Last Updated: August 22, 2026
At ChargeOnCreditCards.com, we understand that financial information needs to be accurate, clear, and trustworthy. Our Fact-Checking Policy explains how we research, verify, review, and update information before and after publication.
Our goal is to provide readers with reliable, practical information about credit card charges, fees, billing descriptors, interest, transactions, subscriptions, and related financial topics.
Our Commitment to Accuracy
We make reasonable efforts to ensure that information published on ChargeOnCreditCards.com is accurate, relevant, and understandable.
Because financial products, merchant policies, fees, interest rates, subscription terms, and regulations can change, we recognize that maintaining accuracy is an ongoing process.
We therefore review and update content when we become aware of significant changes, errors, outdated information, or credible corrections.
What We Fact-Check
Depending on the subject, our fact-checking process may cover:
- Credit card fees and charges
- APR and interest terminology
- Balance transfer fees
- Cash advance fees
- Foreign transaction fees
- Late payment and penalty charges
- Billing descriptors
- Merchant and subscription information
- Cancellation procedures
- General financial terminology
- Statements about financial products or services
- Information about companies and payment providers
- Regulatory or consumer-protection information
- Other factual claims made in our articles
Not every statement requires the same level of verification. We prioritize claims that could materially affect a reader’s financial decisions.
Sources We Use
When researching an article, we aim to prioritize reliable and authoritative sources.
Depending on the topic, sources may include:
Official Company Sources
When discussing a particular credit card, merchant, subscription, payment provider, or financial service, we may consult the company’s official website, terms, billing information, help center, or customer-support documentation.
Government and Regulatory Sources
For regulatory, consumer-protection, or legal information, we may consult relevant government agencies, regulators, and official publications.
Financial Institutions
Where appropriate, we may review information published by banks, credit unions, credit card issuers, and other established financial institutions.
Primary Sources
We prefer original or primary sources whenever they are available and relevant.
Reputable Secondary Sources
For additional context, we may consult established financial publications, reputable research organizations, and other credible sources.
Source Selection
We consider several factors when evaluating a source, including:
- Authority
- Relevance
- Recency
- Accuracy
- Originality
- Transparency
- Consistency with other reliable sources
When information conflicts across sources, we seek to identify the most authoritative and current source available.
Verifying Credit Card Charges
Credit card billing descriptors can sometimes differ from the consumer-facing name of a business.
For example, a transaction may appear under:
- A shortened merchant name
- A parent company
- A payment processor
- A billing service
- A subscription provider
- A legal business name
- A different descriptor used by the merchant’s payment system
For this reason, we do not automatically assume that an unfamiliar billing descriptor represents fraud.
Our articles may explain possible reasons a charge appears and provide practical steps for verifying it.
However, we cannot independently access or verify individual readers’ credit card accounts or transactions.
Financial and Regulatory Information
Financial regulations, credit card terms, fees, and consumer protections may change.
When an article discusses laws, regulations, financial rules, or consumer protections, we make reasonable efforts to verify the information against current authoritative sources.
Readers should understand that general information on our website may not reflect every jurisdiction or individual circumstance.
For important legal or financial decisions, readers should consult the applicable official source or a qualified professional.
Fact-Checking Before Publication
Before publishing an article, we may review important factual claims for:
- Accuracy
- Internal consistency
- Source reliability
- Current relevance
- Potential ambiguity
- Unsupported claims
- Misleading statements
Where appropriate, factual claims may be checked against multiple sources.
We aim to distinguish clearly between verified information, reasonable possibilities, examples, and general guidance.
Updating Published Content
Fact-checking does not end when an article is published.
We may update articles when:
- A company changes its policies
- A fee or pricing structure changes
- A cancellation process changes
- A financial product changes
- A regulatory requirement changes
- A previously published statement is found to be inaccurate
- A credible source provides new information
- Readers identify a legitimate error
- Important information becomes outdated
Significant updates may be reflected through an updated publication or modification date.
Corrections
If we discover that an article contains an inaccurate or misleading factual statement, we aim to correct it as reasonably soon as possible.
Corrections may include:
- Updating an inaccurate statement
- Replacing outdated information
- Removing unsupported claims
- Adding clarification or context
- Updating links or sources
We do not intentionally leave known factual errors uncorrected.
Reader Corrections
We welcome readers who identify factual errors or outdated information.
If you believe something on ChargeOnCreditCards.com is incorrect, please contact us at:
contact@ChargeOnCreditCards.com
When submitting a correction, please provide:
- The article or page URL
- The specific statement you believe is incorrect
- An explanation of the issue
- A reliable source supporting the correction, if available
We review correction requests based on the available evidence. A submitted correction does not automatically mean that an article will be changed.
Editorial Independence
Our editorial content is intended to be based on research and reader usefulness.
Advertising, affiliate relationships, or other commercial relationships should not determine whether factual information is presented accurately.
Where applicable, commercial relationships will be disclosed in accordance with our policies and applicable requirements.
AI-Assisted Content
Technology, including artificial intelligence tools, may be used as part of our research, drafting, editing, or content-production processes where appropriate.
AI-generated or AI-assisted material is not treated as automatically accurate.
Important factual claims remain subject to editorial review and verification before publication when appropriate.
We do not rely solely on AI-generated information as an authoritative source for financial, legal, regulatory, or other high-impact claims.
Limitations of Our Fact-Checking Process
Although we make reasonable efforts to verify information, we cannot guarantee that every statement on ChargeOnCreditCards.com will always be completely accurate or current.
Third-party websites, company policies, financial products, fees, and regulations can change without notice.
Some information may also be difficult to verify because businesses may not publicly disclose certain billing practices or because individual transactions are private.
For this reason, readers should verify important information directly with the relevant credit card issuer, bank, merchant, or other official source.
What We Do Not Claim
ChargeOnCreditCards.com does not claim to:
- Have access to private banking or credit card records
- Independently verify individual transactions
- Guarantee that a specific charge is legitimate or fraudulent
- Guarantee the outcome of a dispute
- Provide personalized financial, legal, or tax advice
- Speak on behalf of banks, merchants, credit card issuers, or regulators
Our content is designed to provide general information and practical guidance.
Commitment to Transparency
We believe readers should be able to understand where important information comes from and how it is evaluated.
When appropriate, we identify or link to relevant sources so readers can conduct their own research and verify important details.
We aim to correct meaningful errors rather than hide them and to update content when material facts change.
Contact Us
If you have questions about our fact-checking process or believe that an article contains inaccurate or outdated information, please contact us.
ChargeOnCreditCards.com
Email: contact@ChargeOnCreditCards.com
We appreciate readers who help us maintain accurate, useful, and trustworthy content.
Policy Updates
We may update this Fact-Checking Policy as our editorial processes, website, technology, or applicable requirements evolve.
Any changes will be reflected on this page with an updated Last Updated date.