Charges & Financial Obligations · Restriction or exception
A pre-qualified offer is not credit approval
Requesting pre-qualified offers through the platform is not a credit application and does not guarantee approval. You still need to submit an application to a participating issuer.
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Supporting quotations
I understand that requesting pre-qualified offers through Credit Karma’s CC Pre-Qualification Platform is not an application for credit and does not guarantee approval. I also understand that I will still need to submit an application with participating issuers.
Charges & Financial Obligations · Restriction or exception
Applying for an offer may affect your credit score
Checking for pre-qualified offers does not create a hard inquiry or affect your score. If you choose to apply for an offer with a participating issuer, however, that issuer may run a hard inquiry, which can affect your credit score.
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Supporting quotations
While checking for pre-qualified offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for a pre-qualified offer with a participating issuer, that issuer may run a hard inquiry, which can impact my credit score.
Cross-references
contrast (model-proposed): Issuers may use soft credit checks only to identify and provide offers — The no-score-impact assurance applies to pre-qualification soft checks. Applying for a resulting offer is a separate step at which the issuer may make a hard inquiry that can affect the score.
Charges & Financial Obligations · Restriction or exception
The platform does not cover all issuers or all their products
Many credit card issuers participate, but not all do. Even for a participating issuer, the platform may omit some products. The terms describe available products as subject to change.
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Supporting quotations
Available Products Subject to Change. I understand that many, but not all, credit card issuers participate in the CC Pre-Qualification Platform and that the platform may not include every product offered by participating issuers.