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I am SO ticked off right now!!!

Established Contributor

I am SO ticked off right now!!!

My Amazon account got a CLD!!!  Three years of perfect payments, no overlimits; and they do this???  They won't even tell me why I had a CLD!!  The first rep I spoke to didn't make any sense, the second rep I spoke to told me that I had the wrong department (it was the backdoor #), and the third rep I spoke to (supposedly a supervisor) told me that every 6 - 12 months, accounts get reviewed and the banks make the decision to CLD....blah, blah, blah. I told the rep to cancel my account....

 

No more shopping at Amazon for me...

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Message 1 of 28
27 REPLIES
Established Contributor

Re: I am SO ticked off right now!!!

Was this the Amazon Store card or the Chase Amazon Rewards card?


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 2 of 28
Established Contributor

Re: I am SO ticked off right now!!!


NJTurnpike wrote:

Was this the Amazon Store card or the Chase Amazon Rewards card?


It was the Amazon Store Card...

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Message 3 of 28
New Contributor

Re: I am SO ticked off right now!!!

CLD's suck..Macy's did this to me a few years ago after I added my mom to my account (she had a bk and I was helping her rebuild). They said the did the CLD after reviewing the cr. I closed the account too.

Message 4 of 28
Established Contributor

Re: I am SO ticked off right now!!!

That sucks. I love my Amazon store card. Those 0% 6,12, 24 financing offers are so helpful in making big purchases. Retail stores will almost never see a purchase from me if i can mix the purchase into a larger order for stuff I need on Amazon.

 

you sure something didn't change on your CR recently that might have warranted the CLD?


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 5 of 28
Established Member

Re: I am SO ticked off right now!!!

Lazylane, I thought the credit report of an authorized user couldn't affect your own account standing/credit?

 

That's scary stuff.

Message 6 of 28
Established Contributor

Re: I am SO ticked off right now!!!


NJTurnpike wrote:

That sucks. I love my Amazon store card. Those 0% 6,12, 24 financing offers are so helpful in making big purchases. Retail stores will almost never see a purchase from me if i can mix the purchase into a larger order for stuff I need on Amazon.

 

you sure something didn't change on your CR recently that might have warranted the CLD?


Nothing changed...at least not to my knowledge.  But lately, Amazon has been screwing up my orders...

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego
Message 7 of 28
Moderator Emerita

Re: I am SO ticked off right now!!!

Sorry to hear about your CLD. Have there been any changes on your cr? Increase in util? Baddies?
Message 8 of 28
Valued Contributor

Re: I am SO ticked off right now!!!

You do realize Amazon has pretty much nothing to do with the card right?  They don't make the decision on CL, CLI's, or CLD's.  I would have called the undewriters before closing the card.  Have you checked your reports for any derogs that may have popped up?

Message 9 of 28
Super Contributor

Re: I am SO ticked off right now!!!

Like boomhower said.... Amazon.com has NOTHING to do with your card. The store card is managed and backed by GE. The visa version is by Chase. It's up to the banks on what they decide to do with your card, not amazon.

Have u went on an application spree recently, especially with other GE backed cards?
Are you owing high balances on other cards?
Are there any changes in your credit report, such as collections, late payments, etc?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 10 of 28