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Did Credit Karma say you were “pre-approved” for a credit card, but you ended up denied credit? Then you might be eligible to get a payment.

Denied for a Credit Karma “pre-approved” credit card in 2018 to 2021? You might be eligible to get a payment.

Last year, Credit Karma agreed to pay $3 million to settle charges that it deceived people by claiming — falsely — that they had been “pre-approved” or had “90% odds” of approval for credit cards or loans offered by banks and lenders that used Credit Karma to promote their financial products. According to the FTC, many people who got “pre-approved” credit offers from Credit Karma between 2018 and 2021 weren’t approved for credit and, as a result, wasted time applying and saw their credit scores drop when companies denied their applications.

Now, the FTC is using that money to compensate people for their lost time. Think you might be eligible? To file a claim and see if you’re eligible:

  1. Make sure you have a claim ID. You’ll find it in a letter or email you got from the FTC. If not, send email or call 866-848-0871 to get one.

  1. File a claim online at

The deadline to file a claim is March 4, 2024. The amount of money you might get will depend on several factors, including how many people file claims.

Have questions? Call the administrator at 866-848-0871 or email

Read Understanding Your Credit to learn more about your credit.

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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Barbara A Clark
December 06, 2023

I applied for a preapproved card (Mission) that they said was highly probable that I'd get. If I applied and didn't get it, they would give me $50. I was concerned that it would effect my Fico, and was informed that it wouldn't effect my score. When going onto the application site for the credit card, I noticed that there was an amount of $50,000 already put into the income amount requested. I changed it to $25,000 (which is just about what I make annualy). Needless to say, I was denied. Credit Karma gave me a gift certificate in the amount of $50 to use at Amazon. However, my credit score dropped -1 point. The reason that I applied for the credit card was to try and bring up my FICO. Needless to say, at least they did fulfill the $50 commitment.

Elizabeth C
December 08, 2023

In reply to by Barbara A Clark

This was before they started offering $50 payment online from my understanding. Good Karma on them for being true to their words!

Pamela K Davis
December 06, 2023

I hate credit Karma. They have been very hard to work with, so I use Affirm.

Gary W
December 06, 2023

I was sent a Pre-Approved credit card application from Capital One. I spent my valuable time filling it out, and also spent my own money for a stamp to mail the return app back to Capital One...Lo and behold, I was denied the "Pre Approved" credit card....I will have nothing to do with Capital One ever again!

Henry Lederfeind
December 06, 2023

I had the same, but from Capital One. What should I do? Am I eligible?

Jacqueline Was…
December 06, 2023

They do not respond to request for claim id . As I have requested 3xs now . Definitely been affected.

Sherlynn Ann D…
December 06, 2023

I received notification that I could consolidate my credit card debt with a credit card giving me a line of credit over 2-3 grand approximately, I was pre-approved for. This occurred this year. When I signed up for that credit card, it was through my bank, it was for much less than I was pre-approved for, $500, and the inquiry dropped my credit score. I called the credit card company and had them cancel the card. The amount would only add to my debt. How can this report I’m reading, affect me?

Jen Helgren
December 06, 2023

Looks like Credit Karma got their karma for deceiving people.

Phyllis Weber
December 06, 2023

I was just denied credit from a card I was supposed to be approved for by credit Karma and I did get a message from them that they were sending me a $50 gift card then I got another message saying it was shipped so they now seem to be giving what was promises althoughi have not received it yet

Trivina L Blackburn
December 06, 2023

When I click to send you an email it will come straight back to this page email won't open up to send?

Sharon Beckham
December 06, 2023

In reply to by Trivina L Blackburn

Does the same for me. I just copied and pasted the link on my email. That worked to send them an email.

Lois Ouellette
December 06, 2023

When I called to complain regarding this issue, I was told that those 'pre-approved cards' were merely suggestions

Burnett NEAL
December 07, 2023

Hello I think it's a scam they had my credit all messed up with all the credit Equifax TransUnion all three no protection 😱😱😩😩

December 07, 2023

Using this service I had almost 20 inquiries check systems too many in my opinion. Will not use credit karma again anytime.

December 08, 2023

I applied for multiple loans from OneMain Financial through my Credit Karma account.
While some were listed as "Secured Loan" some were not.
The ones I applied for were "unsecured"
I have spent countless hours on TRYING to get loans through Credit Karma account and I never get approved (they always say....."this is a great match" apparently NOT

Anita Sollars
December 11, 2023

Yes this happened more than one time and also just recently.

December 11, 2023

I see that when a list of “offers” pops up they are in the range of 30% term loans.

Trivina L Blackburn
December 11, 2023

I've received several emails from Credit Karma saying I had a 90% overall approval odd applying for a credit card an was denied my credit score dropped an I even sent emails back to Credit Karma saying they should be took to court over false advertising but they never replied back to me on the matter!

December 11, 2023

I was duped by Credot Karma just a few months ago and yes it said i would get $50.00 if denied, i never got that either. Yes i need a claim ID number , please. Thank you

Doris Connor
December 11, 2023

I was was told since I did not have credit that I was not able to get a credit card. Because they couldn't find my social security number on file to get information on me to find out what my status was so I didn't qualify for a credit card.

Jalisa Davis
January 11, 2024

I was one of them that got an email saying I got approved for a loan and I got denied and it brought my credit down

Angela D Terry
January 16, 2024

What the heck?! I received at least 20 credit check from them telling me I could raise my score with another credit card with a 90% probability of being accepted and was denied. Not only that I've been spammed to no end with emails of 100s of scammers trying to get my info by applying for credit. Where's my money for all of that!? You know Credit Sesame and the credit bureaus do the same thing right?