topic Re: Creditcard.com Card Match in Credit Cards

Creditcard.com Card Match

Anonymous — Sat, 21 Sep 2013 23:20:47 GMT

What is everyone's take on cardmatch. I recently did some work on my credit and improved my scores a bit. For kicks and giggles I entered my info into cardmatch and i get 2 "exclusive offers" for AMX BCE, one regular, the other preferred. My credit scores are teetering on around the 700 mark, however my other offers on creditmarch are from Cap 1 and First Premier bank. These other offers make me skeptical about AMX, although I am dying to have the BCE card.

Thoughts? If i had to guess based on my credit profile, I would not qualify for BCE, which is why i thought those offers were surpising.

Edit: I have read AMX is inquiry senstive. I financed 2 cars in the past year and EQ took heavy hits during these processes (9). TU has 4 and EX has 5. Who does AMX primarily pull?

Re: Creditcard.com Card Match

Themanwhocan — Sat, 21 Sep 2013 23:20:29 GMT

Notice the APR on those CardMatch offers. They don't list a range, they list 12.99%. And usually the signup bonus is greater.

So if you get accepted via that route, your APR will be 12.99% which is American Express' lowest rate for the BCE and BCP. So this also means you won't get your credit score, since they only provide that when you aren't given the best possible credit terms.

So for me it was great. 12.99% is my best APR. I don't carry a balance, but I still want a good APR. Yep, nothing's wrong with MY ego...

Re: Creditcard.com Card Match

Eightiron — Sat, 21 Sep 2013 23:19:38 GMT

I will say this...

I just went on and checked mine, both BCE and BCP popped up for me as well. And I was recently just denied for the Delta gold, so I know AmEx isnt quite ready to work with me.

Re: Creditcard.com Card Match

DaniBananiie — Sat, 21 Sep 2013 23:27:21 GMT

I only get Capital One offers. Lol

Re: Creditcard.com Card Match

red259 — Sat, 21 Sep 2013 23:34:36 GMT

@Eightiron wrote:
I will say this...

I just went on and checked mine, both BCE and BCP popped up for me as well. And I was recently just denied for the Delta gold, so I know AmEx isnt quite ready to work with me.

+1 I wouldn't rush off and apply based on what credimatch.com says. I think it only looks at certain factors like credit score and not the overall picture including number of inqs etc. I know I ran into problems getting an amex charge and now its recommending me for an amex revolver.

Re: Creditcard.com Card Match

Anonymous — Sun, 22 Sep 2013 00:48:54 GMT

I figured. I will abstain from applying. I got cautiously excited for a few minutes.

Re: Creditcard.com Card Match

Anonymous — Sun, 22 Sep 2013 00:52:38 GMT

Pre-approvals are not an accurate indicator of approval odds. However, they're the best readily available indicator.

It's always best to look at what's in your CR, and then gauge your own chances. Probably will be much better that way.

Re: Creditcard.com Card Match

Eightiron — Sun, 22 Sep 2013 00:53:14 GMT

@Anonymous wrote:
I figured. I will abstain from applying. I got cautiously excited for a few minutes.

Keep in mind, it used SOME portion of your CR to determine you were worthy. I know my score is high enough for AmEx, but I dont have the complete package. So getting that to pop up shows you are headed in the right direction.

Re: Creditcard.com Card Match

mongstradamus — Sun, 22 Sep 2013 02:00:42 GMT

@Eightiron wrote:
I will say this...

I just went on and checked mine, both BCE and BCP popped up for me as well. And I was recently just denied for the Delta gold, so I know AmEx isnt quite ready to work with me.

i am waiting for that offer to pop for me. Already have discover it and chase freedom pre approvals popping for me just waiting for bcp so i can try for all three and then hit the garden for at least an year lol

Re: Creditcard.com Card Match

Anonymous — Sun, 22 Sep 2013 02:17:33 GMT

I was able to get a BCE at 707 so you probably would qualify

Re: Creditcard.com Card Match

cottoncrown — Sun, 22 Sep 2013 06:23:38 GMT

I just got BCE with 702 and 8 inq on EX in the last 6 months. I have a thing file and was instantly approved for 7k. I was not given their offer on the pre-qual site you mentioned, just secured cards and cap one platinum.

Re: Creditcard.com Card Match

red259 — Sun, 22 Sep 2013 06:29:56 GMT

@mongstradamus wrote:
@Eightiron wrote:
I will say this...

I just went on and checked mine, both BCE and BCP popped up for me as well. And I was recently just denied for the Delta gold, so I know AmEx isnt quite ready to work with me.

i am waiting for that offer to pop for me. Already have discover it and chase freedom pre approvals popping for me just waiting for bcp so i can try for all three and then hit the garden for at least an year lol

That's interesting. I have the amex offers popping but not the discover it.

Re: Creditcard.com Card Match

red259 — Sun, 22 Sep 2013 06:31:57 GMT

@cottoncrown wrote:
I just got BCE with 702 and 8 inq on EX in the last 6 months. I have a thing file and was instantly approved for 7k. I was not given their offer on the pre-qual site you mentioned, just secured cards and cap one platinum.

What cards and AAoA do you have?

Re: Creditcard.com Card Match

cottoncrown — Sun, 22 Sep 2013 06:44:15 GMT

I have a 6 month credit history with a 5k discover it and two secured cards 200 and 300. That is all my util is 1%. That is all that is on my reports.

Re: Creditcard.com Card Match

djc1puno — Sun, 22 Sep 2013 07:44:53 GMT

@Anonymous wrote:
Pre-approvals are not an accurate indicator of approval odds. However, they're the best readily available indicator.
It's always best to look at what's in your CR, and then gauge your own chances. Probably will be much better that way.

+1 enharu

Re: Creditcard.com Card Match

azguy13 — Sun, 22 Sep 2013 11:13:36 GMT

I do not put too much stock into this site but it is nice to look at I guess. I think the last time I looked it "pre-qualified" me for every Cap1 card and that was it.

Re: Creditcard.com Card Match

mongstradamus — Sun, 22 Sep 2013 14:55:45 GMT

@azguy13 wrote:
I do not put too much stock into this site but it is nice to look at I guess. I think the last time I looked it "pre-qualified" me for every Cap1 card and that was it.

yeah i don't know how accurate it really is, it tell me i am qualified for boa and cap one cards, but when i check pre approvals on boa and cap one sites, it doesn't return anything for me. I was hoping some amex cards would pop for me so i would be semi sure i wouldn't be wasting an hp when i app for BCP

Re: Creditcard.com Card Match

JSS3 — Sun, 22 Sep 2013 19:12:31 GMT

I got BCE and BCP. I plan to apply for this card next year.

Re: Creditcard.com Card Match

missjae — Sun, 22 Sep 2013 20:53:50 GMT

@Anonymous wrote:
What is everyone's take on cardmatch. I recently did some work on my credit and improved my scores a bit. For kicks and giggles I entered my info into cardmatch and i get 2 "exclusive offers" for AMX BCE, one regular, the other preferred. My credit scores are teetering on around the 700 mark, however my other offers on creditmarch are from Cap 1 and First Premier bank. These other offers make me skeptical about AMX, although I am dying to have the BCE card.

Thoughts? If i had to guess based on my credit profile, I would not qualify for BCE, which is why i thought those offers were surpising.

Edit: I have read AMX is inquiry senstive. I financed 2 cars in the past year and EQ took heavy hits during these processes (9). TU has 4 and EX has 5. Who does AMX primarily pull?

Cardmatch sucked for me. It offered me nothing but Cap1 and FP. I only entered my information to see what I would be offered, but before and after I did it, I was able to get approvals for Amex, Barclay's, Chase, BOA, etc.

Amex was not too inquiry sensitive for me. I have a ton of inquiries on each report, but the majority are over a year old. I forget which report they pulled, but I know I had a fair amount of recent inquiries because they were at the end of an app spree.

Re: Creditcard.com Card Match

Anonymous — Thu, 30 Oct 2014 21:06:18 GMT

All the AMEX cards popped up for me, so I applied for the Everyday Card, and was NOT approved. So...go figure.