Track Record
Every day, CreditPoints records a timing verdict for each credit card it actively tracks — apply now, consider waiting, or neutral — computed from that morning's observed offer and its tracked history, and timestamped before the outcome is known. Verdicts are never edited or deleted afterward. This page is the complete public record.
CreditPoints has recorded daily credit-card offer verdicts since August 12, 2026. As of October 3, 2026, the ledger contains 1,491 timestamped verdicts across 47 cards, and 200 verdicts have reached the 30-day evaluation horizon.
Recording since
August 12, 2026
Verdicts recorded
1,491
Cards covered
47
Matured outcomes
200
Calibration figures above cover verdicts from our current live-data methodology. 412 earlier-methodology verdicts (of 1903 rows total) remain preserved in the ledger for auditability but are excluded from accuracy statistics.
What is recorded, and how it gets judged
Each verdict row stores the observed bonus, the tracked average and high, the CP Offer Score with its factor breakdown, a confidence tier derived from how many observations back it, and a reference to the exact scraper snapshot it was computed from. Cards without current live data are skipped and counted — never guessed.
A verdict is judged against what actually happened next: after 30 days we compare the offers observed in that window to the offer at verdict time. "Consider waiting" is correct if a materially better offer (≥10% higher) appeared; "apply now" and "neutral" are correct if none did. Too little data in the window is recorded as inconclusive, not guessed.
The scoring formula is versioned, so a future formula change can never silently mix differently-computed scores in one record. Full details in the methodology.
What this record can and cannot prove yet
200 outcomes have matured. Calibration metrics below are computed from completed evaluation windows only.
There is no backfill. Rows exist only from the real start date forward — a track record recorded after the fact would not be one. If we ever publish reconstructions from archived data, they will be a separate, explicitly labeled dataset.
Most recent verdicts
| Date | Card | Verdict | Score | Confidence |
|---|---|---|---|---|
| 2026-10-03 | chase-british-airways | Neutral | 62 | high |
| 2026-10-03 | chase-iberia | Neutral | 62 | high |
| 2026-10-03 | chase-aer-lingus | Neutral | 62 | high |
| 2026-10-03 | hilton-honors-card | Apply now | 61 | high |
| 2026-10-03 | choice-privileges-select | Neutral | 61 | high |
| 2026-10-03 | chase-sapphire-preferred | Consider waiting | 77 | high |
| 2026-10-03 | chase-sapphire-reserve | Neutral | 67 | high |
| 2026-10-03 | chase-freedom-unlimited | Neutral | 59 | high |
| 2026-10-03 | hilton-aspire | Apply now | 55 | high |
| 2026-10-03 | chase-ink-business-preferred | Neutral | 75 | high |
| 2026-10-03 | chase-ink-business-premier | Neutral | 59 | high |
| 2026-10-03 | world-of-hyatt | Consider waiting | 67 | high |
| 2026-10-03 | southwest-priority | Neutral | 52 | high |
| 2026-10-03 | marriott-bonvoy-boundless | Consider waiting | 65 | high |
| 2026-10-03 | delta-reserve | Neutral | 43 | medium |
Scores computed with formula v7-capped-earn-rates-2026-08-26. Each row references the exact issuer-page snapshot it was derived from.
Data provenance
Verdicts are computed exclusively from offers our own tracker observed on issuer pages (nightly scrapes, verified snapshots). Archival or reconstructed history is never mixed into this ledger. The ledger is append-only: a written verdict is immutable, and corrections can only appear as future rows.
2026-08-11 was a pre-official bring-up day (51 records). Those rows are retained for provenance and debugging but are excluded from every figure on this page.