Citocred AI

Citocred AI is an automated financial analysis system — not a human reviewer. It generates structured editorial summaries for each credit product on the platform using Citocred's proprietary scoring methodology, designed and maintained by Harlon Drosghic, founder and Chief Financial Analyst.

Each analysis is produced by processing structured data across 11 scoring dimensions: Points & Miles, Cashback, Credit Building, Lower Fees, Purchase Perks, Travel Perks, App Experience, Support Quality, Transparency, Security Controls, and Benefits Usability. The system produces weighted sub-scores that combine into an overall 0–5 rating.

All data used by the system is sourced directly from official issuer documentation, regulatory filings, and independently validated product terms — never from advertiser submissions or paid placements. The AI analysis is a synthesis tool; the methodology, scoring weights, and editorial standards are defined and reviewed by humans.