Reply
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
0

amazon possible with a 637 score?

[ Edited ]

my friend wants an amazon store card sooooo bad and lives vicariously through me and myfico life :smileywink:  I don't think an amazon card is possible with a TU fico of 637...but I promised to ask. Should she try or wait until shes in the 650s??

 

*edit for TU fico score instead of EQ*

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: amazon possible with a 637 score?

Are you thinking the GECRB Amazon? Or the Chase Visa? I'd say the GECRB store Amazon is a yes- prob get a $300-$1,000" limit with that score. Chase Amazon Visa is a no go.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
0

Re: amazon possible with a 637 score?

yes just the basic Amazon store card. I don't want her to waste an inq if its a no go!

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012
0

Re: amazon possible with a 637 score?

If her score is low because she has a thin file I'd say she could get the store card. I got the store card in May of 11 and at that point the only other history I had was student loans from 09 and 10 and one cap one card that had a 500CL. (not sure what my score was but they started me at 800CL I think it was and it is not at 2200.) Now if she has baddies I don't know what her odds are.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: amazon possible with a 637 score?

I think she can get approved for the store card assuming that's a 637 actual FICO. Gecrb mostly pulls TU. Also, her income will matter.. She needs at least $24k imo to get a decent limit.
I got a $1,200 initial approval for the Amazon Store in Jan '12 with a score of 670 something.
I'd say there's a 90% chance she can get approved!!
Fyi, after two months of pif, I got an auto bump to $1,900.. Then more recently I got a CLI to $3,000.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012
0

Re: amazon possible with a 637 score?

I was approved with an income of 12.5k and an 800CL so YMMV.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
0

Re: amazon possible with a 637 score?


roxy382 wrote:
I was approved with an income of 12.5k and an 800CL so YMMV.

So, you're telling me you have all those credit cards in your sig, with all those limits with an income of 12K?!?!?!?

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012
0

Re: amazon possible with a 637 score?

perfect. thanks guys! I will pass on the info...and yes the fico is from TU myfico so I hope this works for her! THANKS!!! :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Member
Snoopy7
Posts: 47
Registered: ‎03-08-2012
0

Re: amazon possible with a 637 score?

[ Edited ]

Check this out...  I app spreed today starting at 12 midnight.  I applied for AMEX Starwood Preferred Guest, Walmart, Belk and Amazon Chase.  I was approved for all of them.  Amazon Chase denied me, but did a recon on the phone with me.  I refinanced my auto this week to and my auto enhanced was 674.  EQ FICO was reading 639 on the same day.  Have your friend call and apply with someone on the line.  If she has derog's on her account, she may have a chance depending on how much and the type of debt.  My credit union is also considering me for another account as they pulled credit recently.  I regret getting Walmart, except I can save on gas.

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: amazon possible with a 637 score?

Awesome Snoopy!!!

Let us know when she gets approved!
;-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}