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Verified 17 Aug

FinWiz24
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Review Methodology

How we collect, verify, moderate, and weight user reviews — and the exact formula behind our headline star ratings.

Collection

Reviews are submitted via the My Reviews panel by signed-in users who hold (or have held) the card. We require a verified email address and reject reviews from accounts created in the last 24 hours — that window gives our abuse-detection system time to flag coordinated review-burst patterns.

Moderation

Every review passes through a 4-step moderation pipeline before publication:

  1. Profanity + PII filter. Automated pass removes reviews containing phone numbers, account numbers, or abusive language. Filtered reviews are queued for human review (we never auto-delete).
  2. Card-coverage check. The reviewer's account history is checked to confirm they actually hold or have held the card in question. Reviews from accounts that never held the card are flagged.
  3. Editor review. A human moderator reads the review, classifies it as Verified, Verified-with-flag, or Unverified, and tags the topics it covers (rewards, fees, lounge access, customer service, …).
  4. Publication. Reviews appear on the card page within 24 hours, with the moderation status visible to readers.

Star rating formula

The headline rating on a card page is a weighted mean:

rating = Σ(verified_i × weight_i × score_i) / Σ(verified_i × weight_i)

weight_i = recency_factor × length_factor × helpful_votes_factor

recency_factor   = max(0.4, 1 - (age_days / 730))   // 2-year half-life
length_factor    = min(1.0, body_chars / 600)        // rewards substantive reviews
helpful_votes_factor = 1 + log1p(helpful_votes)        // crowd-sourced quality signal

Only Verified reviews contribute to the headline number. Verified-with-flag and Unverified reviews are still published, but are excluded from the aggregate to prevent rating inflation from low-quality feedback.

What we don't publish

  • Reviews from accounts that were created solely to submit a review.
  • Reviews from accounts receiving any form of compensation for posting.
  • Reviews that contain personal attacks on bank staff by name.
  • Reviews written in a language we cannot moderate. (English and Hindi today; expanding to Tamil, Telugu, and Bengali in late 2026.)

Disputes

Banks can dispute individual reviews via [email protected]. We re-investigate within 14 days; outcomes are documented in the audit log, never silently deleted.

Read next

See it on a real card

Every card page carries the headline rating + the full review list. See one in action: