Credit Cards

[jon17brown]

Early next month I'll hit the 6 month mark and will generate my first score. I'd like to make a purchase through amazon and I was wondering if I'd be approved for their cc. It's GE backed correct?

I have a secured cap1 (300) and a non secured cap1 (500) and 1% utilization. And 6+ inquiries depending on what they pull.

Thanks!

[tcbofade]

They generally pull TU.

Good luck!

[Repo-ed]

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jon17brown wrote:
Early next month I'll hit the 6 month mark and will generate my first score. I'd like to make a purchase through amazon and I was wondering if I'd be approved for their cc. It's GE backed correct?

I have a secured cap1 (300) and a non secured cap1 (500) and 1% utilization. And 6+ inquiries depending on what they pull.

Thanks!

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www.whogavemecredit.com

[mmmmmm]

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jon17brown wrote:
Early next month I'll hit the 6 month mark and will generate my first score. I'd like to make a purchase through amazon and I was wondering if I'd be approved for their cc. It's GE backed correct?

I have a secured cap1 (300) and a non secured cap1 (500) and 1% utilization. And 6+ inquiries depending on what they pull.

Thanks!

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The Amazon.com Store Card is backed by GE Money.

The Amazon.com Rewards Visa Card is backed by Chase.

One is a store card and one is a credit card.

[jon17brown]

If i app for the CC will they counter with a store card offer if i dont qualify? Otherwise I'll app for the store card since TU has the least amount of inq.

[LS2982]

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jon17brown wrote:
If i app for the CC will they counter with a store card offer if i dont qualify? Otherwise I'll app for the store card since TU has the least amount of inq.

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There is no counteroffer. The VISA is backed by Chase, the store card is backed by GE. I would go for the store card, Chase would deny you for limited credit history.

[Crashem]

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LS2982 wrote:

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jon17brown wrote:
If i app for the CC will they counter with a store card offer if i dont qualify? Otherwise I'll app for the store card since TU has the least amount of inq.

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There is no counteroffer. The VISA is backed by Chase, the store card is backed by GE. I would go for the store card, Chase would deny you for limited credit history.

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+1 GE card has better CLI policy for your stage of credit.  IE. soft based CLI every 4 or 6 months.

[jon17brown]

Ok so store card it is. Do I have a good chance of getting approved?

[Reelax]

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jon17brown wrote:
Ok so store card it is. Do I have a good chance of getting approved?

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Do you have any baddies on your credit report besides the numerous inquiries?

[jon17brown]

Nope. All clean. Took 7 yrs but all clean.