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Card match

Frequent Contributor

Card match

It's a soft pull service that matches cards to your profile...anyone ever used this? It said I could get a cap one cash rewards, but cap one's website doesn't have any per approvals for me. I did opt that why? Or is it because I have a bbrzmc and am an AU on my husband's cap one?

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Message 1 of 5
Frequent Contributor

Re: Card match

I think those services look at your profile and compare you to others and who got what sort of thing.


Being prequalified means that the bank itself did that and wants you to apply the two are pretty much unrelated and neither guarentees an approval (or even a denial for that matter)

Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Message 2 of 5
Frequent Contributor

Re: Card match

I tried it once. It seemed very strange - recommended just about every amex revolver, and just about every cap on prime card (no citi or chase which I thought was odd)


Another thing that was strange about it was it recommended  me a few rebuilder/first premier cards, even though I'm not rebuilding and the cards listed in my sig are the only ones I have ever had (with the exception of a cap one student card that I've permanently sd'ed until they close it for me.)


To try to answer your question though, I am opted in and got cap one offers for the card match, but get nothing whenever I try their prequalifier. I don't think card match is a reliable service, and even though they sp ex they still tailor their results to promote ccc's that pay them the most (or probably something like that anyway).

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Message 3 of 5

Re: Card match

They have to make their money somewhere, so presumably they're taking "advertisement" money for recommending certain lender's cards.


No different than Credit Karma in that regard.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)

Take the myFICO Fitness Challenge
Message 4 of 5
Super Contributor

Re: Card match

Just tried this, really is quite funny....


According to this, not only do I qualify for THREE AMAZING FIRST PREMIER CARDS....BUT....


Also the amex plat,PRG and a bunch of cap1s 

Message 5 of 5