Citizens for Fair Credit Card Terms, Inc. (CFCCT) was founded by Curtis Arnold, a nationally recognized consumer advocate, in response to a growing national backlash against credit card debt. The award-winning website, CardRatings.com, is designed to fight credit card debt by providing consumers with impartial evaluations of bank issued credit cards. It features two searchable databases with approximately 1,100 credit card descriptions as well as over 19,000 reviews submitted by consumers throughout the country. Disclosing such information often helps consumers find more attractive credit card terms and thus helps them lower their credit card debt. In addition, the site recognizes credit card issuers that have highly rated cards by creating a "Top Rated Card" award graphic.
Public Interest Research Groups (PIRG) are a network of independent, state-based, citizen-funded organizations that advocate for the public interest. Since 1970, they have been delivering results-oriented citizen activism to protect our environment, encourage a fair and sustainable economy, and foster a responsive democratic government. There campaign for responsible lending includes an excellent website for consumer credit-related issues.