June 27th, 2011

The Credit Card Companies Aren’t Going to Like This…

9 Comments | Twitter | |


Ever wondered how credit card companies decide who to approve? Well, Credit Karma has been busy crunching billions of data points and we’ve come up with a way to help you avoid being declined for a credit card.

We’re introducing Approval Odds to our credit card section, a new, free feature that will help guide you even more in your credit card decisions.

Credit Karma’s Approval Odds are:

  • Tailored. We use key factors from your credit profile and some mind-numbing math to calculate your approval odds for over 30 of our top credit cards.
  • Up Front. The Approval odds badge appears right next to Credit Karma’s credit card offers to help you understand how likely you are to be approved for that offer.
  • Credit Smart. Too many inquiries on your credit report can impact your credit health. Following the badges to the best offer is a good way to keep inquiries down by avoiding declined applications.

We’re pretty excited about this cool feature because it will help you figure out which credit card is best for you and help you avoid applying for cards that aren’t suited to your credit life.

Approval Odds will kick in and update when you update your credit score at Credit Karma. Keep up with your credit score health and we’ll keep you up to date with your latest Approval Odds.

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. My question my approved odds shows N/A, How would know if I get approved for it?

    Tracey Crawford at 7:28 pm on February 22, 2014
  2. Mike

    Thanks for the question Tracey. If you could email Member Support at support@creditkarma.com, they’d be happy to have a look at your issue. Thanks!

    Mike at 2:04 pm on February 24, 2014
  3. I only have 1(one) CC it is with Elan Financial Services. I have had it for 5(five) years and always pay it off or make the minimum or more than the min. each month. I see that this shows that I depend on it too much, however conventional thought was using it and paying on time and paying the min. or more each month was a sign of “good credit risk” and “use”.

    Am I getting older or am I just not in touch with today’s economic modus operandi? Should I stay with what I have or go for a balance transfer with a different CC company or one that is a great card for me based on my credit score. What say you!

    Leonard H. at 4:32 pm on August 5, 2014

Enter your comment