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TCCP: Exclude non-targeted cards #8262

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@chosak chosak commented Mar 21, 2024

Some credit cards offer a purchase APR for a specific credit tier but are not marked as being "specifically targeted" to that credit tier, recorded in the TCCP survey under the "Targeted credit tiers" column.

Previously TCCP filter results would include these cards, so if a user marked their credit tier as 620-719, they might see cards that, while they offer a purchase APR for this range, are not marked as being "specifically targeted" to this range.

This change removes those cards from the results.

How to test this PR

The easiest way to do this is to do a search and see what doesn't show up in the results. Run a local server and visit this link. That link shows cards for the "good" tier in DC, ordered by card name. You'll see that this card doesn't show up, even though it is available in that location and has a purchase APR for the good tier.

Checklist

  • PR has an informative and human-readable title
  • Changes are limited to a single goal (no scope creep)
  • Code follows the standards laid out in the CFPB development guidelines

@chosak chosak requested review from contolini and niqjohnson March 21, 2024 18:02
@chosak chosak added the hold label Mar 21, 2024
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chosak commented Mar 21, 2024

Placing this on hold pending further internal discussion.

Some credit cards offer a purchase APR for a specific credit tier but
are not marked as being "specifically targeted" to that credit tier,
recorded in the TCCP survey under the "Targeted credit tiers" column.

Previously TCCP filter results would include these cards, so if a user
marked their credit tier as 620-719, they might see cards that, while
they offer a purchase APR for this range, are not marked as being
"specifically targeted" to this range.

This change removes those cards from the results.
@chosak chosak force-pushed the tccp/filter-nontargeted-tiers branch from fb8697a to bee2c46 Compare April 2, 2024 14:17
@chosak chosak removed the hold label Apr 2, 2024
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chosak commented Apr 2, 2024

Removing hold label as we have settled on new purchase APR logic that will include this change. @contolini @niqjohnson

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🎉

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chosak commented Apr 2, 2024

Closing in favor of #8285, which includes the commit here as well as other purchase APR logic changes.

@chosak chosak closed this Apr 2, 2024
@chosak chosak deleted the tccp/filter-nontargeted-tiers branch April 2, 2024 20:24
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2 participants