10-27-2012 09:02 AM
Long time lurker first time poster.
Applied for the Amazon Chase Rewards Visa Card. Offered $50 GC and instant decision.
Got the 30 Day Wait notification for a decision. That was 4 days ago, Checked my score etc.
after their HP. Score is 716, I have no delinquencies, debt to credit ratio is low, absolutely nothing
bad etc. in my CR. Been debating on calling Chase to see if there is a problem. Not sure if I should
wait or give them a call.
10-27-2012 09:17 AM
10-28-2012 01:59 AM
I would call the backdoor number as well to check the status. Good luck!
10-28-2012 05:41 AM
Well I gave them a call & it it was really not a big deal. I already have a Chase Visa with a generous CL.
They did not have a problem issuing me the Amazon card but wanted me to take some of my CL from my
Chase Visa & apply it to the Amazon Visa. I went ahead & applied about a fourth to the Amazon card.
After looking at my % rate I see the Amazon card is 1% lower than my Chase Visa. Would it have been
better to close the Chase Visa & apply the whole CL to the Amazon? This card makes my 3rd card. But
is really the only Rewards card I have.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.