Flow Design
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This section provides design samples from our experiences, which you can reference to guide the design of your own experience.
To search for credit card offers, there are various entry points for leads to enter the funnel. Below is an example.
Clicking on “See all offers” directs the user through the search flow, where they will answer a series of questions to receive personalized, preselected offers tailored to them.
In the example below, the user selects a benefit option to enter the search funnel. The search quiz is then customized based on their selection, and the credit card offers are tailored to their preferences.
Below is an example of Engine’s Credit Cards partner page, where the user enters the search funnel by clicking on “Get Pre-Approved”.
Search Flow Questions
In the search flow, we ask users a series of questions to help them receive preselected offers. Most of these questions are required by our partners to ensure eligibility and increase the likelihood of issuer approval.
The first question is Card Purposes. This question is optional; however, including it can provide valuable insights into the types of benefits the user is seeking and help display cards that align with their preferences. Additionally, displaying the Mobile Carrier Disclosure is not required, as it is specific to our flow.
The next question is Annual Income. Annual income is mandatory to provide users with Pre-approved, Pre-Qualified or Pre-Selected credit card offers.. We also provide a disclaimer to clarify what should be included in the annual income. This disclaimer is required for compliance purposes:
“List your total available income, including wages, retirement, investments, and rental properties”
The next questions in the flow are Phone Number and Date of Birth, both of which are required to check a user’s eligibility for credit cards.
Phone Number: This is used to send users personalized offers via text messages, ensuring they can easily access their tailored credit card options.
Date of Birth: This information helps validate the user’s identity and ensures they meet the age requirements set by our credit card partners.
The next question is First Name/Last Name. This information is used to verify the user’s identity and access their credit history without impacting their credit score.
The following question is Address/City/State/Zip Code. This information helps verify the user’s identity and ensures they are provided with credit card offers available in their region. We use google powered address autocomplete feature to assist in typing address and making sure it is correct.
The final question is Email Address. This is used to share personalized credit card offers and to communicate important updates about their application or recommendations.
Once a user clicks on See My Offers, they are directed to this page while we match them with relevant credit card offers and generate a rate table with all available offers. The wait time for this process may take up to 15 seconds.
Engine recommends that partners building a Native API integration display offers with isITA: false with the highest recommendation scores first, followed by offers with isITA: true.
isITA: false
These offers should be grouped together, badged for clarity (e.g., "Pre-Approved"), and displayed prominently.
Here are the badges recommendations:
preQualified: false
preApproved: false
preSelected: false
Do not show any badge for the offer
preApproved: true
Show Badge “You are Pre-Approved”
We have conducted a preliminary review based on the information you provided and 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.
preQualified: true
Show Badge “Good chance of approval”
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.
preApproved: true
Show Badge “Credit profile matched”
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.
isITA: true - These can be placed in a separate section and the badges field in offer response can be used to determine what badge to display for each ITA offer.
Here is an example from Engine-owned experiences for your reference:
