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@Anonymous wrote:
@Anonymous wrote:As with anything, it's buyer beware. Sites with recommended offers are little more than marketing ploys. The site gets a kickback when you apply using their links.
You mean like this site here which is insanely pushing Discover cards?
Well, to be fair, myFICO does not offer personalized credit offers. It only offers a range of scores, and cards that generally match that range.
TU: 818 EX: 809 EQ: 801
@ksantangelo23 wrote:
@Anonymous wrote:
@Anonymous wrote:As with anything, it's buyer beware. Sites with recommended offers are little more than marketing ploys. The site gets a kickback when you apply using their links.
You mean like this site here which is insanely pushing Discover cards?
Well, to be fair, myFICO does not offer personalized credit offers. It only offers a range of scores, and cards that generally match that range.
I don't think that's what he's talking about
@Anonymous wrote:
@ksantangelo23 wrote:
@Anonymous wrote:
@Anonymous wrote:As with anything, it's buyer beware. Sites with recommended offers are little more than marketing ploys. The site gets a kickback when you apply using their links.
You mean like this site here which is insanely pushing Discover cards?
Well, to be fair, myFICO does not offer personalized credit offers. It only offers a range of scores, and cards that generally match that range.
I don't think that's what he's talking about
I read it the same way ksantangelo did, that is, recommendations based on CS ranges/perks (like BT, cash back, etc.) CK, CS, etc do tend to be a little more misleading with their targeted offers like "we recommend this for you..." approach.
On the other hand, julian may have been referring to the general love that forum members seem to have for Discover, and the tendency to talk about it a lot, perhaps inadvertently "pushing" it to newer form members (hey, I was convinced I wanted a Discover someday. Now... not as much.) But that's why it's so important to seek out a lot, and a wide variety of, information about any product you're interested in. Both the cold, hard facts of terms and rewards, as well as the experiences of multiple folks. Then you can make the decision about whether the product is right for you (and not just because it's a popular card.)
The Venture card is another example of an incredibly popular card that I have zero interest in. I *hate* flying, so I don't travel enough to make a travel rewards card (even with the related spend on hotels and car rentals) even remotely worth my while. The potential super-sized limit isn't enough of a draw with that APR coupled with rewards I'll never use (or, a card I'll never use since I don't want the danged rewards!)
I had good luck with creditcards.com this week. Got pre-qualified for many cards, applied for Amex PRG and Amex BCE and was approved for both in 60 seconds (seperate apps) with 50K reward points and $150 cashback. First time with Amex, well-worth it.