How accurate is this site? Just put in my info (left off SSN with no problem) and all the cards they pulled up were AMEX cards. The BCE one first which I was recently denied for like a week ago...effy.
I would guess the site is fairly accurate. BUT...I see too many people relying ONLY on scores (which your credit is judged on and potential offers are made by that site). Keep in mind that there are a lot more variables at play than just your score. Also keep in mind that the site is making money if you decide to app by their recommendation.
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.
they are alright in my book! soft pulls and only a few offer for me, which tells me they are really trying to match me with the appropriate card....im in the low 600's so they only usually give me cap one secured and cap one cash cards. Go for it if you get good cards showing up!
I used this site for myself and my wife to see what results we would get.
For my wife, her offers were from:
Amex, Capone, Citi, Discover (pretty much everyone even subprime lenders)
- Days after we put her info her, she started receiveing "pre approval" offers from Citi and Discover.
For me, my offers were from:
Amex and Capone.
- But never received anything in the mail as far as "pre approval" offers.
But before I put my info in, I already got mail from Amex inviting me to apply for the Gren (which I did and was approved for Green and BCE)
So my guess is, they (creditcards.com) will run it through there system to see if it matches what banks are looking for and then the bank itself will run it and send you a pre approved letter if they want you to apply.
Hope this helps....
I just tried it again right now (w/out social) and AMEX no longer appears.
Im guessing its becuase my score has dropped below 700 since I applied for them on the 1st of July.
I always wanted to get a BCE AMEX anyway, and the offer had a $150 bonus after spending $500, instead of the published $100 bonus after $1000 in purchases on AMEX official website.
grrrr.... I just got my BCE (and a Blue Sky) last week, I wish I'd known there were better sign-up offers out there!