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Amazon card or stay in the garden

Frequent Contributor

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 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 1 of 8
7 REPLIES
Valued Contributor

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
Message 2 of 8
Epic Contributor

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.

Message 3 of 8
Frequent Contributor

Re: Amazon card or stay in the garden

The visa

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 4 of 8
Valued Contributor

Re: Amazon card or stay in the garden

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
Message 5 of 8
Frequent Contributor

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!

 



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 6 of 8
Frequent Contributor

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, Barclaycard Cash Forward
Message 7 of 8
Frequent Contributor

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?



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 8 of 8