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Shadowprince

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Credit Karma advised good odds of credit approval
Credit Karma recommended Capital one card and my credit received an inquiry. It caused my credit score to fall 3 points. Credit Karma should not make these recommendations without accurately assessing credit history and current credit status.

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An inquiry generally always causes a slight drop in your credit score. How can a creditor decide if you're credit worthy without running your credit?

 It's up to YOU to read and educate yourself, and understand the articles here. 

Don't knock CK for your lack of knowledge.

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Credit Karma did not cause the reduction in your credit score, you caused that when you applied.   I presume you received a denial based on what ever reason.  Credit Karma would have no knowledge of the requirements of the credit card you applied for.  They can look at the average credit score of the accounts that hold a particular credit card and make recommends based on their assumption.  Its up to you to review the credit card itself and see what others thought of it through their reviews to determine if you were likely to be approved and how you would be treated after acceptance.  When you see you are "Very Likely" to be approved, I would suggest going to the credit card company website and seeing if they have a pre-approval you may qualify for.  Een if you get a pre-approval, there is not 100% chance you will receive the credit card through the actual application process.

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