topic Creditcards.com Pre Qual?? in Credit Cards

Creditcards.com Pre Qual??

chosen4th — Tue, 14 Jan 2014 00:31:35 GMT

Is this site legit with their card match thing? They gave me 10 cards to apply for, obv my scores are close and i do have a 1 baddie in the past year (that im trying to dispute).. So i want to know how good this site is, i dont want to rack up an inquiry and not get a card.. Thanks!

Re: Creditcards.com Pre Qual??

bigblue7722 — Tue, 14 Jan 2014 00:38:35 GMT

@chosen4th wrote:
Is this site legit with their card match thing? They gave me 10 cards to apply for, obv my scores are close and i do have a 1 baddie in the past year (that im trying to dispute).. So i want to know how good this site is, i dont want to rack up an inquiry and not get a card.. Thanks!

its a ymmv type of thing. I would suggest going on to the actual site of the credit card company you want to apply for and try their pre qual. That would give you a much better idea of what card would be good for you.

Re: Creditcards.com Pre Qual??

Anonymous — Tue, 14 Jan 2014 00:44:48 GMT

It is useful for getting better sign up bonuses, not much else

Re: Creditcards.com Pre Qual??

chosen4th — Tue, 14 Jan 2014 00:45:32 GMT

thanks i went to Ammex web site did their pre selector thing and it said it didnt suggest anything.. Inquiry averted

Re: Creditcards.com Pre Qual??

Anonymous — Tue, 14 Jan 2014 00:46:00 GMT

@bigblue7722 wrote:
@chosen4th wrote:
Is this site legit with their card match thing? They gave me 10 cards to apply for, obv my scores are close and i do have a 1 baddie in the past year (that im trying to dispute).. So i want to know how good this site is, i dont want to rack up an inquiry and not get a card.. Thanks!
its a ymmv type of thing. I would suggest going on to the actual site of the credit card company you want to apply for and try their pre qual. That would give you a much better idea of what card would be good for you.

Right, cardmatch has agreements with only a subset of issuers, so you are not going to see all the cards that you might be pre qualified for. Also, any prequal (from issuer website, from cardmatch, in the mail) is no guarantee, though prequals from issuers websites might be marginally better (if they show you are prequal, you are more likely to get the card).

However, one advantage of cardmatch is that sometimes their exclusive offers ARE better than you see elsewhere. Recently on the Amex BCP/BCE they had bigger sign ups and guaranteed a lower APR.

Re: Creditcards.com Pre Qual??

chosen4th — Tue, 14 Jan 2014 18:20:56 GMT

My TU on myFico is now 715... i tried pre-qual on amex, barclay and Citi.. no congrats.. so frustrating!!!

Re: Creditcards.com Pre Qual??

bigblue7722 — Wed, 15 Jan 2014 00:34:46 GMT

@chosen4th wrote:
My TU on myFico is now 715... i tried pre-qual on amex, barclay and Citi.. no congrats.. so frustrating!!!

Sadly the tu fico sold on here is the tu 98 version which is very very outdated. I am suprised about barclay not giving you anything. What site did you use for amex?

is it this one(click on card offers on the right side): https://www304.americanexpress.com/credit-card/offers/25330?intlink=USHP-LFC-PersonalCards-Large

Just keep in mind with amex it is more of just an offer not a pre qual so i would say it means less than a pre qual from another company

Re: Creditcards.com Pre Qual??

Boragard — Mon, 02 Jun 2014 04:32:23 GMT

I have a question regarding this site. All I ever seem to get is Capital One accounts for Card Match. However, I must say I have opted out for pre-screens/pre-approvals offers. Does this have an effect on the pre approvals that appear on the site? I have a variety of cards, and currently in the garden. But I would like a preapproval for a citi card come January 21, 2015.

Re: Creditcards.com Pre Qual??

wacdenney — Mon, 02 Jun 2014 05:02:26 GMT

I have gotten the same 7 results from cardmatch for as long as I can remember. No matter what my score does I still get the same 7. Ranging from excellent cards to First Premier no less. I think it's useless. I've never seen a SP from them on any of my reports either.

Re: Creditcards.com Pre Qual??

Boragard — Mon, 02 Jun 2014 05:19:43 GMT

@wacdenney wrote:
I have gotten the same 7 results from cardmatch for as long as I can remember. No matter what my score does I still get the same 7. Ranging from excellent cards to First Premier no less. I think it's useless. I've never seen a SP from them on any of my reports either.

Me too! I get the same 8 results everytime and they are :

1. Capital One Classic Platinum Credit Card

2. Capital One QuickSilverOne Cash Rewards Credit Card

3. Capital One Platinum Credit Card

4. Journey Student Rewards from Capital One

5. Capital One Secured Mastercard

6. First Premier Bank Mastercard Credit Card

7. First Premier Bank Gold Credit Card

8. First Premier Bank Classic Card

Seems funny as they NEVER change!

Re: Creditcards.com Pre Qual??

lg8302ch — Mon, 02 Jun 2014 05:20:25 GMT

@Anonymous wrote:
It is useful for getting better sign up bonuses, not much else

Re: Creditcards.com Pre Qual??

mongstradamus — Mon, 02 Jun 2014 14:22:31 GMT

I was hoping to one day see the PRG offer with 50k points , but doesn't pop up for me . I just get first premier, cap one, and bank of america cards as "pre-qualified". Funny thing is when i goto BOA pre qualifed page, i don't get any boa pre qualifed offers. I don't know how much i would trust their creditcards.com pre qualifed page .

Re: Creditcards.com Pre Qual??

chalupaman — Mon, 02 Jun 2014 14:24:39 GMT

Yeah I always get the same "offers" from this website too and for the most part, nothing on all the major card sites I checked. Waste of time.

Re: Creditcards.com Pre Qual??

ExplicitElicit — Mon, 02 Jun 2014 16:19:36 GMT

@Boragard wrote:
@wacdenney wrote:
I have gotten the same 7 results from cardmatch for as long as I can remember. No matter what my score does I still get the same 7. Ranging from excellent cards to First Premier no less. I think it's useless. I've never seen a SP from them on any of my reports either.
Me too! I get the same 8 results everytime and they are :

1. Capital One Classic Platinum Credit Card
2. Capital One QuickSilverOne Cash Rewards Credit Card
3. Capital One Platinum Credit Card
4. Journey Student Rewards from Capital One
5. Capital One Secured Mastercard
6. First Premier Bank Mastercard Credit Card
7. First Premier Bank Gold Credit Card
8. First Premier Bank Classic Card

Seems funny as they NEVER change!

Those are the exact same cards that I'm approved for every time! Just checked it again for the first time in a while... Sure enough same line up.