topic Re: Amazon.com store card approval! in Credit Card Approvals

Amazon.com store card approval!

Anonymous — Tue, 31 Mar 2015 20:47:07 GMT

So I last applied for Amazon store card back in October 2014, when I just started rebuilding my credit. Today, 5 months later, I was finally approved!!

My approval amount was only $600 but I am happy that I can see the impact my good credit behavior has on my credit now. I am finally getting approved for decent cards with decent limits. Hopefully one day I will have 1 card @ $5k limit, not there yet but close @ $2k.

For those who are discouraged, time heals all...Start off small and work your way up, it's worked for me and many others.

Here's a quick rundown of my history..

My current myFico scores are as follows: TU/613 EQ/613 EXP/633'

Utilization is @ 4%

1x CapitalOne Platinum @ $2k limit

1x CapitalOne Platinum @ $1.5k limit

1x CapitalOne QS @ $1.5k limit

1x CreditOne @ $700 limit

1x Barclays Rewards @ $1k limit

1x Chase Slate @ $500 limit

1x Auto Lease from Lexus $13k

3x baddies dropping on 1/2016

Most recent late payment = 4.5 years ago

AAOA = 3 years

Do ya'll suggest I stop applying? I know I said yesterday I would, but I read all this talk from the forums about love from Synchrony...do you think I can call them to bump up the credit line? or is it too soon?

I have 3 baddies over 4 years old, all which will drop off in Jan/2016. Kind of off topic, but once those 3 collection accounts drop, should I see a nice jump in my score? Also by then, all the accounts above will have matured to +1 year or so..

Re: Amazon.com store card approval!

Anonymous — Tue, 31 Mar 2015 20:55:24 GMT

Nice.. Congrats..

Re: Amazon.com store card approval!

uswala — Tue, 31 Mar 2015 20:57:29 GMT

Congrats on the approval!

Re: Amazon.com store card approval!

AzaleaB — Tue, 31 Mar 2015 20:59:08 GMT

Congrats on your Amazon store card approval and your progress. I would garden a bit if I were you. It won't hurt to call and ask for a CLI since it's an SP. Don't be discouraged if they say no, just hang out and build your scores.

Re: Amazon.com store card approval!

gdale6 — Tue, 31 Mar 2015 21:19:39 GMT

If those are the only derogs you have on your CR when the last one drops is when you will see the biggest Fico bump, grats on the Amazon card and give Credit Solutions a call if you want a higher limit

Re: Amazon.com store card approval!

chalupaman — Tue, 31 Mar 2015 22:17:20 GMT

Congrats.

Re: Amazon.com store card approval!

yoyo — Tue, 31 Mar 2015 22:28:41 GMT

Will they take you with a bk?

Re: Amazon.com store card approval!

CreditCuriosity — Tue, 31 Mar 2015 23:04:22 GMT

Congrats OP!

No offense OP, I am surprised your scores are as lowest as they are with only what you mentioned as negatives on your report... My report is uglier than yours and I am at around 670's-700 on all CRA's... Tons of 120 lates on student loans and a few CA's and CO's all over 4 years old.. Strange how you are impacted more so than myself.. Is your AAoA really low and tons of inquires?

Regardess you are doing the right thing and it takes a long time for scores to go up, but only one mess up for them to plumit!

Re: Amazon.com store card approval!

Anonymous — Tue, 31 Mar 2015 23:53:57 GMT

@CreditCuriousity wrote:
Congrats OP!

No offense OP, I am surprised your scores are as lowest as they are with only what you mentioned as negatives on your report... My report is uglier than yours and I am at around 670's-700 on all CRA's... Tons of 120 lates on student loans and a few CA's and CO's all over 4 years old.. Strange how you are impacted more so than myself.. Is your AAoA really low and tons of inquires?

Regardess you are doing the right thing and it takes a long time for scores to go up, but only one mess up for them to plumit!

Hey no offense taken. I have a few 90 days and 120 days, that are not in 'collections' but show as 120 or 90 day late. I do have history on accounts that are 8+ years old from being an AU. But seriously, that is all I have in my report. 3 collections and some late payments that are 4+ years old...I don't know why my scores are much lower than yours

Re: Amazon.com store card approval!

Anonymous — Tue, 31 Mar 2015 23:56:50 GMT

Congrats on the Amazon approval. I love my Amazon store card and even more so now since it was upgraded to the Prime Version for 5% cash back.

Re: Amazon.com store card approval!

Anonymous — Wed, 01 Apr 2015 00:37:15 GMT

I just called to get my limit increased and was denied

Re: Amazon.com store card approval!

Anonymous — Sun, 05 Apr 2015 13:58:16 GMT

Congratulations!

Re: Amazon.com store card approval!

AzaleaB — Sun, 05 Apr 2015 16:09:29 GMT

@Anonymous wrote:
I just called to get my limit increased and was denied

As you said, "time heals all"..

Re: Amazon.com store card approval!

yoyo — Sun, 05 Apr 2015 17:29:51 GMT

will they take you if you have had a bankruptcy?

Re: Amazon.com store card approval!

padme — Mon, 13 Apr 2015 01:07:43 GMT

@yoyo wrote:
will they take you if you have had a bankruptcy?

i Was denied w/BK7 from 2 years ago recently.. got the letter in mail last week, thats all it said "you filed BK", hope this helps

Re: Amazon.com store card approval!

Anonymous — Mon, 13 Apr 2015 03:27:51 GMT

@Anonymous wrote:
Congrats on the Amazon approval. I love my Amazon store card and even more so now since it was upgraded to the Prime Version for 5% cash back.

Yes, since I have gotten this card for Amazon, I use it only for the cash back and then pay it off ASAP. It is the best cash back card right now in my opinion.