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Frequent Contributor
shalane85
Posts: 286
Registered: ‎06-19-2008

Applied for Amazon visa and....

I applied for amazon visa with chase and I wasnt instantly approved but this message popped up.

 

Unfortunately, we are unable to provide you with an immediate decision about your application, as it requires further review. This process can take from a few days to two weeks, occasionally longer during peak periods. However, we will notify you in writing about the status of your application within 30 days. If you have any questions about your application, please call Chase at 1-888-247-4080.

Is this a nice way of saying YOU'RE DENIED? I know I shouldnt apply for anymore credit but I just wanted to see if Chase would give me a chance.

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Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

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Moderator Emeritus
WhirledPeasPlease
Posts: 3,417
Registered: ‎12-27-2007

Re: Applied for Amazon visa and....

Here's my Chase Amazon Visa story.

 

Don't give up -- Chase is awesome w/ recon.

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Valued Contributor
Schoolbuskid
Posts: 1,926
Registered: ‎10-23-2007

Re: Applied for Amazon visa and....

Yea  i am pretty sure that means denied! You better start writing a recon letter now! Good Luck!
Frequent Contributor
shalane85
Posts: 286
Registered: ‎06-19-2008

Re: Applied for Amazon visa and....

You know I called the backdoor number and she told me that I would have been approved had it not been for a late payment on my auto loan last December. I explained to her that GMAC said that they would remove it off of my credit report but as of yet they havent done so nor have I recieved anything in the mail. I guess I will call GMAC in the morning. She said that if it wasnt for that she would approve me. Go figure.
-------------------------------------------------------------------------------------------------

Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

Navy Federal nRewards $500 cl
Capitol One Platinum (AU) $7500 cl
USAA Amex $250
Kay Jewelers $900
Valued Contributor
Schoolbuskid
Posts: 1,926
Registered: ‎10-23-2007

Re: Applied for Amazon visa and....

[ Edited ]

Wow that sucks! I assume your scores are mid 600's? Whats your util like? Man i wish they would have just went ahead and approved you.

 

GMAC shouldnt have no problems forgiving anything, with all that money they have been borrowing!

Message Edited by Schoolbuskid on 03-11-2009 06:01 PM
Frequent Contributor
shalane85
Posts: 286
Registered: ‎06-19-2008

Re: Applied for Amazon visa and....

My scores are actually  595. My overally util is 34%. The main thing that knocked my score down was a collection that popped out of nowhere, I paid it but they wont remove it, and I just bought a house last September so maybe I have to much credit/debt. Its okay I will try again as soon as GMAC takes the late off of my report. Wishe me luck.
-------------------------------------------------------------------------------------------------

Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

Navy Federal nRewards $500 cl
Capitol One Platinum (AU) $7500 cl
USAA Amex $250
Kay Jewelers $900
Frequent Contributor
shalane85
Posts: 286
Registered: ‎06-19-2008

Re: Applied for Amazon visa and....

WPP has inspired me to not give up. So I'll lay low for a while.
-------------------------------------------------------------------------------------------------

Starting Score: 472
Current Score: 628
Goal Score: 680


Take the FICO Fitness Challenge





Starting Score: EQ FICO 470 TU FICO 482 7/15/2011
Current Score: EX ?? /EQ FICO 628 / TU ??
Goal Score: 680 across the board!

Navy Federal nRewards $500 cl
Capitol One Platinum (AU) $7500 cl
USAA Amex $250
Kay Jewelers $900
Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Applied for Amazon visa and....

WAIT. you have a 595 and chase said they only declined you because of 1 late???

Is this like the easiest Chase card to get???

 

Please fill me in, who has the lowest score that has been approved for this??? 

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
Senior Contributor
score_building
Posts: 3,463
Registered: ‎01-10-2008

Re: Applied for Amazon visa and....

i thought it was kinda tough to get.  denied with a 674 a couple of years ago (i went with the amazon store card instead)
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (WALMART)
Mega Contributor
Creditaddict
Posts: 16,867
Registered: ‎10-23-2007

Re: Applied for Amazon visa and....


score_building wrote:
i thought it was kinda tough to get.  denied with a 674 a couple of years ago (i went with the amazon store card instead)
how easy is that to get? can't even find it on the site tonight

 

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

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