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Question By
Tryingtobuildit

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Why was I given a recomendation for a capital one card if it was jut going to shoot me down
Wtf are the recomendation given to people with almost good credit for---- just to lower your score when you try to follow the advice the **** site just gave. I call bull****

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Credit Karma is only using basic information to indicate your chances of approval.  It is never even close to the actual decision.  It is based on the card providers averages.   For example, if the card approves people between 650 and 800, when your score is reflected at 650, you get a flag and thus the odds.  The ultimate decision rests with the credit card company.   Perhaps you have public comment or a derogatory on your record they did not like.   When you see an "odds good" you would be best suited to go to that card vendors site to see if they have a pre-qualification process.   If they say you are pre-qualified, your chances increase, although on actual application, you can still be denied. 

Top Contributor
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1) recomendation doesn't equal guarentee

2) fako doesn't equal fico

3) credit karma isn't a credit card company

Honestly, you're gunshot reaction to a declined application says you need to study credit more.

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