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Card Match only showing me **bleep** cards (changed address recently)

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New Contributor

Card Match only showing me **bleep** cards (changed address recently)

So, I lived at my previous address 12+ years, which overlaps with the time in which I started playing the credit card/reward/points/churning game. I started building my credit in 2018, and in that time until the present, I've progressed from EX 540 to EX 760. 

 

However, in Jan 2020, I moved, and ever since I did, Card Match (which previously only showed me mediocre cards like the lower tier of Capitol One offerings) only shows me totally **bleep**, low-prime cards like Credit One. Has anyone else experienced this? Is there any way around it? I also tried entering my old address into Card Match, but the same **bleep** low-prime card matches are all I get.

EX (Fico 8): 761 TU (Vantage 3): 770 EQ (Vantage 3): 762
Amex Platinum; Amex Gold; Amex Green; Amex Hilton Aspire $11,500; Citi AA MileUp $7,700; Amex Everyday Preferred $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; Amex Delta Business Gold $10,000; Amex Hilton Business $3,000; Bank of America Alaska Airlines card $3,200; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: Dec. 2019
Store cards: Amazon (Synchrony) $1,000
Goals: EX 780 by early 2021
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Chase Ink Cash; Chase World of Hyatt; Schwab Plat; Barclay Aviator Red; Citi Prestige
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Valued Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)

Where are you seeing these "card matches?" Are you referring to an app like Credit Karma or Experian? If so, don't put any weight behind those matches. They are purely for marketing purposes. 





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Frequent Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@KLEXH25 wrote:

Where are you seeing these "card matches?" Are you referring to an app like Credit Karma or Experian? If so, don't put any weight behind those matches. They are purely for marketing purposes. 


www.creditcards.com 

 

Card Match tool


EX8: 737 | Oldest: 11 mo.
Message 3 of 10
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Valued Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)

Don't put a lot of weight behind that tool. Like the rest, Credit Match is mostly marketing.

Love yourself, embrace yourself, be yourself-
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New Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@blindambition wrote:

Don't put a lot of weight behind that tool. Like the rest, Credit Match is mostly marketing.


Yes, I realize that, but I'm just trying to understand the striking change in recommendations.

EX (Fico 8): 761 TU (Vantage 3): 770 EQ (Vantage 3): 762
Amex Platinum; Amex Gold; Amex Green; Amex Hilton Aspire $11,500; Citi AA MileUp $7,700; Amex Everyday Preferred $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; Amex Delta Business Gold $10,000; Amex Hilton Business $3,000; Bank of America Alaska Airlines card $3,200; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: Dec. 2019
Store cards: Amazon (Synchrony) $1,000
Goals: EX 780 by early 2021
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Chase Ink Cash; Chase World of Hyatt; Schwab Plat; Barclay Aviator Red; Citi Prestige
Message 5 of 10
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Super Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@blindambition wrote:

Don't put a lot of weight behind that tool. Like the rest, Credit Match is mostly marketing.


Credit Match actually gives legit prequals.

 

As for why they aren't showing right now, Chase has stopped participating for the time being so only AMEX and Credit One are listed as partners. Citi, BoA, Capital One, and Discover are also listed by name at the bottom of the page despite not showing up on the brand list at all. 

 

The fact is that prequals are hard to come by right now. Citi took down their prequals entirely, Capital One switched to only giving them for their subprime cards, etc.



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Frequent Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)

Creditcards.com is most very definitely not a charity.

Credit cards are still being issued but issuers are pulling back hugely on marketing to third parties.

That may be one component.

Message 7 of 10
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Established Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@TheRationalConsumer wrote:

Creditcards.com is most very definitely not a charity.

Credit cards are still being issued but issuers are pulling back hugely on marketing to third parties.

That may be one component.


This exactly. I always saw it as whatever issuer was paying the highest for advertising at the time would be the first to have their corresponding lineup of products displayed by the respective monitoring/matchup service. Example: AMEX budgets higher amounts for advertising in a given month, pays Credit Karma a higher premium for that period. Your approval odds go from showing "good" to now showing "excellent," despite no change in your actual profile. I agree with @Saeren  that this site is more legit at matching than sites like Credit Karma, because I see when I check card match a legit SP shows up on my reports, but they still pedal to the highest bidder. 


FICO 8 8/20: EX 725 EQ 731 TU 734
"Friends don't let friends earn 1% cash back."
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Mega Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@Ficoproblems247 wrote:

@TheRationalConsumer wrote:

Creditcards.com is most very definitely not a charity.

Credit cards are still being issued but issuers are pulling back hugely on marketing to third parties.

That may be one component.


This exactly. I always saw it as whatever issuer was paying the highest for advertising at the time would be the first to have their corresponding lineup of products displayed by the respective monitoring/matchup service. Example: AMEX budgets higher amounts for advertising in a given month, pays Credit Karma a higher premium for that period. Your approval odds go from showing "good" to now showing "excellent," despite no change in your actual profile. I agree with @Saeren  that this site is more legit at matching than sites like Credit Karma, because I see when I check card match a legit SP shows up on my reports, but they still pedal to the highest bidder. 


Also, at least historically, Card Match has had some better offers. e.g. the 100K MR for Plat, removing the need to spend hours trying to get it to come up incognito on the Amex site.

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Regular Contributor

Re: Card Match only showing me **bleep** cards (changed address recently)


@Saeren wrote:

@blindambition wrote:

Don't put a lot of weight behind that tool. Like the rest, Credit Match is mostly marketing.


Credit Match actually gives legit prequals.

 

As for why they aren't showing right now, Chase has stopped participating for the time being so only AMEX and Credit One are listed as partners. Citi, BoA, Capital One, and Discover are also listed by name at the bottom of the page despite not showing up on the brand list at all. 

 

The fact is that prequals are hard to come by right now. Citi took down their prequals entirely, Capital One switched to only giving them for their subprime cards, etc.


Agree with this entirely. There's hardly anyone pushing prequals through Cardmatch in this current climate. I think the last time I checked it was back in April and decided it probably wouldn't be helpful for the foreseeable future. 

Scores: (6/27/20) EQ: 759, EX: 771, TU: 755
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