topic Re: Got Amazon Pre-Approval Email in Credit Card Approvals

Got Amazon Pre-Approval Email

Jolo0801 — Fri, 28 Aug 2015 16:17:20 GMT

Is there any advantages of me getting this card? (probably not)

I'm just curious cause I'm starting to see pre-approvals come in, but non-from what/who I want.

I shop Amazon sometimes but I really don't see an advantage for getting the card, especially since it's just a store/online card.

Thoughts....

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 16:51:49 GMT

If you prime it's 5% off every purchase

Over a certain amount is 0% financing that is forever not just an intro agreement with big boy credit cards

There are threads all over the place where people get massive credit limit limit increase in the short amount of time

The bank the Amazon card uses also takes care of large amount of other store cards so if you acquire amazon then the history with it usually helps get approval and decent limits with others… lowes for example.

I also want to add that I have been denied 3 times for that stupid card it is becoming a white whale for me I have the chase version and pretty unhappy about that

Another thing Amazon does as a company is price match the heck out of most things you find online anywhere else so there is less need to apply for credit other stores if Amazon is going to price match with em

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 17:38:56 GMT

If you're a Prime member it's definitely worth getting IMO. Like the other poster stated, you get 5% back (statement credit) on purchases or they have special 0% financing offers all the time for 6, 12, and 24 months. I love my Amazon card! It's the only store card that I see myself keeping long term.

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 17:50:32 GMT

In my case i not have prime , i just use the financing option , is a good card and grow fast.

Re: Got Amazon Pre-Approval Email

Jolo0801 — Fri, 28 Aug 2015 17:56:17 GMT

Great.. I got a $900 limit.... I hope this helps me shoe into Lowe's.. I really need a business account with them...

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 18:02:06 GMT

@Jolo0801 wrote:
Great.. I got a $900 limit.... I hope this helps me shoe into Lowe's.. I really need a business account with them...

Congrats! My limit started at $900 last fall, and I'm at 5k now, so it does grow fast.

Re: Got Amazon Pre-Approval Email

Jolo0801 — Fri, 28 Aug 2015 18:05:16 GMT

Was it Auto CLI or did you request it?

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 18:11:03 GMT

@Jolo0801 wrote:
Was it Auto CLI or did you request it?

I tried requesting one when I was first approved and it was denied for not enough experience with current limit (lol). Then about 3 months later they gave me a $300 auto increase that took me to $1200. So I waited 4 months from the auto, asked again, and they increased it to $2800 (all of my requests to this point were done online). Then a month after that, I went on chat and asked for 5k and got it.

Re: Got Amazon Pre-Approval Email

Jolo0801 — Fri, 28 Aug 2015 18:12:22 GMT

OK... Ill ask for an increase to the $900 and she Whay happens... Were they HP or SP?

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 18:14:05 GMT

It has always been a SP for me.

Re: Got Amazon Pre-Approval Email

CreditCuriosity — Fri, 28 Aug 2015 18:14:06 GMT

SP's for almost all things Sync bank excluding CareCredit and possibly another few, but amazon is SP.

Re: Got Amazon Pre-Approval Email

Creditaddict — Fri, 28 Aug 2015 20:20:24 GMT

do chat online during business hours once you have online access and ask for $10k and they will counter or call credit solutions now and say you were expecting more, they will counter too (SP)

Re: Got Amazon Pre-Approval Email

Anonymous — Fri, 28 Aug 2015 20:46:00 GMT

@Jolo0801 wrote:
Great.. I got a $900 limit.... I hope this helps me shoe into Lowe's.. I really need a business account with them...

Congrats on your approval!!! Keep up the good work!!!

Re: Got Amazon Pre-Approval Email

ddemari — Sat, 29 Aug 2015 05:16:04 GMT

Congratulations on getting the card. you will see some luv on the limit either immediately with chat or credit solutions or luv in 4 months.

Re: Got Amazon Pre-Approval Email

B335is — Sat, 29 Aug 2015 05:58:11 GMT

Congrats. Yeah if open the chat window and request an increase. The Lowes business acct isn't too difficult by the way. I got $1500 SL with no PG.

Re: Got Amazon Pre-Approval Email

Jolo0801 — Sat, 29 Aug 2015 06:02:18 GMT

When you app Lowe's was it online or in store?

Re: Got Amazon Pre-Approval Email

Creditaddict — Sat, 29 Aug 2015 06:14:57 GMT

Online and then called verification

Re: Got Amazon Pre-Approval Email

DantGwyrdd — Sat, 29 Aug 2015 06:46:26 GMT

If you use it and pay it off it will grow nicely on its own, I remember mine going from about $800 to $1900 fairly quickly... and then it went back to $1000 when I stopped using it for over a year . At which point I closed mine because really, since I didn't use Prime, it was only useful to me when I was a grad student with few credit options (it was my biggest tradeline for a while) and the card's financing came in really handy (which is no doubt about it a great thing, if you want to buy some pricier electronics, for example, the deffered interest deals over 6-12 months will come in handy).

Re: Got Amazon Pre-Approval Email

Anonymous — Sat, 29 Aug 2015 07:25:52 GMT

Maybe when Discover and Freedom bonuses dont include Amazon!

Re: Got Amazon Pre-Approval Email

Anonymous — Sat, 29 Aug 2015 07:59:38 GMT

I use mine all of the time. I thought it was a bad idea at first too. If you don't normally shop there, don't get it. With prime, my items seem to get here in 2 days always.