Federal Reserve Economic Data (FRED)
Our market statistics pull from these Federal Reserve series, refreshed monthly:
- TERMCBCCALLNS: average credit card APR across all commercial bank accounts.
- REVOLSL: total revolving consumer credit outstanding.
- DRCCLACBS: credit card delinquency rate at commercial banks.
- CORCCACBS: credit card charge-off rate at commercial banks.
These power the credit card statistics page, where each figure links back to its series.
Issuer Published Terms
Annual fees, rewards rates, APRs, and welcome offers in card reviews come from the issuer's own website and cardmember agreements. These are the primary source for every card fact we publish. When issuer marketing pages and cardmember agreements disagree, the agreement wins. How we keep these facts current is covered in our methodology.
Credit Bureau Pull Patterns
Our credit bureau pull guide summarizes publicly reported patterns — which credit bureau (Experian, Equifax, or TransUnion) each major card issuer tends to pull, by state — compiled from Doctor of Credit, issuer materials, and community reports like the MyFICO forums. StackEasy does not run its own survey or maintain a live database of bureau pulls; issuers change pull behavior without notice, so treat this as a directional signal rather than a guarantee.
Public Regulatory and Company Filings
Where articles cite complaint volumes, enforcement actions, or issuer business figures, they draw on the CFPB's public consumer complaint database, FTC and CFPB enforcement announcements, and company SEC filings. These citations link to the specific source in the article where they appear.
Citing StackEasy
StackEasy data is free to cite with attribution. Link to the page you are citing, name StackEasy as the source, and you are set. If you need something specific, email hello@stackeasy.ai.
Related Policies
Read the Methodology for how these sources become published numbers, the Editorial Policy for how content is written and corrected, and How We Make Money for our revenue disclosure.