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Regular Contributor
percy81
Posts: 177
Registered: ‎02-05-2012

Amazon card or stay in the garden

Hello  everyone, I'm trying to stay away from having anymore Inquiries, I've gotten 3 this year with their one year anniversaries being on feb, march, April of 2013. I'm currently shopping for textbooks for school on amazon and their offering a nice credit card with nice rewards and an automatic credit of $30.00 my textbooks are costing me $$$ so, I was wondering if the inquiry would be worth it. Thank you 

 

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Contributor
tray
Posts: 1,320
Registered: ‎01-29-2008

Re: Amazon card or stay in the garden

I do not know how much further you have to go with your education to earn your degree but if I was in your situation and school books are at a decent price at amazon and you will have to continue to buy school books in the future I would try to get their card as your credit scores are decent enough to where you should get approved and can save some money as well,  I would not worry about the inquiry too much it only counts for 1 year of any hit on your credit report.  Good Luck if you decide to do this.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Mega Contributor
Creditaddict
Posts: 16,896
Registered: ‎10-23-2007

Re: Amazon card or stay in the garden

Store Card  by GE Bank or Visa by Chase?

 

I know of the $30 for the Visa...

 

The good thing for the store card is 6+ months that they offer 0% sometimes.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Regular Contributor
percy81
Posts: 177
Registered: ‎02-05-2012

Re: Amazon card or stay in the garden

The visa

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Contributor
tray
Posts: 1,320
Registered: ‎01-29-2008

Re: Amazon card or stay in the garden

[ Edited ]

Just to let you know  I applied for the holidays and was approved last Friday for the Amazon visa card from chase with a $5,000.00 cl ex report was pulled with 5 inquiries with already having 2 chase accounts, you should have a good chance since you already have a chase account and have a relationship with them already.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Frequent Contributor
brother7
Posts: 374
Registered: ‎02-06-2009

Re: Amazon card or stay in the garden


:heart: my Chase Amazon Signature VISA! I shop a LOT at Amazon and I eat out a lot (2x points at restaurants), so this is my main card now. I say Go For It!

 


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
04/19/2014 Current - EQ 779 (Priceline TU FICO 08 Classic)
GOAL - 800! - App free since 03/13/2014
Frequent Contributor
sakhalin070
Posts: 290
Registered: ‎08-28-2012

Re: Amazon card or stay in the garden

3 inquiries isn't too bad.  I say go for it.  I've heard great things about the card, and I wanted it for the longest time, but right now my Citi Forward gives me 5x points on Amazon, and Discover gives me 5% throughout December.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012
Frequent Contributor
brother7
Posts: 374
Registered: ‎02-06-2009

Re: Amazon card or stay in the garden


sakhalin070 wrote:

my Citi Forward gives me 5x points on Amazon


I didn't know that. Have you tested it out? Like, if you buy a $2000 digital SLR from Amazon, will you get 10,000 Thank You points?


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
04/19/2014 Current - EQ 779 (Priceline TU FICO 08 Classic)
GOAL - 800! - App free since 03/13/2014

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