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.
Here are my Karma Guarantees!!
Prosper Card
Credit One Bank Platinum Visa
Cerulean Mastercard
Indigo Mastercard Cashback Rewards
We definitely aren't their target demographic! 🤣🤣
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.
@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 got the same 'guarantee' as @UncleB . I'm ready for someone to put this to the test. Any takers? 😁
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.
@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.
Is it $50 per "Karma Guarantee" that is declined ?? I smell a goldmine here...
C'mon, somebody needs to pull the trigger on this!