ASK LUCKY (and each other)


Have a travel related question? Post it here, and I’ll do my best to answer it as quickly as possible.

Anyone can post a question, but you'll get the most benefit from registering to join our forum. You'll be able to see when your question is answered, and like comments from other users.

This space is intended to be more of a community as well, so feel free to jump in and share tips!

Thanks for reading!

Best,
Ben

Cardmatch Tool/Chase prequal

Discussion in 'questions. answers. conversations.' started by Travelin'Dandy, Sep 25, 2018.

  1. Travelin'Dandy

    Travelin'Dandy New Member

    Messages:
    5
    Likes Received:
    0
    Hello OMAATers,

    Back with another question after getting useful advice the last time around:)

    So, since we are just getting started on this Points and Miles journey we only have a few cards that were picked up scattershot over the last couple of years. Because of previous credit woes we frankly were surprised we were approved for the first one (Barclays JetBlue) but then took more care of what we chose. That being the case, we have acquired the Jetblue Card, an Amex Delta Gold, and an Amex Cash Magnet (for the 0% APR) since mid 2017.

    Anyhow, we are interested in applying for the Chase Sapphire Preferred and have a question...On the Chase prequal page, my wife (who is the good credit in this household) gets not results back saying there are not any matching offers. However, using the Cardmatch tool, she gets offers for the Preferred and 2 Freedoms.

    Is the Cardmatch tool reliable? Or should we just assume the actual Chase prequal page is telling us the truth and not chance an application?

    Any advice welcome.

    Thanks!

    TD
     
    #1
  2. Tiffany

    Tiffany One Mile At A Time

    Messages:
    6,158
    Likes Received:
    1,795
    Hi! Just because you haven't been pre-qualified for an offer doesn't mean you wouldn't be approved otherwise. It just means you aren't on their marketing list for whatever product. Chase doesn't even use the pre-qual page for their co-branded/partner cards, so it's pretty limited.

    You also don't have to use the Cardmatch tool. I only use it for specific offers that aren't publicly available (like the Amex Platinum bonuses that float around). Keep in mind Cardmatch chooses what offers to display based on what commissions they have negotiated, so sometimes they don't even list all theoretical cards.

    Your approval odds will be the same with Cardmatch versus any other link, so if you have a friend who can refer you to the CSP for the bonus points you can use their link, or we of course appreciate it when folks use our link too :)
     
    #2
    MidSouth Skier likes this.
  3. Travelin'Dandy

    Travelin'Dandy New Member

    Messages:
    5
    Likes Received:
    0
    Thanks! I guess I was just wondering if the Cardmatch tool was a legitimate thing. If its showing me results does that mean I have a chance of getting the cards...that sort of thing.
     
    #3
  4. Tiffany

    Tiffany One Mile At A Time

    Messages:
    6,158
    Likes Received:
    1,795
    Nope. Has nothing/little to do with your credit score, or personal circumstances. Just a marketing tool.
     
    #4