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Regular Contributor
Posts: 203
Registered: ‎09-17-2007
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I want to Apply for the Amazon Card But

Ok I have 3 charge off's with GE Money Bank Walmart, JCP, and LOWES. These account are almost 7 years old and only JCP is reporting on my TU. My concern is that I may be blacklisted and dont want to waste a TU inquiry. Current FICO is 658. Any advice?


Starting Score: 433
Current Score: 700
Goal Score: 750


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New Member
Posts: 3
Registered: ‎01-26-2013
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Re: I want to Apply for the Amazon Card But

[ Edited ]

Your 658 current score is higher than my 617 TU was and I applied this past week for Cap One Cash Rewards, Walmart Store Card, and Amazon Store Card.  I was approved for all of them instantly online.  Cap One checked all and Walmart/Amazon checked TU only.  I had a Walmart CO and collections deleted from my report earlier in January so that's why I went on this small app spree.  It worked and now I can garden for a while and let my scores build and hopefully see CL increases.

 

I would probably wait until your JCP falls off just to be sure.  It may also depend on what other things are on your reports.

Regular Contributor
Posts: 203
Registered: ‎09-17-2007
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Re: I want to Apply for the Amazon Card But

Thanks for you comment Valdo12 I still have several charge off's and collections with a few positives listed below.

 

 

1. Orchard/Cap Once secured card $200/$71 Balance opened 2008 ontime and never late

2 Cap One Secured Card $725/$0 Balance Opened 2010

3 Cap One Secured Card $525/$52 Balacne Opened 2011

4 Barclays Apple Visa $1700/$540 Balance Opened 2013

5. Santander Auto Loan Opened 2012.


Starting Score: 433
Current Score: 700
Goal Score: 750


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Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
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Re: I want to Apply for the Amazon Card But

[ Edited ]

If GE Blacklisted they would be out of a large percentage of consumers.  They deal in primarily store cards that are in general medium to low credit profiles.  Other than 0% deals folks with solid credit will be using a regular credit card with lower interest or rewards.  If they blacklisted everyone who burned them in the past they would be out a lot of customers.  So no, they don't blacklist but this is why their interest rate is sky high, high risk. Do you have any current credit lines?  After 7 years you should be fine but any current positive trade lines would certainly help.

Regular Contributor
Posts: 203
Registered: ‎09-17-2007
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Re: I want to Apply for the Amazon Card But

Thanks for the Advice...I went ahead and applied tonight.

 

 

Walmart Approved $600

Amazon Approved $400

 

Thanks


Starting Score: 433
Current Score: 700
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Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
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Re: I want to Apply for the Amazon Card But

Congrats! 

 

and you can request a cli every four months on a soft pull!(ge accounts) 

as well as getting your free tu fico from walmart (by enrolling in paperless statements)

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
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Re: I want to Apply for the Amazon Card But

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