(CFCCT) http://www.cardratings.org is a grassroots, consumer credit service organization that was founded in August 1998 (and went online the same month) in Little Rock, Arkansas, in response to a growing national backlash against credit card debt. Arkansas is nationally known for its interest in credit issues that are important to consumers. Arkansas' unique usury laws, which place restrictions on the interest rates that Arkansas banks can charge for credit cards, loans, etc., are a prime example of the state's commitment to consumers. CFCCT "fights" credit card debt by finding the most attractive cards in the country and disclosing this information to the public. Such disclosures help consumers lower their credit card debt and also encourage stronger competition among banks. Another role of CFCCT is to highlight credit cards that are consumer friendly in terms of rebates / perks. Since its founding, CFCCT has quickly become the most popular independent consumer credit organization devoted to credit cards on the entire world wide web according to the web site tracking company the World 1000. To find out about awards we have won, please visit our Awards page. CFCCT is an independent source of consumer information and is not affiliated with any bank, credit card, or government interest. CFCCT does not charge consumers for its service. Instead, the organization relies on site sponsors for financial support. Information provided by CFCCT is intended for consumer use only.