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Question By
kso1981

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CreditKarma "recommended" that i apply for 2 credit cards only for me to get declined... WHY???
HURTS MY CREDIT AND DOESNT HELP IT!!!

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You need to do your research. CK uses Vantage scoring 3.0, which generally results in an inflated score. FICO scoring is usually a lower score. You should be reading the articles here and other areas to understand credit.

Top Contributor
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I'm sorry you had to learn this lesson the hard way, but Credit Karma's card suggestions aren't 100% reliable. Your best bet is to go to the website of the credit card you want. See if they have a "check for prequalified offers" feature. This allows you to input some basic info such as your name, DOB, address, and last 4 of your Social Security number. There is usually a box to check that acknowledges you understand this is not an application and using this feature will not harm your credit. Then hit go and if there are any prequalified offers it will say so. If it says sorry, we could not find any offers for you at this time, believe it and don't apply. 
This does not hold true with Discover though. Their tool is useless, because no matter whose information is entered and what their credit looks like, it will come back with the same suggestions. Don't trust that one. 

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