51credit.com (51 means “I want” in Chinese) is a credit card marketing portal. Our mission is to promote and enrich the credit card lifestyle; and to be a bridge between consumers, credit card issuers, and merchants.

Through professional credit evaluation and coaching, credit card recommendation, and credit counseling, we help consumers to gain knowledge and understanding of credit, to establish, manage, and protect their own personal credit. We have also setup an online community where industry specialists, consumers, and card holders can connect and communicate.

The contents of this website are from public sources and documents, government regulations and our own analysis. We promise to comply with government regulations, abide by the code of business ethics, maintain the confidentiality of the consumers' personal information, and respect the consumers' rights.

This web site is managed and maintained by Beijing Sino Credit Technologies Inc. Sino Credit is founded by a group of professionals who have a passion for both consumer credit and the Internet. Among our group we have scientists who have designed the cutting-edge credit scoring algorithm for America's three major credit bureaus in the 90's, pioneers who have worked with China's three largest Internet portals, product managers of the earliest domestic co-branded credit cards, as well as the most well known credit card analysts.

Darwin Tu, Founder and Chairman

• founded several companies including Beijing Sino Credit Technologies, Inc., Beijing Decision Engine Risk Management Technologies Inc., Info Decipher International, etc
  
• Chief Consultant for the Greater China Region, Decisioning Product Division, Trans Union Advantage Pty Ltd, a joint venture company between Baycorp Advantage and Trans Union International, in charge of the company's consumer credit risk management business in Hong Kong and Mainland China
  
• Digital Impact, Inc. (world-class database marketing company, NASDAQ: DIGI), Senior Marketing Scientist, specializing in One to One Database Marketing.
  
• Fair Isaac Corporation (world-class credit risk management company, NYSE: FIC), Credit Bureau Department Project Manager, developed the FICO Credit Bureau Score which is now the industry standard for America's consumer credit industry adopted by virtually all North American financial institutions.
  
  Education Background
  
  Stanford University, Grauduate School of Business Doctoral Student; MS in Statistics
  
  University of California at Berkeley, MS in Business Administration

Note:

We thank Beijing Decision Engine Risk Management Technologies, Inc. for providing the credit scoring model. Beijing Decision Engine Risk Management Technologies, Inc. serves China 's financial institutions with decision management solutions for consumer credit risks and marketing services. The company's management team consists of specialists who have worked at the internationally recognized consumer credit risk management companies such as Fair Isaac, and Trans Union Advantage.