topic Re: Denied for Amazon prime Visa BUT.. in Credit Card Applications

Denied for Amazon prime Visa BUT..

Diamondsforme08 — Mon, 26 Nov 2018 20:59:14 GMT

I applied and was denied for the Amazon prime Visa. If I went back in and applied for just the Amazon prime card will it be a double hard pull? Is there a better chance of approval without the Visa logo?

Re: Denied for Amazon prime Visa BUT..

charp150 — Mon, 26 Nov 2018 21:22:32 GMT

The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think). Recon the Chase denial. I was denied for inquiries and new accounts and it was overturned on recon very quickly. Why were you denied? If it’s a 5/24 violation recon would not likely yield a good outcome.

Re: Denied for Amazon prime Visa BUT..

Anonymous — Mon, 26 Nov 2018 22:27:14 GMT

Why were you denied? What are your scores?

Re: Denied for Amazon prime Visa BUT..

FinStar — Mon, 26 Nov 2018 22:39:11 GMT

OP, if you apply for the Synchrony Amazon (non-Visa) version it will be another HP.

Reconsideration outcomes will vary and largely depend on why you were not approved to begin with.

Re: Denied for Amazon prime Visa BUT..

Andypanda — Tue, 27 Nov 2018 03:08:21 GMT

@charp150 wrote:
The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think). Recon the Chase denial. I was denied for inquiries and new accounts and it was overturned on recon very quickly. Why were you denied? If it’s a 5/24 violation recon would not likely yield a good outcome.

I have heard conflicting reports if cobranded cards are subject t tge 5/24 rule.

Re: Denied for Amazon prime Visa BUT..

Anonymous — Tue, 27 Nov 2018 03:31:40 GMT

OP, it will be two different hard pulls as the cards are issued by different banks. The Amazon Prime Visa is issued by Chase and the Amazon Prime Store Card is issuded by Syncrony bank.

Re: Denied for Amazon prime Visa BUT..

FinStar — Tue, 27 Nov 2018 15:04:36 GMT

@Andypanda wrote:
@charp150 wrote:
The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think). Recon the Chase denial. I was denied for inquiries and new accounts and it was overturned on recon very quickly. Why were you denied? If it’s a 5/24 violation recon would not likely yield a good outcome.
I have heard conflicting reports if cobranded cards are subject t tge 5/24 rule.

There's been recent reports and DPs (Reddit, DoC etc.) that point to this restriction recently extended to their co-branded CCs that were not previously part of 5/24.