How accurate is card match?

Anonymous · ‎09-23-2014

I've been logging on to the card match site the past few months. At first, only regular cap 1 cards came up. Last month, the QS popped up. Last night, AMEX showed up. Has anyone apped for something card match suggested and got it? Especially AMEX Everyday? Thanks!

Anonymous · ‎09-23-2014

Told me I was not qualified for anything and I got my AMEX's a few days later along with my Sallie Mae. I'd say its not that accurate but YMMV. Try going to the individual lenders pre-qualify tools to see a somewhat more accurate result. Just my 2 cents.

b_diddy · ‎09-23-2014

@Anonymous wrote:
Told me I was not qualified for anything and I got my AMEX's a few days later along with my Sallie Mae. I'd say its not that accurate but YMMV. Try going to the individual lenders pre-qualify tools to see a somewhat more accurate result. Just my 2 cents.

+1

I wouldn't base an app on one ... ditto what glb68sg said but YMMV.

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)

CreditDunce · ‎09-23-2014

I haven't heard CM is horrible. If they say you are pre-qual, you will likely get the card.

However, for the Amex, I would check their website's pre-qual site. Assuming the CM offer is not any better than the public one AE offers, I would apply directly through AE.

Note: CreditKarma, pre-qual'd me for the ED/EDP cards with a better sign bonus than the public one I received. They just gave me the offer a couple of days after I app'd for the AE card. If you have CK account, it might be wise to carefully review what they offer, too. Note, most of the CK offers are just marketing tools, they are not pre-qual offers so be careful.

Anonymous · ‎09-23-2014

@Anonymous wrote:
Told me I was not qualified for anything and I got my AMEX's a few days later along with my Sallie Mae. I'd say its not that accurate but YMMV. Try going to the individual lenders pre-qualify tools to see a somewhat more accurate result. Just my 2 cents.

I usually don't count that sort of issue (where no card is found) against the site. It may be they haven't done a recent check in your area/credit score range etc. More important is what happens when a "preapproval" does appear.

In your case, did you also try the Amex preapproval site once card match showed nothing?

Anonymous · ‎09-23-2014

@Anonymous wrote:
@Anonymous wrote:
Told me I was not qualified for anything and I got my AMEX's a few days later along with my Sallie Mae. I'd say its not that accurate but YMMV. Try going to the individual lenders pre-qualify tools to see a somewhat more accurate result. Just my 2 cents.
I usually don't count that sort of issue (where no card is found) against the site. It may be they haven't done a recent check in your area/credit score range etc. More important is what happens when a "preapproval" does appear.

In your case, did you also try the Amex preapproval site once card match showed nothing?

I did check Amex site, but it doesn't seem to be a pre-qual, just rather a recommendation. It didn't ask for my last 4 of my social, so they would have no idea if I'm qualified. Maybe I clicked on the wrong section of the site.

Anonymous · ‎09-23-2014

@CreditDunce wrote:
I haven't heard CM is horrible. If they say you are pre-qual, you will likely get the card.

However, for the Amex, I would check their website's pre-qual site. Assuming the CM offer is not any better than the public one AE offers, I would apply directly through AE.

Note: CreditKarma, pre-qual'd me for the ED/EDP cards with a better sign bonus than the public one I received. They just gave me the offer a couple of days after I app'd for the AE card. If you have CK account, it might be wise to carefully review what they offer, too. Note, most of the CK offers are just marketing tools, they are not pre-qual offers so be careful.

I'm really tempted because when it showed I was most likely to get the Everday card, I nearly peed my pants! Haha. All jokes aside, that's my dream card!

Anonymous · ‎09-23-2014

Ok so I have had some deals over the years and in the process of rebuilding my credit. I have two CapOne Cards with 25% utilization but would like to apply for another, maybe Walmart. Im scared of the denial and the hard hit on my report. Should I just say screw it and take the chance?

Anonymous · ‎09-23-2014

@Anonymous wrote:
Ok so I have had some deals over the years and in the process of rebuilding my credit. I have two CapOne Cards with 25% utilization but would like to apply for another, maybe Walmart. Im scared of the denial and the hard hit on my report. Should I just say screw it and take the chance?

How many inquiries? Any baddies? Walmart was very easy for me to get on my rebuilding journey. I didn't think I'd be approved and said to hell with it... Instant approval. They took my TU report, which had probably 5 Inq, making them 6. They don't seem to be inquiry sensitive.

CreditDunce · ‎09-23-2014

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Told me I was not qualified for anything and I got my AMEX's a few days later along with my Sallie Mae. I'd say its not that accurate but YMMV. Try going to the individual lenders pre-qualify tools to see a somewhat more accurate result. Just my 2 cents.
I usually don't count that sort of issue (where no card is found) against the site. It may be they haven't done a recent check in your area/credit score range etc. More important is what happens when a "preapproval" does appear.

In your case, did you also try the Amex preapproval site once card match showed nothing?
I did check Amex site, but it doesn't seem to be a pre-qual, just rather a recommendation. It didn't ask for my last 4 of my social, so they would have no idea if I'm qualified. Maybe I clicked on the wrong section of the site.

Clear out your browser's cookies or use a different browser. Go to AE's website. Click on View All Cards. Near the top, there should be a banner that says "View All 21 American Express Cards Check for Pre-Selected Offers".

The next screen ask for your name, addr, last four social, etc. If you are looking for the ED/EDP card, I would select Reward Points.