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.
The StackEasy Bureau Pull Database
Our own dataset tracking which credit bureau (Experian, Equifax, or TransUnion) each major card issuer tends to pull when you apply, broken down by state. It covers 9 major issuers across all 50 states and is compiled from publicly posted application reports in communities like Doctor of Credit and the MyFICO forums.
The raw data is published as a free JSON file at /api/bureau-pulls.json and presented on the bureau pull data page. Because pull behavior is crowdsourced and issuers change it without notice, 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. The bureau pull database JSON is also free to use in your own tools and research under the same attribution terms. 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.