Getting Started

To retrieve credit card offers, you must make a request to the API specifying the product type as "credit_card". The response will vary depending on whether Personally Identifiable Information (PII) is provided in the request.

Offer Retrieval Without Lead PII

If lead PII is not provided, the API response will only include ITA offers, which are identified by isITA: true. These offers are not personalized and are generally available to all users.

Offer Retrieval With Lead PII

Providing lead PII and consents in the request allows the user to receive personalized offers in addition to ITA offers. Personalized offers increase the likelihood of issuer approval and are identified by isITA: false.

When isITA: false, the offer response may include one or more of the following approval indicators:

• Pre-Approved (preApproved: true) Indicates that the lead has an excellent chance of being approved for the offer. Final approval still requires a credit check and financial verification by the issuing bank.

• Pre-Qualified (preQualified: true) Indicates that the lead is likely to be approved for the offer. Final approval still requires a credit check and financial verification by the issuing bank.

• Pre-Selected (preSelected: true) Indicates a reasonable chance of approval based on the user's credit profile. Final approval still requires a credit check and financial verification by the issuing bank.

Offer Type	PII Required	Identified by	Approval Likelihood	Disclaimer (Displayed in UI)
ITA (Invitation to Apply)	❌ No	isITA: true	Open to all users
Personalized - Pre-Approved	✅ Yes	isITA: false preApproved: true	Excellent	A preliminary review has been conducted based on the information provided and we think that you have an excellent chance of being approved for this offer. Final approval will still require a credit check and verification of your financial details by the issuing bank.
Personalized - Pre-Qualified	✅ Yes	isITA: false preQualified: true	High	Your credit profile suggests you’re likely to be approved for this offer. Final approval will still require a credit check and verification of your financial details by the issuing bank.
Personalized - Pre-Selected	✅ Yes	isITA: false preSelected: true	Moderate	Based on your credit profile, there is a reasonable chance you may be approved for this offer. Final approval will still require a credit check and verification of your financial details by issuing bank.

This API offers flexibility while ensuring users receive the most relevant and high-quality credit card options based on the information provided.

• If you only require general offers, you can retrieve ITA offers without PII.

• If you want personalized, higher-converting offers, include lead PII and consents in your request to surface pre-approved, pre-qualified, or pre-selected offers.