My Credit Guide is an independent reference for consumer credit, focused on the market below a 670 score. Card reviews are verified against issuer disclosures and re-checked on a published schedule. Market data — average APRs, federal complaint records, tier pricing — is drawn directly from the Federal Reserve and the CFPB and updates automatically.
Coverage
Credit Cards for Bad Credit
Secured, unsecured, and no-deposit cards — every product verified against its issuer’s own disclosures, costs stated first.
Card Reviews
OpenSky, Capital One Platinum Secured, Milestone, Indigo, Mercury — with federal complaint records on each.
Calculators
Payoff timelines, interest cost, snowball vs. avalanche, utilization. Free, in-browser, no signup.
Current Market Data
Average card APR from the Fed’s G.19 release and tier pricing computed from CFPB survey files, refreshed automatically.
Dispute Letters
Free bureau and furnisher templates with the CFPB-verified process and timelines.
Learn
Direct answers to the questions this market actually asks, sourced to primary documents.
Recent analysis
Secured vs. unsecured credit cards: the real difference
Milestone vs. Indigo: same card, two names
Can I get a credit card with a 500 credit score?
How fast does utilization change your score?
How this site works
Product terms come from issuer pricing documents and cardholder agreements, with the verification date shown on each page. State-law figures cite the state’s own code. Complaint data comes from the CFPB’s public database and refreshes weekly. Some product links are affiliate links; compensation never affects a rating, and the full policy is in How We Make Money and the Editorial Methodology.