Daniel Sánchez

Daniel Sánchez is the creator and editor of NeoDRXT.com. He doesn't work in the financial industry, but he's spent years digging into how credit cards, rewards programs and interest calculations actually work, and started this site to explain it in plain language. Every article begins with research into card issuers' actual terms and public sources such as the U.S. Consumer Financial Protection Bureau (CFPB), before being written up as a practical, no-nonsense guide. He is not a financial advisor, and nothing on this site should be taken as personalized financial advice — for decisions specific to your situation, always consult a licensed financial advisor or your card issuer directly.