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Question By
musiclifer55

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4 People Helped
Has anyone been turned down for a credit card when CK's approval odds were "very good"?
i want to apply for Barclay"s NFL Extra Points card but I don't want another hard pull unless it gets me anew card.

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1 Contribution
2 People Helped

Credit karma approval odds

Helpful to 2 out of 2 people

C K said odds were very good still got declined . Took a 2 point hit cuz of the hard inquiry . Thanks a lot CK

1 Contribution
12 People Helped

extremely upset

Helpful to 12 out of 12 people

I'm trying to rebuild my credit and credit karma recommend me for an card inwhich i was deined for. Why offer this to members and giving high hopes of good approval rating. Thanks credit karma for gving me false info.

Reply by
katedarlin3

1 Contribution
3 People Helped
Helpful to 3 out of 4 people

Same thing happened to me.  Thanks Credit Karma.

5 Contributions
6 People Helped

Yes

Helpful to 1 out of 1 people

I have applied twice to credit cards that stated that I had very good odds.  Both were American Express Cards.  I was disappointed mostly because of the ding on my credit score for a hard inquiry.  I think it is probablty best to go to the Pre-Qualify tool for individual credit card companies instead of depending on Credit Karma.  I have actually raised my credit score 100 points the past 6 months by getting some credit cards and I pay them off each month.  My issue really is too much recent credit.  

I have received a couple of pre-qualify offers through the mail and in both cases it worked for me.  One was for Capital One GM Power Buy Card (got a $300 credit line) and the other for Discover IT ($1200 Credit Line).  

I am trying to get cards that allow me to get rewards back.  My goal is to actually in about 6 months get the Capital One Quicksliver card.  I am out of the country a lot so I like the cards also with no Foreign Transaction Fees such as Capital One, AMEX and Discover.  

(First Access Visa $300 - US Bank Secured VISA $2000 - Capital One Secured Mastercard $3000 - GM Visa Power Buy Card $300 - Kohl's $300 - Discover IT $1200 - Fingerhut $1000). Total credit line $8100     Total Utilization 1%. )

8 Contributions
5 People Helped

fico

Helpful to 1 out of 1 people

Creditkarma is vantage scores and credit card companies don't use vantage scores they use fico scores! look up your FICO score not vantage scores.

2 Contributions
15 People Helped

Bad feeling

Helpful to 2 out of 3 people

Wanted a card for balance transfer, said had very good chance was denied score went down, I have given up, will continue to pay my 2 cards off but will not charge anymore, and will not close them right away.

1 Contribution
5 People Helped

very disappointing

Helpful to 5 out of 5 people

I applied with a very good for applying. Score was at 699. It caused a hard inquiry and lowered my score and i didnt get approved. I think credit karma is a rouse just to get people to apply.

Reply by
Cvh60

2 Contributions
0 People Helped

i agree!..

2 Contributions
19 People Helped

YES

Helpful to 5 out of 5 people

It is very possible! I am a 20 year old, full time college student and part-time worker. I make about $8k/year and I have made 33 on time payments out of 33 total payments. I also applied for a Capital One credit card that I had a "Very Good" chance of getting (Credit Karma) and got denied. I'm sure it was because I do not have much of a credit history, but what the hell does it matter when they will just suck the money out of me either way?

2 Contributions
0 People Helped

I got declined

Yes I had a problem when I applied to the credit card that credit karma said I have good approval.... Thanks alot

1 Contribution
0 People Helped

Good means bad

I agree trying very hard to improve credit, and now I'm down 40 points. What's the point of saying GOOD, not happy at all, You can keep your declined letter.

1 Contribution
0 People Helped

Did not get approved

I applied for a loan to consolidate some debt and credit karma said the approval odds were very good but I got denied..... thanks, I was hopeful to get some debt relief but I guess not.

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