Legal notice

Updated 26 September 2026.

CreditCart is operated by Shivendra Agarwal, sole proprietor trading as Excel Edge Solutions. GSTIN: 23BDQPA1717A1ZA.

Registered principal place of business: Swadesh Dal Mill Compound, Raishaldar Colony, Chhola Road, Bhopal, Madhya Pradesh 462001, India.

Operational and correspondence address: 66, Shree Golden City, Jatkhedi, Misrod, Bhopal, Madhya Pradesh 462026, India.

Customer care: exceledgesolutions@gmail.com or +91 9301746230.

Independent AI-assisted research

CreditCart is an independently compiled, AI-assisted research reference based on publicly available internet sources and our interpretation. AI has been used substantially in preparing and organising the material. It can contain errors, omissions, outdated information or incorrect interpretations; it has not been approved or certified by card issuers.

The content is educational information, not personalised financial, investment, legal or tax advice. We do not issue credit cards, process applications or determine eligibility. We do not guarantee approval, rewards, savings, eligibility, access to benefits or any other outcome. Check the current issuer terms and obtain qualified advice where appropriate before acting.

CreditCart has no bank affiliations, sponsorships or referral commissions. Bank, card-network and programme names identify the subjects of research. Their trademarks and any third-party material remain subject to their respective rights; references do not imply endorsement or grant permission to reproduce that material.

Current sources and corrections

A citation identifies a source; it is not issuer certification, a licence to reproduce the source or proof that the issuer’s terms remain unchanged. Check source dates and the issuer’s current documents. Report errors using the card name, file name, page or section and relevant source link. Do not send card credentials.

Product scope

CreditCart sells downloadable research references, not financial products, approvals or personalised advisory services. No bank affiliation, sponsorship or referral commission is claimed.

Complaints and grievance contact

Grievance Officer: Shivendra Agarwal, Proprietor. Email and phone: exceledgesolutions@gmail.com or +91 9301746230. Correspondence: 66, Shree Golden City, Jatkhedi, Misrod, Bhopal, Madhya Pradesh 462026, India. Please identify your order, the issue and the resolution requested. Do not include passwords, PINs, CVVs or full card numbers.

We acknowledge consumer complaints within 48 hours and address them within one month of receipt. We provide a complaint reference for follow-up. These timelines do not shorten any rights or remedies available under applicable law.