Know what your credit card is really asking you to accept
Purchase, balance transfer and cash advance rates, promotional periods, fees, how payments are allocated and what a missed payment costs, explained from your own agreement.
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Upload your cardholder agreement or summary box. We'll explain what we can confirm and show what is missing.
What the review looks for
Conditions and protections like these, each quoted from your own documents
SneakyPromotional rate ends if a payment is late
One late payment and the promotional balance transfer rate goes, with the standard rate applied to the whole balance.
A promotion with a condition like this is only as good as the payment record behind it. Check exactly which events end it and what rate applies afterwards.
Payments go to the lowest-rate balance first
Your payment clears the cheap balance while the expensive balance keeps charging interest.
Allocation rules decide how much interest you pay when you carry more than one kind of balance. Your agreement states the order. Check which balance your payment clears first.
WatchfulNo interest-free period on cash advances
Interest on cash withdrawals starts the same day, and there is a fee on top.
Check whether the interest-free period in your agreement covers cash advances at all. Cash advance terms are different and worth reading before you use the card that way.
CleanRight to reject a rate rise
If the provider raises your rate, you can refuse the change and repay at the old rate.
A protection like this gives you a way out of a change you did not sign up for. Check the notice period and what you must do to use it.
How it works
Simple, transparent pricing
Buy credits once and use them anytime.
New accounts get their first full contract review free. No payment required.
The initial scan needs no account. The full review needs a free account.
One credit. Every clause read, translated, and rated. Saved to your account.
Scan is always free. Credits are for when you actually need to know what you're signing.
Frequently asked questions
What should I upload?
The cardholder agreement, the pre-contract information or the summary box, as a PDF, DOCX or pasted text. In the US the rates and fees table is often the first page of the agreement. Do not upload statements or anything with your card number.
Does the review tell me whether to take the card?
No. It explains the purchase, balance transfer and cash advance terms, the promotional rates and when they end, the fees, how payments are allocated and what happens if you miss one, and gives you questions to ask. It does not rank cards, judge affordability or recommend one.
Does it work out the APR or the total cost?
No. It quotes the rates and fees exactly as the documents state them and never calculates an APR, a total cost of borrowing or a saving.
What if the agreement refers to a document I do not have?
The review lists every document the agreement refers to that you did not supply, such as a rewards terms document or a price list, and marks the conditions that depend on it as not supplied.
Which countries does this work for?
Any English-language credit card agreement. The review explains what your documents say, not what the law in any country grants.
Is this legal advice?
No. The review tells you what a clause means and whether it is one-sided. What you do about it is your call. For anything serious, talk to a local lawyer.
What happens to my document after I upload it?
Your contract is processed and deleted immediately after analysis. We only save the analysis results to your account so you can access them later.
Guides worth reading first
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