根據 FTC（Federal Trade Commission）消息，Credit Karma 在 2018 年 2 月至 2021 年 4 月期間，向很多用戶展示了 Pre-Approved 的信用卡優惠，但其實他們並不符合 pre-approval 條件。這導致很多申請被拒，造成損失（例如浪費 HP，影響信用分數）。

FTC 要求 CK 停止這類行為，並賠償 $3,000,000，以及保留之前所有相關記錄。

Stop deceiving consumers: The FTC’s order prohibits Credit Karma from deceiving consumers about whether they are approved or pre-approved for a credit offer, as well as about the odds or likelihood that a consumer will be approved for a credit offer.

Pay $3 million in consumer redress: The order requires Credit Karma to pay $3 million to the FTC, which will be sent to consumers who were harmed by the company’s actions.

Preserve records: To help prevent further use of deceptive dark patterns, the order requires Credit Karma to preserve records of any market, behavioral, or psychological research, or user, customer, or usability testing, including any A/B or multivariate testing, copy testing, surveys, focus groups, interviews, clickstream analysis, eye or mouse tracking studies, heat maps, or session replays or recordings.


我個人覺得這類 preapprove 其實看看就好，特別是這種第三方展示的優惠。在互聯網時代，透過大數據去配對信用卡和用戶，過度投放廣告其實很常見，也很難界定是否過火。不過，銀行自己的優惠始終有一定可信性，獲批機率還是相對較高。如果你也曾經經由 CK 申請而被拒，或許會拿到一定補償。