Terms of Service
Effective Date: March 1, 2026
Acceptance of Terms
By accessing and using 524Tracker (524tracker.com), you agree to these Terms of Service. If you do not agree, do not use the site.
Service Description
524Tracker provides a free, browser-based tool that helps users track credit card applications and understand bank-specific application rules. The tool stores all data locally in your browser using localStorage. No account is required.
Not Financial Advice
524Tracker is an informational tool only. Nothing on this site constitutes financial advice, credit counseling, or a recommendation to apply for or avoid any credit card. We do not guarantee that any bank rule documented on this site is current or accurate. Bank rules change frequently and without notice. Always verify rules directly with the card issuer before making application decisions.
No Guarantee of Approval
Meeting a bank's stated application rules does not guarantee approval. Credit card approval decisions involve many factors including credit score, income, existing debt, account history, and other criteria that are beyond the scope of this tool.
Affiliate Disclosure
524Tracker may earn a commission when you apply for and are approved for a credit card through affiliate links on this site. This compensation does not influence our editorial content, tool calculations, or rule documentation. Affiliate relationships do not affect how we present bank rules or recommend cards.
Data and Privacy
All credit card application data you enter into the tracker is stored exclusively in your browser's localStorage. We do not collect, store, or transmit this data. See our Privacy Policy for complete details on data handling.
Accuracy of Information
We make reasonable efforts to keep bank rules and card information up to date. However, we cannot guarantee the accuracy, completeness, or timeliness of any information on this site. Bank policies can change at any time without notice. Use this tool as a reference, not as the sole basis for financial decisions.
Limitation of Liability
524Tracker is provided “as is” without warranties of any kind. We are not liable for any damages arising from your use of this site, including but not limited to credit card application denials, credit score impacts, lost data, or financial losses.
Intellectual Property
All content, design, and code on 524Tracker is the property of 524Tracker. You may not copy, modify, or distribute our content without permission. Bank names, card names, and logos are trademarks of their respective owners.
Changes to Terms
We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the updated terms.
Contact
For questions about these terms: legal@524tracker.com