topic Re: Chase Amazon Prime approval chances? in Credit Card Applications

Chase Amazon Prime approval chances?

coreysw12 — Mon, 20 May 2019 22:00:34 GMT

Wanted to see what people think my chances could be of getting approved for the Prime card, before I try to apply. Here's my current standing:

Currently at 3/24.

Scores as shown in my signature.

Last week I was spproved for CSP @ $8,400 and CFU @ $5,600. Also a Cap1 card @ $2,000.

Here's where it gets iffy. I have 8 CO credit card accounts on my report. No collections or bankruptcies or judgments - those 8 CO accounts are my only baddies, but they're not very old either, at about 2 years. 1 of those CO credit cards was a Chase card.

You would think the 2-year-old Chase CO would be a dealbreaker, but keep in mind my CSP and CSU approvals I got just last week (against all odds).

Are my chances decent? I don't want to apply and then get denied, so if I should wait a while before applying, I will. But the problem is that there are other cards I want to get as well, so I was hoping to get the Amazon card before I hit that 5/24 mark that would likely make it impossible to get the Amazon card in the near future.

Re: Chase Amazon Prime approval chances?

Anonymous — Mon, 20 May 2019 22:07:15 GMT

You're fine. I would wait on the Amazon until your other Chase products hit at least 1 month though. The CO's don't seem to be affecting you much with the recent approvals.

Re: Chase Amazon Prime approval chances?

FinStar — Mon, 20 May 2019 22:18:46 GMT

Personally, I would wait on the Chase Amazon at minimum 3 months from your most recent CSP and CFU approvals, the longer the better. You can still keep the slots open since the Amazon CC isn't going anywhere. That being said, I wouldn't poke the bear in the off chance your recent activities are picked up by Chase's PRR. Why risk your recent successes?

Re: Chase Amazon Prime approval chances?

Anonymous — Mon, 20 May 2019 22:19:33 GMT

You have a decent chance of getting all of your accounts shut down if you apply too soon. I would wait 6 months, especially since you’ve got a Chase charge off. You don’t want the review team to shut you down. Might be better off going for the Amazon Store Card instead of poking Chase honestly.

Re: Chase Amazon Prime approval chances?

coreysw12 — Mon, 20 May 2019 22:21:04 GMT

@Anonymous wrote:
You're fine. I would wait on the Amazon until your other Chase products hit at least 1 month though. The CO's don't seem to be affecting you much with the recent approvals.

Thanks!

I think I need to wait that long anyways, to buy some time to get my util %'s down to maximize my scores.

Re: Chase Amazon Prime approval chances?

coreysw12 — Mon, 20 May 2019 22:22:12 GMT

@Anonymous wrote:
You have a decent chance of getting all of your accounts shut down if you apply too soon. I would wait 6 months, especially since you’ve got a Chase charge off. You don’t want the review team to shut you down. Might be better off going for the Amazon Store Card instead of poking Chase honestly.

That's what I was worried about, too. Sounds like I should let the other cards get some age for a while. Back to the garden I go!

Re: Chase Amazon Prime approval chances?

coreysw12 — Mon, 20 May 2019 22:26:25 GMT

Funny thing about the store card, I probably have better chances of getting the Visa because Synchrony is in fact one of my other CO's Chase appears to have forgiven me, but I'm not sure Synchrony has.

I'll get 3% back on amazon purchases with my CFU card for the next 12 months anyways, so there's no huge hurry on the Amazon 5% card. Thanks for the advice, guys! Glad I asked!

Re: Chase Amazon Prime approval chances?

Anonymous — Mon, 20 May 2019 22:28:34 GMT

@coreysw12 wrote:
Funny thing about the store card, I probably have better chances of getting the Visa because Synchrony is in fact one of my other CO's Chase appears to have forgiven me, but I'm not sure Synchrony has.

I'll get 3% back on amazon purchases with my CSU card for the next 12 months, so there's not hurry. Thanks for the advice, guys!

I figured that you were only thinking about risking it because you couldn’t get the Sync card. That said, it’s probably still worth trying - worst case scenario they’ll make you get the secured card but at least it won’t put your Chase accounts at risk.

3% is still pretty good though. If it was me, I would try for the Amazon card because I don’t mind throwing away HPs and I have had some surprising approvals along the way but depending on how much your Amazon spend is, that extra 2% may not be worth it.

Re: Chase Amazon Prime approval chances?

Anonymous — Mon, 20 May 2019 22:40:13 GMT

The only reason I went with a month is to avoid the auto denial... See #11

https://www.doctorofcredit.com/18-things-everybody-should-know-about-chase/

This might be helpfui down the road as well https://www.doctorofcredit.com/brief-time-related-rules-imposed-american-express-chase-citi/

And this as well helps keep track https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/

Re: Chase Amazon Prime approval chances?

Anonymous — Mon, 20 May 2019 23:01:01 GMT

Based on the info I've gleaned from this board re: Chase, you probably shouldn't apply for ANY other cards for a while. There are threads where people have gotten their recently-approved Chase cards cancelled because they continued to seek new credit (with other lenders, even) too soon after getting their Chase card(s). Chase seems to be a jealous mistress. Don't piss her off!

And remember this adage: Credit is a marathon, not a sprint.

Re: Chase Amazon Prime approval chances?

sjt — Mon, 20 May 2019 23:00:35 GMT

I would hold off until you Chase cards have some age.

Honestly, Im surprised that you got approved for those two Chase Cards with 8 c/o, with one being Chase. Are they paid/settled or unpaid?

Re: Chase Amazon Prime approval chances?

coreysw12 — Mon, 20 May 2019 23:16:34 GMT

@sjt wrote:
I would hold off until you Chase cards have some age.

Honestly, Im surprised that you got approved for those two Chase Cards with 8 c/o, with one being Chase. Are they paid/settled or unpaid?

All 8 were settled in January of this year. And yes, I'm honestly surprised I was approved for them, too! They randomly popped up as being pre-approved when I logged into my chase checking accounts the other day

Re: Chase Amazon Prime approval chances?

Meanmchine — Mon, 20 May 2019 23:34:41 GMT

@sjt wrote:
I would hold off until you Chase cards have some age.

Honestly, Im surprised that you got approved for those two Chase Cards with 8 c/o, with one being Chase. Are they paid/settled or unpaid?

+1 especially since you settled intead of PIF

Re: Chase Amazon Prime approval chances?

sjt — Mon, 20 May 2019 23:55:45 GMT

@coreysw12 wrote:
All 8 were settled in January of this year. And yes, I'm honestly surprised I was approved for them, too! They randomly popped up as being pre-approved when I logged into my chase checking accounts the other day

Good for you on getting approved. Like I said in my other post, I would hold off until your Chase accounts age at least 6 months.

Re: Chase Amazon Prime approval chances?

coreysw12 — Tue, 21 May 2019 00:08:44 GMT

Will do, thanks!

Re: Chase Amazon Prime approval chances?

Anonymous — Tue, 21 May 2019 01:23:08 GMT

I read every message thinking at some point I would come across something that said "CO" was something other than "charge off".

That combined with your scores makes the approvals, stunning.

I have no advice on the Amazon card....I'm just here to congratulate you on getting the other two Chase cards.

Re: Chase Amazon Prime approval chances?

Anonymous — Tue, 21 May 2019 06:49:14 GMT

I agree with the consensus of not risking your Chase accounts. I’m impressed that you got those two cards opened and I would be happy leaving it at that for the foreseeable future. Don’t want to upset Chase and have them claw your cards back.

Re: Chase Amazon Prime approval chances?

CreditInspired — Tue, 21 May 2019 10:36:47 GMT

@coreysw12 wrote:
Wanted to see what people think my chances could be of getting approved for the Prime card, before I try to apply. Here's my current standing:

Currently at 3/24.
Scores as shown in my signature.
Last week I was spproved for CSP @ $8,400 and CFU @ $5,600. Also a Cap1 card @ $2,000.

Here's where it gets iffy. I have 8 CO credit card accounts on my report. No collections or bankruptcies or judgments - those 8 CO accounts are my only baddies, but they're not very old either, at about 2 years. 1 of those CO credit cards was a Chase card.

You would think the 2-year-old Chase CO would be a dealbreaker, but keep in mind my CSP and CSU approvals I got just last week (against all odds).

Are my chances decent? I don't want to apply and then get denied, so if I should wait a while before applying, I will. But the problem is that there are other cards I want to get as well, so I was hoping to get the Amazon card before I hit that 5/24 mark that would likely make it impossible to get the Amazon card in the near future.

I dont want to be the bearer of ominous news but I think you should slow your roll. You’re poking a big sleeping bear and before you know it, he’s going to wake up and BAM, might slap you down.

There is a post on here that just last week a poster applied for the CSP. He had a CFU. It appears Chase did some digging and found a 12 yo problem and not only denied the CSP but also closed down his CFU. Im going to look for the link and post it here.

EDIT: Okay, found it, but it’s 2 different posts within a posts showing that what you’re contemplating is not a good idea.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-Denied-and-Closed/m-p/5615610#M230110

And Chase is well known for doing SPs pulls and closing CCs after they have been issued.

IMHO, I suggest laying low, not applying for anything else for 6-12 months, and keeping your fingers crossed that you’re not already in Chase’s crosshairs.