MCC 7277 covers COUNSELING SERVICE – DEBT, MARRIAGE, PERSONAL merchants, classified under lodging. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or lodging category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Companies like DebtAdvice and CreditCounselors use MCC 7277. Purchases for financial advice, marriage counseling sessions, and personal coaching services get coded here.
Cardholders often think medical consultations are coded under this MCC when they aren't; it's strictly for non-medical counseling.
MCC 7277 stands for Counseling Service – Debt, Marriage, Personal. It is a four-digit Merchant Category Code used by payment networks to classify businesses in the lodging category.
Merchants classified under MCC 7277 (Counseling Service – Debt, Marriage, Personal) operate in the lodging sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 7277 (Counseling Service – Debt, Marriage, Personal) is not currently a dedicated bonus category for most major credit cards. For lodging spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 7277 (Counseling Service – Debt, Marriage, Personal). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for lodging spending.
MCC 7277 is assigned to businesses providing counseling service – debt, marriage, personal services. While this is a less common merchant category, any purchase that posts with code 7277 will be classified as 'Counseling Service – Debt, Marriage, Personal' by your card issuer, which determines whether lodging category bonuses apply to that transaction.
MCC 7277 (Counseling Service – Debt, Marriage, Personal) and MCC 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (not elsewhere classified)) are both in the lodging category but cover distinct merchant types. MCC 7277 is used for counseling service – debt, marriage, personal businesses, while MCC 7011 is assigned to lodging – hotels, motels, resorts, central reservation services (not elsewhere classified) merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.