Educational estimates only
CardCalc365 provides general informational and educational calculations. Results are estimates and are not financial, legal, tax, credit, or professional advice.
No guarantee of accuracy
Actual credit card balances, interest charges, minimum payments, fees, promotional rates, compounding methods, and issuer rules can differ. Verify important decisions using your issuer's official statements and terms.
No financial institution relationship
CardCalc365 is not a bank, lender, credit card issuer, debt settlement company, credit counseling service, or financial adviser.
User responsibility
You are responsible for the information you enter and how you use the results. Do not rely on this calculator as the sole basis for a financial decision.
Limitation of liability
To the fullest extent permitted by law, CardCalc365 and its owner are not liable for losses or damages arising from use of or reliance on this website or its calculator results.
Third parties
The site may contain third-party links or advertisements. CardCalc365 does not control third-party products, services, websites, claims, or policies.
Changes
These terms may be updated from time to time. Continued use after changes are posted constitutes acceptance of the revised terms.