topic Re: Amazon store card denial in Credit Card Applications

Amazon store card denial

Anonymous — Sun, 06 Oct 2019 09:48:58 GMT

Despite my better judgement, being tired and Amazon bugging me about a $100 SUB each time I added something to the cart and on every_single_product_page decided to apply for the Amazon store card to get them to shutup. Figured it would be a denial and it was.

650s FICO 8 I guess is too low for them with a limited history. They pulled TU which I only have 1 HP with.

No other cards within my reach for quite some time that are appealing to me so nothing really that harmful. Don't think a extra HP is going to change matters too much.

Will wait 6 months now and hopefully have a SP CLI on my WF card and try for a Chase Freedom. Reading here it's likely a auto denial regardless of your credit if it's younger than a year.

On a postive note their begging has stopped now.

Re: Amazon store card denial

Anonymous — Sun, 06 Oct 2019 11:11:08 GMT

Sorry to hear about the denial. I agree that Chase would prefer to see a year of credit history before being approved. People have been approved outside of the one year general guideline but there are far more that have been denied.

Re: Amazon store card denial

Anonymous — Sun, 06 Oct 2019 13:55:28 GMT

@Anonymous wrote:
Sorry to hear about the denial. I agree that Chase would prefer to see a year of credit history before being approved. People have been approved outside of the one year general guideline but there are far more that have been denied.

I wonder how many outside the 1 year ideal goal had checking accounts with them?

Re: Amazon store card denial

Raisondetre — Mon, 07 Oct 2019 01:19:49 GMT

Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

Re: Amazon store card denial

Meanmchine — Mon, 07 Oct 2019 03:15:48 GMT

Sorry OP

With Synchrony bank, a denial today can easily mean yes next month

Re: Amazon store card denial

Anonymous — Mon, 07 Oct 2019 08:31:33 GMT

@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

It was the Amazon store card. Not the Chase Visa card.

Wanted it manily for the SUB so no huge loss.

Re: Amazon store card denial

BallBounces — Mon, 07 Oct 2019 16:48:22 GMT

@Anonymous wrote:
@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.
It was the Amazon store card. Not the Chase Visa card.

Wanted it manily for the SUB so no huge loss.

@credit-user-19

What is your AAoA and your AoYA?

Re: Amazon store card denial

Anonymous — Tue, 08 Oct 2019 23:54:18 GMT

@BallBounces wrote:
@Anonymous wrote:
@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.
It was the Amazon store card. Not the Chase Visa card.

Wanted it manily for the SUB so no huge loss.
@credit-user-19
What is your AAoA and your AoYA?

WF card is 6 months old and the target is around 3 now. No other credit.

Re: Amazon store card denial

BallBounces — Wed, 09 Oct 2019 13:56:16 GMT

@Anonymous wrote:
@BallBounces wrote:
@Anonymous wrote:
@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.
It was the Amazon store card. Not the Chase Visa card.

Wanted it manily for the SUB so no huge loss.
@credit-user-19
What is your AAoA and your AoYA?

WF card is 6 months old and the target is around 3 now. No other credit.

Time to let things age again. Your profile is brand new, it needs some time... 6months would be great. 9 months would be better. Your scores and profile simly won't accomodate most approvals. But time and on time payments will solve that!

Re: Amazon store card denial

Anonymous — Fri, 11 Oct 2019 09:08:50 GMT

They sent me these reasons for denial:

Most recently opened revolving account is too new
Oldest account was opened too recently
Total of credit limits and loan amounts is too low - Really? Figured it would be like a low $300 SL

First two make sense the last I don't understand. They looking for people with 5k limits or something?

Didn't figure Synchrony would be that picky for the store card but I guess they are. This probably nothing out of the ordnary. Guess the Target REDcard has a MUCH lower entry. That was approved only 3 months into my journey with a very thin file.

Pulled a TU score of 640. Unsure if FICO 8 or 9.

Re: Amazon store card denial

KJinNC — Fri, 11 Oct 2019 15:42:52 GMT

I think I saw on this board, but don't quote me on this, that they stopped offering the secured version of this card due to some political situation. I think that's a pity, because if they didn't approve you for the unsecured version, at least you could get the secured card, and later graduate to unsecured without losing account age.

I got mine in May with a $1,500 limit unsecured, when my highest limit on anything else was $500, and all of my other cards were secured. At that time, I think my scores were in the 600s. I didn't have a FICO score then for EX or TU, only for EQ. Why those DPs led to a $1,500 approval and your DPs led to a denial is a mystery to me, but I can't imagine you were denied by much. You probably could try again in a couple of months and get it. It's a really good card if you shop much at Amazon. Good luck!