Ballantyne Magazine

FALL 2017

Ballantyne Magazine covers news, events, real estate, restaurants, shopping, health, schools and business in the upscale Ballantyne Area of Charlotte, NC.

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Page 71 of 99

is a crowded field with established companies offering many promises of "free"— usually free credit checks and reports. But often, free isn't truly free or what's free is short-lived in the form of frequent upsells and hidden charges. That's where Credit Karma is working to distinguish itself. Credit Karma says it is disrupting the industry by making money from strategic advertising, with both its credit and new tax prep/filing operations. The company also doesn't sell users' information. Instead, Credit Karma's website matches users with targeted products. Consumers with fabulous credit are offered one type of credit card, for example, while those with low scores may be offered a product that can help them rebuild their credit. "We're only successful if we're showing consumers the right product in a context where they can click and get accepted in that. Everyone has to win for that to work," Jenkins says. "It's not simple display space." Taking a break at Credit Karma may mean playing foosball or grabbing a snack from the kitchen. To maintain the company's culture and feel in Ballantyne, Credit Karma hired the same architects it used for its San Francisco headquarters. BALLANTYNE FALL 2017 70 Feature

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