How does Kudos show my credit card approval odds?Updated 19 days ago
Approval Odds is a new feature our ours that shows you your likelihood of getting approved for each credit card before you apply. When browsing credit cards in Kudos (web or mobile app), you'll see one of four ratings:
- Excellent - Very high chance of approval
- High - Strong chance of approval
- Moderate - Fair chance of approval
- Low - Lower chance of approval
How Are Approval Odds Calculated?
Your approval odds are calculated using your credit profile data that's already in your Kudos account, including:
- Credit Score: Your current FICO score
- Credit Utilization: Percentage of available credit you're using
- Account History: Length and depth of your credit history
- Recent Inquiries: New accounts and recent applications
- Chase 5/24 Status: Automatically tracked to help with Chase applications
How to View Your Approval Odds
On Web:
- Log in to your Kudos account
- Go to "Explore Cards"
- Browse any credit card - your approval odds will display prominently
On the Kudos Mobile App for iOS:
- Open the Kudos mobile app
- Navigate to the cards section
- View any credit card to see your personalized approval odds
Frequently Asked Questions
How often do approval odds update?
Your approval odds update automatically as your credit profile changes, ensuring you always have current information.
How many cards show approval odds?
Approval odds are available for over 3,000 credit cards in our database.
Will checking my approval odds affect my credit score?
No, viewing your approval odds inside Kudos will not impact your credit score.
Are approval odds guaranteed?
No, approval odds are estimates based on your credit profile. Final approval depends on the card issuer's complete underwriting process and factors beyond our recommendations. Approval is never guaranteed, and applying may result in a hard credit pull that affects your credit score. Always review terms and conditions before applying.
What if my approval odds seem incorrect?
If you believe your approval odds are inaccurate, please contact support at [email protected] with details about the specific card and your concerns.
Benefits of Using Approval Odds
- Avoid wasted hard inquiries - Only apply for cards you're likely to get approved for
- Strategic applications - Focus your applications on cards with better approval chances
- Check Chase 5/24 status automatically - no more counting cards manually
- Increased confidence - Apply knowing your likelihood of approval
- Better planning - Understand which cards to target as your credit improves
Need More Help?
If you have questions about Approval Odds or need assistance with your Kudos account, reach out at [email protected]. We're always happy to help!