Americans paid $130 billion in credit card interest and fees in 2025. AI detects annual fee errors, interest miscalculations, penalty APR errors, and foreign transaction overcharges.
What AI Detects
Annual Fee Errors - Fees charged during waived periods. Retention credits not applied.
Interest Calculation Errors - Daily periodic rates exceeding disclosed APR. Average recovery: $120.
Penalty APR Misapplication - Applied after one late payment when agreement requires two or more.
Foreign Transaction Fees - Charged on domestic purchases processed internationally. Affects 5% of cardholders.
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