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05-07-2013 10:48 AM
Creditcards.com does a soft pull, and then shows you cards you would be likely to be approved for. My question is, how accurate have any of you found the website to be? I would like to apply for a better card (best I have is Cap1 rewards with $750 limit), but don't want to take the risk and get a decline. Any feedback would be much appreciated.
05-07-2013 10:53 AM
I always wondered if anybody did this.. I feel "iffy" about giving them my social, although im sure its 100% safe.. its just me being picky lol
05-07-2013 11:02 AM - edited 05-07-2013 11:04 AM
At least in my case they were very conservative or just pushing certain cards. I did it and they offered me the venture and some below average cards. The DiscoverIt, AMEX BCE, Chase Freedom, OR CSP didn't show up and I got all of those shortly after I did the creditcards.com thing. I'd take their suggestions with a grain of salt.
05-07-2013 11:04 AM - edited 05-07-2013 11:06 AM
I been using it and nothing bad happen. Seems legit
I am the same way. I had the same fear about the site.
PS: I have never applied through their recommendations though!
05-07-2013 11:08 AM
I feel "iffy" about giving them my social, although im sure its 100% safe.
There's no need to give them your social...they can match without it...if there's no benefit/need, I sure wouldn't give it. I have used the site before and have been approved with the exact bonus terms listed every time.
05-07-2013 11:20 AM - edited 05-07-2013 11:23 AM
I found the exclusive offers to be accurate in my case. I was prequalified for 3 different AMEX cards (I apped for and got the BCP). Those were listed as "exclusive offers." Simmons Visa, and A few Cap One cards, including the Venture were also offered as additional choices. I did not get offered First Premiere cards. The offers were also different the first couple of times I tried the site, as I DID get the FP offers (and not as many Prime) until my score went above a 700.
That being said, it is a soft pull, is not guarenteed, and there have been many that have not had the desired results. If you want to app anyway, they do offer different sign up bonuses than are available elsewhere. Since I was already going to pull the trigger on AMEX, it made sense to try it through this site.
So, YMMV, if you do it, go for one of the exclusive/ top offers, and know that there is no guarentee. If you expect it to be a real soft pull, I would think you would need to use your social. I was nervous, too, but those nerves seem to be unfounded so far. For me it was worth getting my BCP.
05-07-2013 11:39 AM
05-07-2013 12:36 PM
05-07-2013 01:44 PM
I put my info in and all I got was 4 PRE-PAID credit cards.
I was slightly offended.
I feel your pain brother. I thought I would at least get offered the DiscoverIt card. Like I said I think they are ultra conservative on their reccomendations.
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