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As someone who frequently writes about various credit card offers, including the features, benefits, and potential pitfalls of certain ones, it doesn’t take long to realize how confusing the world of credit cards can be. Between interest rates, terms and conditions, rewards or no rewards, it can get a bit overwhelming for almost anyone.
Creditland is a website offering a potential break from all the confusion surrounding credit and brands itself as a trusted resource for those who want to cut through all the noise. Could it help you in your credit journey? We take a closer look to find out.
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What is Creditland?
Creditland is an independent website that gathers all the information you need about the latest credit card offers, including user-friendly options and insights from credit specialists. Whether you're seeking a new credit card with the best balance transfer introductory period, the lowest interest rate, or a secured option for those with less-than-perfect credit, Creditland has you covered. The site also offers substantial financial education and information to help readers make well-informed decisions. How does Creditland work?
Creditland doesn’t actually issue any credit cards, instead it reviews many of the offers you can find in the marketplace. If you find a credit card that meets your financial criteria, you can typically apply through the Creditland website, www.credit-land.com.
Creditland is an advertising-supported website. Meaning, it receives compensation from each application submitted through the website. Consumers should note this can also impact where you see certain credit cards on a page or the order where they ’re listed in a review post.
Features
Credit card reviews
First and foremost, you’ll notice Creditland offers a full suite of extensive credit card reviews. This includes grouping cards that fit within a certain category, including:
Cards by rewards
Cards by 0% or low APR
Cards with no fees
Limited credit options
Cards based on credit history (no, limited, fair, good, or excellent credit)
This makes it much easier to navigate and narrow down to the type of credit card you’re most interested in or cards that match your credit score and profile. Grouping credit card reviews saves you time because you’re not reading through numerous reviews that do not apply to your situation. You can even search by credit card issuer, such as Discover, if there’s a specific brand you’re interested in researching.
Each review features a rating assigned by Creditland, on a five-point rating scale. The Creditland experts assign the ratings after evaluating key aspects of each card, such as interest rates, fees, benefits, rewards programs, and customer service.
Financial education
Another helpful feature of the Creditland website is its library of financial education, most of which is related to credit cards. But unlike other websites that stop short of offering anything in-depth, Creditland has various resources and financial advice related to credit cards, including useful tools such as a balance transfer calculator. There’s also a library of the latest credit card news and trends in the industry that impact consumers, plus an FAQ section to address common questions about credit.
Customer service center
Another interesting feature of Creditland – which you don’t often see with other sites — is a customer service center. You can use the drop-down menu and form to contact a customer service representative if you need company information, have technical questions, etc. However, you can also ask credit-related questions if you can’t find the answers in the extensive FAQ section.
Credit card navigator
The credit card navigator is another tool you’ll find on the website. You start by inputting personal information, such as your credit score range, your primary goal for a credit card (rewards, everyday purchases, balance transfers, or business expenses), and any other specific goals you may have. Once the tool has this information, it produces several credit card recommendations for you to explore.
As a side note, the information it asks for is vague. Still, you should never supply sensitive financial information (including credit and debit card numbers, social security numbers, or the like) without first reviewing a site’s security settings and ensuring there is an SSL certificate.
Who does Creditland work best for?
Creditland may be a strong alternative for anyone in the research phase of selecting a credit card or simply curious about improving their credit history. There is no pressure on the Creditland site to apply for any particular credit card but to find the most appropriate match for your financial needs.
It may also be a good choice for anyone needing " plug-and-play " tools, such as calculators and credit card recommendations based on personal inputs.
Who should avoid using Creditland?
Creditland is definitely geared toward those who are either actively educating themselves about credit and credit cards or seeking the opportunity to add a credit card to their wallet. If these aren’t one of your short-term goals, then you may not find the website as helpful.
Creditland is a legitimate, advertiser-supported company. It was founded in 1998 and specializes in posting current reviews of credit cards and offers, so consumers can find the best match based on their goals and credit history. You can apply for credit cards through the website, and Creditland guides consumers through the selection process.
How can I find my credit score?
Knowing your credit score before you apply for a credit card is an essential step, because it can help you find a credit card where you have a higher chance of approval and is well-suited to your needs. You can find your credit score with each of the three credit bureaus — Experian, Equifax, and TransUnion by visiting each website. You can also get one copy of your credit report each year for free at annualcreditreport.com.
What is considered a bad credit score?
Each of the three credit bureaus has its own calculation and credit score modeling; however, the FICO scoring is used by 90 percent of the lenders in the U.S. Bad credit is typically considered any credit score falling between 580 and 669 with the FICO scoring.
Establishing or rebuilding your credit score through the smart use of credit cards can take time and may require the use of tools, reviews, and ratings of credit cards along the way. Creditland offers an option for consumers who are carefully trying to match a credit card to their personal financial goals and educate themselves on credit along the way. The website not only features current reviews and ratings for popular credit cards, but it also includes customer reviews for the best credit cards, along with the latest credit card news and features that consumers may care about. This comprehensive approach helps make informed decisions based on expert opinions and real customer experiences.
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Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.
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