Creditcards.com Pre Qual??

[chosen4th]

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!

[bigblue7722]

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@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!

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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. 

[Anonymous]

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

[chosen4th]

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

[Anonymous]

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@bigblue7722 wrote:

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@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!

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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. 

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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.

[chosen4th]

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

[bigblue7722]

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@chosen4th wrote:

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

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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

[Boragard]

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. 

[wacdenney]

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.

[Boragard]

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@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.

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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!