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  1. #1
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    Default credit karma questions

    So I see that people on here use credit karma and I wanted to know if there were any catches to it.
    March 2011- Wellsfargo Cash Back College Card
    May 2012- Chase Freedom
    May 2012- Discover IT
    August 2012- American Express Blue Cash Everyday
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  2. #2
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    None that I have encountered. It is a FAKO score, but it has some good info. I check it every now and then. It's a good place to see what cards you might qualify for.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  3. #3
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    and it is completely free?
    March 2011- Wellsfargo Cash Back College Card
    May 2012- Chase Freedom
    May 2012- Discover IT
    August 2012- American Express Blue Cash Everyday
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    Quote Originally Posted by 432521 View Post
    and it is completely free?
    Yes it's completely free. They do serve up ads for credit cards and other things to make money but you can totally ignore those.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    Discover It: 5% rotating
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  5. #5
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    Quote Originally Posted by RewardHop View Post
    Yes it's completely free. They do serve up ads for credit cards and other things to make money but you can totally ignore those.
    I agree, they do have places on their site with credit cards and loans and things, but the credit report card and set of scores is indeed free. If only there was a way to get the FICO 08 consumer and lender versions free, or if we regular people could just know what the banks underwrite on for the financial products we are interested in.
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  6. #6
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    I like it, it's free and has fresh TransUnion info.
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  7. #7
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    Its a FREE site to use and has great info that gets updated every month. I would definitely sign up and join.
    Chase Freedom - $8,000 (2/2013)
    GM Card - $7,700 (7/2002)
    CitiBank (Thank You Preferred) - $6,400 (6/2012)
    CitiBank (Diamond Preferred) - $4,600 (6/2012)
    Rogers & Hollands - $3,250 (3/2006)
    BestBuy - $1,600 (9/2003)
    Discount Tires - $1,000 (2/2004)
    Kohl's - $300 (4/2012)
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  8. Centurion Member
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    Quote Originally Posted by Dylan1982 View Post
    Its a FREE site to use and has great info that gets updated every month
    Credit Sesame updates monthly (also a good site). Credit Karma will update daily if requested.
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  9. #9
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    I definitely recommend signing up for both of them.
    Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
    Plane tickets: CSP
    Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
    Clothes: Express, Amex BCP, Discover IT
    Amazon: Citi Forward, Cash +
    Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
    Hotels and other travel: Discover Escape, CSP
    Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
    Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
    Balance transfers: Kroger 123 rewards
    Bill Pay: Chase Ink Plus, Citi Forward
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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  10. #10
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    Quote Originally Posted by DavidNY View Post
    Credit Sesame updates monthly (also a good site). Credit Karma will update daily if requested.
    Yeah I use both, Credit Karma and Credit Sesame!
    Chase Freedom - $8,000 (2/2013)
    GM Card - $7,700 (7/2002)
    CitiBank (Thank You Preferred) - $6,400 (6/2012)
    CitiBank (Diamond Preferred) - $4,600 (6/2012)
    Rogers & Hollands - $3,250 (3/2006)
    BestBuy - $1,600 (9/2003)
    Discount Tires - $1,000 (2/2004)
    Kohl's - $300 (4/2012)
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