They are a grassroots consumer advocacy organization devoted to educating consumers about credit cards. They also offer consumer information for U.K and Canadian consumers. This organization was founded in response to a growing national backlash against credit card debt.One of the primary methods that is employed to fight credit card debt is providing consumers with ratings of credit cards. Currently they offer consumer information regarding approximately 1000 unique credit card offerings, including two searchable databases containing approximately 1,100 credit card descriptions. On a related note, they provide all of the data (card terms and conditions) for the credit card and atm/debit survey published by the New York State Banking Department, the oldest bank regulatory agency in the nation. What is more, they also offer over approximately 19,000 consumer reviews of almost 1,000 cards written by consumers throughout the country. Disclosing such information often helps consumers find more attractive credit cards and, in turn, helps them lower their credit card debt. Another added benefit is that such disclosures encourage stronger competition among credit card issuers.Since its founding, they expanded their role and online offerings. For example, they now provide ratings of credit cards that are consumer friendly in terms of rebates and rewards. Such cards are geared toward consumers that do not typically carry balances. They have also started to recognize credit card issuers that have highly rated cards by creating a "Top Rated Card" award seal. Finally, they also now publish consumer data related to atm and debit cards.