Last Updated: September 12, 2026
At ChargeOnCreditCard.com, we aim to publish accurate, reliable, and useful information about credit card charges, billing, subscriptions, fees, refunds, transaction descriptions, and related consumer topics.
Because information about merchants, credit card issuers, payment practices, fees, and regulations can change, we use a fact-checking process designed to reduce errors and keep our content as reliable as reasonably possible.
Our Fact-Checking Commitment
We make reasonable efforts to verify factual claims before publishing and when substantially updating existing content.
Our fact-checking process focuses particularly on information that could affect a reader’s understanding of:
- Credit card charges
- Merchant billing practices
- Subscription and recurring payments
- Fees and charges
- Refund procedures
- Cancellation policies
- Credit card disputes
- Consumer rights
- Financial or regulatory requirements
We recognize that no fact-checking process can eliminate every possible error. Readers should independently verify account-specific or time-sensitive information with the relevant company or financial institution.
Source Selection
We prioritize reliable and authoritative sources when verifying information.
Depending on the subject, sources may include:
- Official merchant websites
- Official credit card issuer websites
- Government websites
- Regulatory agencies
- Official company policies and documentation
- Publicly available terms and conditions
- Reputable financial and industry publications
Primary sources are generally preferred when they are available and relevant.
For claims involving a specific company, we generally aim to consult information provided directly by that company rather than relying exclusively on third-party descriptions.
Cross-Checking Information
When practical, important factual claims are checked against more than one reliable source.
If sources provide conflicting information, we may investigate the discrepancy further and present the information with appropriate context.
Where a definitive answer cannot reasonably be established, we aim to communicate the uncertainty rather than presenting an assumption as fact.
Merchant and Credit Card Information
Information about a particular merchant or credit card charge may vary depending on:
- Card issuer
- Card network
- Transaction type
- Merchant
- Location
- Subscription or membership terms
- Date of the transaction
- Individual account circumstances
For this reason, we avoid treating one reported experience or transaction description as universally applicable.
When discussing a specific charge, we may explain common possibilities while encouraging readers to confirm the transaction with their card issuer or the merchant.
Financial and Regulatory Information
Financial regulations, consumer protections, fees, and industry practices can change.
When publishing information involving laws, regulations, or official requirements, we aim to use current authoritative sources where practical.
General information about financial or legal requirements should not be interpreted as individualized financial or legal advice.
Readers with account-specific or legally significant questions should consult the appropriate institution or qualified professional.
Dates and Time-Sensitive Information
Some information becomes outdated quickly.
This may include:
- Fees
- Subscription prices
- Cancellation procedures
- Refund policies
- Merchant contact information
- Terms and conditions
- Credit card issuer policies
- Regulatory requirements
When relevant, we consider the date associated with a source and may include dates or update information in an article to provide additional context.
An article’s publication or update date does not mean that every fact on the page was independently verified on that exact date.
Use of Third-Party Sources
Third-party sources may be used to provide context, identify common consumer experiences, or supplement primary-source research.
When using third-party information, we consider factors such as the source’s reputation, relevance, recency, and consistency with other available information.
We do not automatically treat user-generated content, forum posts, social media comments, or individual experiences as established facts.
User Reports and Community Information
Readers may contact us with information about unfamiliar charges, merchant practices, refunds, subscriptions, or other billing experiences.
Individual reports can help identify topics that deserve further investigation, but an individual report is not automatically considered verified information.
Where appropriate, we may use such reports as leads for additional research rather than as definitive evidence.
AI-Assisted Research and Content
Artificial intelligence tools may be used in certain editorial workflows, including research assistance, organization, drafting, editing, or summarization.
AI-generated information is not treated as automatically accurate.
Important factual claims are subject to human review and, where appropriate, verification against reliable sources before publication.
We aim to avoid presenting unsupported AI-generated statements as established facts.
Corrections
If we discover a factual error, we aim to correct it as appropriate.
The type of correction may depend on the nature and significance of the error.
For substantial factual errors, we may update the relevant content and, when appropriate, include a correction or clarification.
Minor spelling, grammar, formatting, or stylistic changes generally do not require a correction notice.
How to Report a Potential Error
We encourage readers to notify us if they believe an article contains inaccurate, outdated, or misleading information.
Please email:
contact@chargeoncreditcard.com
When possible, include:
- The URL of the relevant article
- The specific statement you believe is incorrect
- An explanation of the issue
- A reliable source supporting the proposed correction
Providing supporting evidence helps us investigate the issue efficiently.
Editorial Review
Fact-checking is part of our broader editorial process.
Depending on the article, our review may consider:
- Whether factual claims are supported by reliable sources
- Whether primary sources are available
- Whether important information is current
- Whether claims are presented with appropriate context
- Whether uncertainty is clearly communicated
- Whether potentially misleading statements should be clarified
The level of review may vary depending on the subject, complexity, and potential impact of the information.
No Guarantee of Absolute Accuracy
Although we make reasonable efforts to verify our content, ChargeOnCreditCard.com does not guarantee that every article will always be completely accurate, current, or free from errors.
Information can change after publication, and third-party websites and policies may be updated without notice.
Readers should verify important information directly with the relevant merchant, credit card issuer, financial institution, government agency, or qualified professional.
Editorial Independence
Fact-checking decisions are made with the goal of improving accuracy and reliability.
Advertising, affiliate relationships, sponsorships, or other commercial relationships should not determine whether a factual claim is considered accurate or whether a correction is made.
Contact Us
If you have questions about our fact-checking practices or would like to report a potential factual error, please contact:
ChargeOnCreditCard.com
Email: contact@chargeoncreditcard.com
We appreciate reader feedback and welcome credible information that helps us improve the accuracy and usefulness of our content.