Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 266
Registered: ‎02-05-2012
0

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 25,000/ Citi Simplicity 10,600 / Discover IT 11,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 6,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Valued Contributor
Posts: 1,544
Registered: ‎01-29-2008
0

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
Epic Contributor
Posts: 28,806
Registered: ‎10-23-2007
0

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.

Frequent Contributor
Posts: 266
Registered: ‎02-05-2012
0

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 25,000/ Citi Simplicity 10,600 / Discover IT 11,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 6,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Valued Contributor
Posts: 1,544
Registered: ‎01-29-2008
0

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
Posts: 442
Registered: ‎02-06-2009
0

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!

 



08/28/2016 - EX 815 (Credit Scorecard EX FICO® Score 8, range 300-850)
08/19/2016 - TU 820 (Discover TU FICO® Score 8, range 300-850)
08/23/2016 - EQ 823 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015
Frequent Contributor
Posts: 298
Registered: ‎08-28-2012
0

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: EX 802 Last App: November 2012
Frequent Contributor
Posts: 442
Registered: ‎02-06-2009
0

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?



08/28/2016 - EX 815 (Credit Scorecard EX FICO® Score 8, range 300-850)
08/19/2016 - TU 820 (Discover TU FICO® Score 8, range 300-850)
08/23/2016 - EQ 823 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.