right now.

Overall, Credit Boards is a great place to discuss your credit situation. You can ask questions or simply browse through the different threads that have been posted in this forum - it's a great way to kill time and learn about what others are doing to help boost their credit scores.

If you're not sure where to start, try looking for cards targeted toward people with low credit scores. You can find these in their "Credit Cards for Poor Credit" section - but if you're having trouble finding what you're looking for, then use the search tool on top of this page.

3. Nerd Wallet:

Nerd Wallet claims to be a "resource for financial information," but what they really mean is that they have a lot of credit card offers! They have pages and pages of different banks, offering everything from student cards to cashback cards.

Unfortunately, this website is completely free (if you don't count all of those annoying ads). They have a chat box where you can start asking questions, but I would probably recommend going to one of the other forums on this list instead.

Nerd Wallet

Nerd Wallet is great if you're looking for new credit card offers - but there are tons of other websites that offer the same thing at no cost. If you're looking for reviews, then this might be your best option.

4. Credit Karma:

Credit Karma is probably the most famous website on this list - it's also completely free to join and use! They have tons of reviews, credit scores - and even advice on how to fix your credit!

Surprisingly, Credit Karma is not owned by FICO. Instead, they are partnered with TransUnion and Equifax - which means that you can get your credit score for free! You don't even need to sign up or create an account before you check out all of this website's features.

Credit Karma

The best thing about Credit Karma is that it's completely legitimate. They're partnered with TransUnion and Equifax, which means that they're actually allowed to provide you with your credit score and information.

If you're wondering whether or not this website is a scam, then I would highly recommend reading the reviews posted by other users on their official Facebook page. Credit Karma is completely safe, and there's no reason not to check it out!

5. Credit Sesame:

The last website on this list claims to be the "best tool for your money." Its entire purpose is to help consumers get started with their financial journey - which means that they offer everything from credit cards to student loans!

What I like about Credit Sesame is that they don't just focus on credit cards. Instead, they also help you manage your student debt (if you have any) and personal loans. This website truly has it all - which is why I would recommend checking them out if you're thinking about applying for any type of loan.

Credit Sesame

Credit Sesame is not free, but they do offer a 30-day trial period that you can take advantage of before committing to their services. For the price (which ranges anywhere between $9 and $20), I would definitely say that this website is worth checking out!

Overall, Credit Boards is a great place to get started with your financial journey. If you're looking for good credit card offers or just want to find out more about how credit works, then this website will definitely help you get on the right track!

6. Credit Card Insider:

This website claims to be the "best source for credit card reviews," - which I would have to agree with. They offer reviews, advice on how to get started with your credit journey, and tons of different types of cards - all in one convenient location!

One thing that I really like about Credit Card Insiders is that they don't just focus on student credit cards or cashback cards. Instead, they offer reviews of all types of different cards - meaning that there's something for everyone!

The best thing about this website is the fact that it's completely legitimate. They're not owned by any banks, and instead, they're partnered with - which means that the reviews and advice offered on this website are trustworthy and reliable!

If you want to learn more about how credit cards work, or if you want help choosing the right card for you, then Credit Card Insider is definitely worth checking out!

7. Card Rates:

This website claims to be a "comprehensive source for credit cards and interest rates." While they don't have as many reviews as some of the other websites on this list, they definitely have a lot of useful information. They have articles about how credit works and student loans and even offer advice on how to improve your credit!

What I like about this website is that they offer information, resources, and advice for free. This means that you don't actually have to sign up or make an account before checking it out - although if you do decide to create an account, then you'll be able to take advantage of their other services, which include a free credit score and tracker.

One other thing that I like about this website is that they offer resources for every type of person - whether you're looking for student loans or bad credit car options, CardRates has you covered!

Overall, CardRate isn't the most popular website on this list, but I definitely think that it's worth checking out! They're well known for their credit cards - although they do offer student loans, money management, and personal loans as well.

If you want to learn more about how credit works or are looking for advice on how to start improving your credit, then CardRate will help you get started!

Let Us Go-Ahead To Some Basics:

What Is A Credit Card?

A credit card is a small plastic card that issues a line of credit to help you make purchases, typically of everyday items. When you purchase something with a credit card and pay your monthly statement in full and on time, you're not charged interest fees.

All major credit cards have an expiration date and a security code printed on the back of the card. Some also have a signature panel on the back for added security.

When you request a credit card, the issuer verifies your identity before issuing it to you. You will likely be required to provide some financial information, such as your current income and the source of any assets that you own. If you're not employed or have a low income, you might have difficulty getting a credit card.

Once your application is approved and the card is issued, you can use it as much or as little as you want. You should make an effort to pay at least the minimum balance due on time every month since paying late will incur fees and hurt your credit history. On the other hand, using your card too much can hurt your credit score.

The issuer reports information about your credit card account to the three major credit bureaus on a monthly basis so they can track your payment history and determine what type of risk you are as a borrower.

How Do Credit Cards Work?

You can use a credit card at a store or online anywhere that accepts them. But you should only shop at reputable businesses and make sure you know exactly how much your purchase will cost before swiping your card. Most cards have an advertised price for purchases, but some stores add extra fees to the price.

When you make a purchase, the card issuer will provide you with an amount of credit. For example, if you have a $1,000 line of credit and charge $32.35 for your sandwich at the deli, the issuer puts that charge on your statement as $32.35 plus all applicable fees and finance charges.

Credit cards can offer rewards programs, introductory interest rates, and other benefits. But to take advantage of any added perks, you must pay off your statement balance in full every month. Otherwise, the issuer will start charging interest on any remaining balance at an even higher rate than before.

To avoid finance charges without paying your balance off every month, you can choose to pay off your entire credit card balance before the due date on your statement (some issuers allow up to 60 days). But this will require you to pay a great deal of interest.

Alternatively, if you want to avoid paying any interest and don't mind keeping track of how much you owe, then consider setting up a zero-interest balance transfer.

If you ever have a problem with a payment or a purchase, talk to your card issuer as soon as possible. Most issuers will work with you to fix any issues that arise from unauthorized charges, identity theft, billing errors, and other problems.


The world of credit cards is a vast and profitable one! From introductory rates, rewards points, annual fees to sign-on bonuses, and more! There are credit cards for people with bad or fair credit.

You can even get a student card if you're still in school! And don't let the initial rate scare you off because it's temporary!

There are benefits to having a credit card, but there are also risks. If you're not able to pay your credit card bill by the due date, expect to be charged interest and finance charges.

Making minimum payments on time each month will help you build a good history so you can qualify for better rates in the future. But if you carry a balance from one month to the next, know that this behavior will hurt your credit score.

Michael Restiano

I lead product content strategy for SaltMoney. Additionally, I’m helping our broader team of 4 evolve into a mature content strategy practice with the right documentation and processes to deliver quality work. Prior to Instacart, I was a content strategy lead at Uber Eats and Facebook. Before that, I was a content strategist at SapientNitro, helping major Fortune 500 brands create better, more useful digital content.