根據 FTC（Federal Trade Commission）消息，Credit Karma 在 2018 年 2 月-2021 年 4 月期間，向許多使用者展示了 Pre-Approved 的信用卡優惠，但他們其實並不符合 pre-approval 條件。這導致許多申請被拒，造成損失（例如浪費 HP，影響信用分數）。

FTC 要求 CK 停止這樣的行為，並且賠償 $3,000,000，保留先前所有的紀錄。

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.


個人覺得這個 preapprove 其實看看就好，特別是這種第三方展示的優惠。在網路時代，透過大數據來配對信用卡和使用者，過度廣告其實很常見，也很難界定是否過當。不過，銀行提供的優惠倒是有一定可信度，通過的機率還是蠻高的。如果你也透過 CK 申請被拒，可能會拿到一定補償。