Credit Krama Pre Q's

[My_Fako]

So I went to Credit Krama. It asked me if I wanted to check for pre approvals etc. I entered last 4 of S.S it usually only brings up my Chase big 3 pre approvals. This time it shows Chase and 3 Amex's Blue Cash, EveryDay and Gold. 

I I then went to Amex's site tried preQ nothing. 

Any-chance this might be for real?

[OmarGB9]

Nope. Read the fine print at the bottom of CK's site. They get paid to show you these "offers."

[My_Fako]

😭 Why does it show my Chase preQ's with the right apr'e etc. Same from Chase's website?

[Anonymous]

Hope springs eternal.

It's ok. Been there done that too. 

[CreditDunce]

I agree the CK credit card offers are junk.   But the OP's screen shot has a single interest rate listed.  I think it is a good pre-qual offer.

For reference, CK is not pre-approving me for any CC's.   I wouldn't qualify for another CC from Amex or Chase, though.

[Anonymous]

Understandable. I politely disagree.  I do wish there were more data points to prove that their pre quals were legit. Here is a screen shot from mine, prior to posting.  My CCT this morning is EX 665. I know. Waiting for UTL to clear from 2% back to 1%.  New Chase from 1/19/16 finally posted, and it killed my score by 4 more points. But yes, I agree that seeing a fixed APR posted could lead one to believe it's a valid prequal, but I'm a bit more skeptic. I'm Sorry CD. Not to be offensive!

 

Edit:  trying to not have the hugest pic ever.

[CreditDunce]

It is hard for me to believe CK has good pre-qual offers, too.  Especially, since CK is probably SP'g TU for the Amex pre-qual. 

My last Amex FICO EX-08 score was 803 (30 point drop from last month, I don't micromanage balances reporting).  My TU-08 score is a little lower (800).  However, Amex doesn't show any pre-quals on their site (I have multiple Amex cards).  Nor does Chase (20 something new accounts in the last 2 years, including Chase Freedom).  If CK was just looking at the score, they should give me pre-qual offers for both Amex and Chase.   As a matter of fact, cardmatch actually shows me the Chase Freedom, Slate and CSP (plus a few other cards from other CCC's).

I do agree your scores are a little lower than Amex normally likes.   But there are reports from people getting approved with lower scores.  I think it needs further testing before we can say one way or the other. 

[My_Fako]

I might try tonight. If I get it or don't I'll report back. 

Know one's pulled my EX for 18 Months... so if I don't get it no big deal...

[Anonymous]

Kudos +1  Totally Concur.  

I the rebuilder with a lower score should have less to no prequals vs the higher score with established accounts!  (before anyone gives a detailed reasoning report on what matters inside the reports...we know, just a blanket theorectical statement)

Typed  kudos Bc this is smorgasboard

[My_Fako]

You apping with me?