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Credit Karma. Get approved or get $50

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AceTen
Regular Contributor

Re: Credit Karma. Get approved or get $50

I got the $50 offer on the Citi Double Cash. I have no relationship with Citi so that is interesting and I am curious! But sorry, I can't try it because I am saving my next hard pull for the $900 sub chase ink cash or the chase reserve with a nice sub.

 

Karma Guarantee
 
Great for high flat-rate cash back††

Citi® Double Cash Card

 
997 reviews
Karma Guarantee: You'll be approved or CK will pay you $50.
"Chains of habit are too light to be felt until they are too heavy to be broken."
Message 11 of 63
pi-r-squared
Frequent Contributor

Re: Credit Karma. Get approved or get $50

Here are my Karma Guarantees!!

 

Prosper Card

Credit One Bank Platinum Visa

Cerulean Mastercard

Indigo Mastercard Cashback Rewards





Message 12 of 63
805orbust
Valued Contributor

Re: Credit Karma. Get approved or get $50

We definitely aren't their target demographic! 🤣🤣



Message 13 of 63
FLLGuy
Frequent Contributor

Re: Credit Karma. Get approved or get $50

I like CK cologne for everyday, I like their CK underwear, and I like the CK suits.   However, when it comes to CK (credit karma) I only like their surprisingly decent reporting on credit activities but don't like their credit scoring (fako) nor do I like their false promises on approvals.   I can't buy into the $50 hostage exchange for a potential 2yr credit inquiry mistake.  Smiley Indifferent




Message 14 of 63
805orbust
Valued Contributor

Re: Credit Karma. Get approved or get $50

@FLLGuy HILARIOUS!!!



Message 15 of 63
Zoostation1
Valued Contributor

Re: Credit Karma. Get approved or get $50


@SUPERSQUID wrote:

I dont trust ck, they say i have very good odds on 2 wf cards when i just got denied 2 months ago and 3 cap 1 cards when i already hold the max cap 1 cards.


You can have more than 2 Cap One cards.  It just can't be more than 2 of the sub prime cards: Platinum secured, Platinum, QS Secured and QS1. The official hard limit IIRC for someone with no sub prime cards is 5.  Any regular or for good credit version of a Savor, Venture, or QS product family counts as prime, as do cobranded cards like the Walmart MC.  The only grey area I'm aware of that I haven't seen anyone confirm is with cards that were a PC from a Platinum or QS1.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
July 2024 FICO 8:
July 2024 FICO 9:
Message 16 of 63
DaisyAdair
Valued Member

Re: Credit Karma. Get approved or get $50

I got the same 'guarantee' as @UncleB . I'm ready for someone to put this to the test. Any takers? 😁

E28A09FF-0D4E-42BE-8B4B-9E3F65CBC923.jpeg

 

Message 17 of 63
spiritcraft1
Valued Contributor

Re: Credit Karma. Get approved or get $50

I have 3 Citi cards with the banner.  I may just get approved but at what SL?  They must have some kind of idea as to approvals or it could be an expensive proposition for them.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 18 of 63
OmarGB9
Community Leader
Super Contributor

Re: Credit Karma. Get approved or get $50


@Zoostation1 wrote:

@SUPERSQUID wrote:

I dont trust ck, they say i have very good odds on 2 wf cards when i just got denied 2 months ago and 3 cap 1 cards when i already hold the max cap 1 cards.


You can have more than 2 Cap One cards.  It just can't be more than 2 of the sub prime cards: Platinum secured, Platinum, QS Secured and QS1. The official hard limit IIRC for someone with no sub prime cards is 5.  Any regular or for good credit version of a Savor, Venture, or QS product family counts as prime, as do cobranded cards like the Walmart MC.  The only grey area I'm aware of that I haven't seen anyone confirm is with cards that were a PC from a Platinum or QS1.


I don't think you can have five anymore. That *used* to be the case. Two is the limit (excluding cobranded cards), with some outliers reporting they were allowed a third card.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 19 of 63
pizzadude
Credit Mentor

Re: Credit Karma. Get approved or get $50

Is it $50 per "Karma Guarantee" that is declined ??  I smell a goldmine here...   Smiley Very Happy

 

C'mon, somebody needs to pull the trigger on this! 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 20 of 63
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