Backpocket is a second opinion for credit card decisions. Enter the cards you have, or just name the one you're considering, and it runs the math: your 5/24 status, issuer bonus-eligibility rules, today's public offers with capture dates, and what your annual fees cost against what your cards earn. One call comes back — apply, wait, downgrade, or cancel — with every number traceable. It works without an account and never connects to your bank.
most people have never totaled the second line
Yes. Card checks and the wallet audit are free and don't require an account.
No. You tell it which cards you have; that's everything it needs. Nothing connects to your bank, and there's nothing to breach.
Right now it doesn't. There are no affiliate links and no issuer pays for placement — when you open a card, Backpocket earns nothing. If a paid tier ever exists, it will sell alerts and depth, not rankings.
Chase's unwritten rule: open five or more personal cards in 24 months, at any bank, and most Chase applications get declined. It's the first thing Backpocket checks before recommending anything.
Public sources — issuer pages and community trackers like Doctor of Credit — captured with a date. Every verdict shows when its offer data was captured.
No. It's arithmetic on public data, with the assumptions shown. Check the math — that's what it's for.