Data Accuracy Policy

Dracit's rewards math runs against a maintained table of Canadian credit-card rates and benefits. We build that table from an owner-maintained vault of official card agreements and other official issuer information, not from blogs, forums, or AI guesses. The goal is that every active earn rate in your audit traces back to readable official evidence.

We use sources in this order for card economics:

• Owner-vault official agreements. Readable cardholder agreements, reward terms, rates-and-fees documents, disclosures, and insurance certificates maintained for source verification.
• Other official issuer sources. Current product pages, program terms, disclosures, and certificates published by the bank, issuer, or reward program.

We do not treat affiliate pages, third-party blogs, or AI-generated summaries as final truth. They may help us find official evidence, but readable official evidence is what controls the active data. An unreadable, incomplete, or conflicting document does not prove a value.

Dracit currently retains a 190-card research archive, which can include incomplete, quarantined, legacy, or discontinued records. Presence in that archive does not mean a card is supported for current recommendations.

Only the 12-card vault-active setis eligible for current recommendation math. A card moves into that set only when its required active economics are backed by readable official evidence and it passes the repository's validation boundaries.

Each card's key data carries a last-verified date noting when we last confirmed it against an official source. A last-verified date tells you how fresh the figure is; it is not a promise that the issuer has not changed something since. When in doubt, confirm directly with the issuer, as covered in our Financial Disclaimer.

Some details are ambiguous, vary by individual, or are not clearly published. Where we cannot confirm a value from an official source, we prefer to leave it out or mark it as uncertain rather than guess. If a card is missing or a field is blank, that is usually deliberate; it means we have not verified it yet.

We aim to re-verify card data on a regular cadence and whenever an issuer announces a change or internal source review identifies an issue. This is a target, not a guarantee that every card is current at every moment.

No public correction channel is active yet. Before launch, Dracit must publish and verify a monitored channel for card-data reports. Until then, do not send corrections or personal information to an unproven address.

After a monitored channel is active, this page will identify it and explain what non-sensitive card name, field, expected value, and official-source information can support a correction review.

Questions and corrections cannot be submitted through a public channel yet. See the contact status page for the current activation boundary.