About r/credit
CRedit's main goal is to help you improve your credit, keep it healthy, and support you in the decisions you make that may affect your credit livelihood. We are here to support you if you need advice on closing or opening a credit card, improving your credit profile and scores, removing inaccurate information from your reports, qualifying for a new card/mortgage/loan, investigating unknown information on your reports and much more.
The community at a glance
r/credit is a Subreddit for Points Chasers with roughly 371K members. It has been around since 2008. It uses a forum format for communication. It is the 7th largest community in the Credit Cards topic page.
Roughly 58K members have joined in the past year. Popular discussion topics include Credit, Credit Card, and Credit Score. Product recommendations often mention credit card, auto loan, and credit repair.
Community Topics
Community Features
This community has a forum
Subreddit Analysis
via GummySearchMember growth over time
All time (yearly)
- 2013: 75 members
- 2014: 2K members
- 2015: 1K members
- 2016: 2K members
- 2017: 2K members
- 2018: 5K members
- 2019: 17K members
- 2020: 26K members
- 2021: 29K members
- 2022: 24K members
- 2023: 38K members
- 2024: 80K members
- 2025: 99K members
- 2026: 46K members
Past year (monthly)
- Dec: 7K members
- Jan: 7K members
- Feb: 6K members
- Mar: 7K members
- Apr: 6K members
- May: 6K members
- Jun: 2K members
- Jul: 2K members
- Aug: 2K members
- Sep: 2K members
- Oct: 4K members
- Nov: 1K members
Topics
- Credit19 posts in the past month#119Credit
- Credit Card16 posts in the past month#216Credit Card
- Credit Score8 posts in the past month#38Credit Score
- Loan6 posts in the past month#46Loan
- Credit Card Debt5 posts in the past month#55Credit Card Debt
Flair
- General36 posts in the past month
- Why do lender refuse to speak when you record their calls? Why do They record if they dont want you to record?
- Back to 850
- Credit Karma prequalified me for a personalized 8.99% APR loan. Final offer was 21% APR with $2,500 in fees.
#136GeneralWhy do lender refuse to speak when you record their calls? Why do They record if they dont want you to record? · Back to 850 · Credit Karma prequalified me for a personalized 8.99% APR loan. Final offer was 21% APR with $2,500 in fees. - Collections & Charge Offs21 posts in the past month
- Debt collector first timer. What do I do?
- $67K in debt with a $250K household income. Should I settle or pay everything in full?
- Inevitable
#221Collections & Charge OffsDebt collector first timer. What do I do? · $67K in debt with a $250K household income. Should I settle or pay everything in full? · Inevitable - Rebuild21 posts in the past month
- How do I rebuild my credit score from 507 to around 650 in minimum time period.
- credit score of 537 at 22
- Please help these lates are tanking my score
#321RebuildHow do I rebuild my credit score from 507 to around 650 in minimum time period. · credit score of 537 at 22 · Please help these lates are tanking my score - Success6 posts in the past month
- 40 point increase
- Progress
- I'm Free of Credit One
#46Success40 point increase · Progress · I'm Free of Credit One - Bankruptcy4 posts in the past month
- Should I just go ahead and file for bankruptcy???
- Filing bankruptcy, debt not as bad as I thought should I cancel?
- American Financial Solutions
#54BankruptcyShould I just go ahead and file for bankruptcy??? · Filing bankruptcy, debt not as bad as I thought should I cancel? · American Financial Solutions
Product recommendations
- credit card14 posts in the past month
- Whats the best credit card for credit repair?
- What would be best first credit card to get with a 600 score
- Can someone recommend a credit card that I am likely to be approved for?
#114credit cardWhats the best credit card for credit repair? · What would be best first credit card to get with a 600 score · Can someone recommend a credit card that I am likely to be approved for? - auto loan5 posts in the past month
- Best strategy for auto loan
- Best credit unions to get an auto loan from with fair credit
- What's the best way to get an auto loan for 10k if I have a 545 score?
#25auto loanBest strategy for auto loan · Best credit unions to get an auto loan from with fair credit · What's the best way to get an auto loan for 10k if I have a 545 score? - credit repair4 posts in the past month
- What’s the best credit repair route that actually works long-term? DIY isn’t cutting it anymore
- Which credit repair company do you recommend?
- Recommended credit repair companies??
#34credit repairWhat’s the best credit repair route that actually works long-term? DIY isn’t cutting it anymore · Which credit repair company do you recommend? · Recommended credit repair companies?? - personal loan3 posts in the past month
- What is the best personal loan lender?
- What is the best option for a short term loan of about $300?
- Need advice on alternatives to personal loan/auto loan to meet my recommended quota for Mix of credit. Help.
#43personal loanWhat is the best personal loan lender? · What is the best option for a short term loan of about $300? · Need advice on alternatives to personal loan/auto loan to meet my recommended quota for Mix of credit. Help.
Community Reviews
Frequently asked questions
- Who is r/credit for?
- Best for Points Chasers enthusiasts looking for a Reddit-based community with forum discussion.
- Is r/credit free to join?
- This listing is not marked as paid-only. Access rules and any fees are decided by the community.
- How many members does r/credit have?
- Roughly 371K members, based on figures reported by the community or its host. Member counts are approximate and change over time.
- What platform is r/credit on?
- r/credit runs on Reddit. Reddit communities (or "subreddits") are forum-based groups on the popular social news aggregation, web content rating, and discussion website Reddit. Reddit is commonly known as "the front page of the internet". Users submit content to the site such as links, text posts, and images, which are then voted up or down and discussed by other members. From investing Reddit communities, to professional ones, to ones just for laughs, you're likely to find a community for you on Reddit.
- What topics does r/credit cover?
- On the Hive Index, r/credit is organized under Points Chasers.
- How do I join r/credit?
- You can join r/credit by clicking this link, or pressing the "Go to community" button above.
- What are the Credit Cards communities like?
- Communities for credit card churning, rewards optimization, and discussing the best credit card deals, sign-up bonuses, and current offers.
Added 10/14/2026
Monthly Stats
- 10
- Views /mo
- 9
- Visitors /mo
- 0
- Referrals /mo
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