topic Re: Cardmatch, why do you torment me so? in Credit Card Applications

Cardmatch, why do you torment me so?

KJinNC — Thu, 10 Oct 2019 20:54:02 GMT

I am 11/24 if everything I suspect counts does in fact count, or 8/24 if only true credit cards count, either way well above 5/24, but Cardmatch shows me nothing but Chase cards (CSP, CFU, CF), plus ..... Fingerhut, Indigo and Milestone?? That's it, no Citi, no Discover, no Amex, just Chase cards I obviously cannot get, and a few bottom-feeders??

Re: Cardmatch, why do you torment me so?

AverageJoesCredit — Thu, 10 Oct 2019 20:09:49 GMT

Speak ill of Milestone or Indigo if you will but Fingerhut gave everyone else the finger while allowing me a place to stay in their hut when i began my credit journey and rebuild

Re: Cardmatch, why do you torment me so?

BallBounces — Thu, 10 Oct 2019 20:13:57 GMT

Cardmatch is worthless.

Also, you don't need more cards matched.

Re: Cardmatch, why do you torment me so?

randomguy1 — Thu, 10 Oct 2019 20:32:11 GMT

Cardmatch can be good to get certain "unpublished" bonuses such as for the AMEX Platinum. However, I only get Chase as well.

Re: Cardmatch, why do you torment me so?

KJinNC — Thu, 10 Oct 2019 20:53:04 GMT

There are only two cards I want (see bottom of my signature), and I know that one, CSR/CSP (haven't decided which), is off-limits until 2021. The other (Ducks Unlimited) probably is until next year at least. I just check Cardmatch and similar places for a sense of progress or lack thereof.

Re: Cardmatch, why do you torment me so?

BallBounces — Thu, 10 Oct 2019 21:13:02 GMT

@KJinNC wrote:
There are only two cards I want (see bottom of my signature), and I know that one, CSR/CSP (haven't decided which), is off-limits until 2021. The other (Ducks Unlimited) probably is until next year at least. I just check Cardmatch and similar places for a sense of progress or lack thereof.

I understand, but that is a pointless exercise. YOU know more than CardMatch about your progress with Chase and DU.

Re: Cardmatch, why do you torment me so?

Anonymous — Thu, 10 Oct 2019 21:20:20 GMT

@KJinNC wrote:
I am 11/24 if everything I suspect counts does in fact count, or 8/24 if only true credit cards count, either way well above 5/24, but Cardmatch shows me nothing but Chase cards (CSP, CFU, CF), plus ..... Fingerhut, Indigo and Milestone?? That's it, no Citi, no Discover, no Amex, just Chase cards I obviously cannot get, and a few bottom-feeders??

SMH!!!!

First of all you know all those sites with flashy CC offerings are ADVERTISING BASED as there's a disclosure at the top that says so.

Secondly.... why torment youself with browsing when you know you shouldn't be looking anyway?

You already jumped through hoops to get Amex to say yes and learned some skills about adding an AU account to get approved... Be content for a bit and let things move along a little more organically unitl your cards learn to walk before trying to make them run.

Re: Cardmatch, why do you torment me so?

KJinNC — Thu, 10 Oct 2019 21:48:54 GMT

Thanks, but, it's ok, guys

I am just saying, the very card I want and know I can't get is the only "good" card they show for me. I don't know what would make their algorithm think I'm more likely to get a Chase card than, say, a Citi card. I am not actually applying for any cards until I think I can get a Chase card (2021) or Ducks Unlimited (probably next summer or fall). Just building CLs between now and then, and may downgrade the Hilton card next year, otherwise, no activity. It's just a free and easy diagnostic, though I know it's not a reliable diagnostic.

Re: Cardmatch, why do you torment me so?

Anonymous — Thu, 10 Oct 2019 21:54:11 GMT

Diagnostic doesn't work when the highest bidder gets thrown in your face.

It's similar to sites that provide your CR and scores yet push the same products you have already listed on your reports.

You have to be agnostic in your searches and find the products that work for you first. After you figure out he product side then you go back to the junk sites looking for the highest bonus and snag the most you can at approval.

Figure out where the money is and land that marlin that fits your spend or at least your bank account when you pass go and collect $500 for something you're already doing anyway.

Re: Cardmatch, why do you torment me so?

dragontears — Thu, 10 Oct 2019 22:03:19 GMT

It is not the case that cardmatch's "algorithm" thinks you have a better chance of approval for a chase card versus another bank such as citi, it is they are paid more by chase than citi to push those cards....

Re: Cardmatch, why do you torment me so?

Aim_High — Sat, 12 Oct 2019 02:56:59 GMT

@KJinNC wrote:
Cardmatch shows me nothing but Chase cards (CSP, CFU, CF), plus ..... Fingerhut, Indigo and Milestone??

LMAO ... too much!!!

Hilarious, one end of the spectrum to the other!

Thanks for sharing that!

Yes, probably best not to visit those promo sites.

Re: Cardmatch, why do you torment me so?

FieryDance — Fri, 11 Oct 2019 06:12:09 GMT

@KJinNC wrote:
I am 11/24 if everything I suspect counts does in fact count, or 8/24 if only true credit cards count, either way well above 5/24, but Cardmatch shows me nothing but Chase cards (CSP, CFU, CF), plus ..... Fingerhut, Indigo and Milestone?? That's it, no Citi, no Discover, no Amex, just Chase cards I obviously cannot get, and a few bottom-feeders??

I feel for you!

CardMatch keeps showing tempting offers that would plunge me right into Chase purgatory.

Re: Cardmatch, why do you torment me so?

Anonymous — Fri, 11 Oct 2019 07:46:13 GMT

on that site right now i'm prequalified for every single card cap1 has, but nothing else shows up.

i used to be prequalified for fingerhut right up til i became scorable, for some reason they revoked my prequal.

Re: Cardmatch, why do you torment me so?

kdm31091 — Fri, 11 Oct 2019 10:28:59 GMT

Don't pay attention to "matching" sites like Cardmatch. I've never trusted any of them. They're being paid to market certain lenders/cards so the results are always going to be skewed.

As others said, just let things build organically. Just let time do its thing, and stop looking at prequal sites etc because it's just going to frustrate you and/or tempt you.

Re: Cardmatch, why do you torment me so?

BallBounces — Fri, 11 Oct 2019 14:18:27 GMT

@KJinNC wrote:
It's just a free and easy diagnostic, though I know it's not a reliable diagnostic.

I don't want to beat the dead horse, becuse I know you know ... but this is the point.

It's not a diagnostic, period. You wouldn't take your flat tire to the mechanic if you knew he was going to fix it by putting wiper fluid in your washer reservoir. Don't use CardMatch as a diagnostic.