根据 FTC（Federal Trade Commission）消息，Credit Karma 在 2018 年 2 月-2021 年 4 月期间，给很多用户展示了 Pre-Approved 的信用卡 offer，但是他们其实并不符合 pre-approval 条件。这导致很多申请被拒，造成损失（比如浪费 HP，影响了信用分）。
FTC 要求 CK 停止这样的行为，并且赔偿 $3M，保留之前所有的记录。
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.
个人觉得这个 preapprove 其实看看就好，特别是这种第三方展示的 offer。互联网的时代通过大数据匹配信用卡和用户，过度的广告是很常见的，也蛮难界定是否过分。不过，银行的 offer 倒是有一定靠谱性，通过的概率还是蛮高的。如果你也通过 CK 申请被拒，可能会拿到一定补偿。
