topic Re: Amazon credit card in Credit Card Applications

Looking for good credit cards

razzy116 — Sun, 07 Jun 2020 18:29:25 GMT

I"m looking for good cards, scores are Eq 606, Ex 618, Tu 616, maybe a credit union to start a relationship. Any advice would be appreciated.

Amex starter card

razzy116 — Sun, 07 Jun 2020 16:55:23 GMT

I would like to build a relationship with Amex what is a good starter card my scores are Eq 606, Ex 618, Tu 616. Any help would be appreciated.

Re: Amex starter card

Remedios — Sun, 07 Jun 2020 17:00:32 GMT

@razzy116 They dont have "starter" cards. Their "starters" are reflected in limits if approved.

I'm sorry, but at this time, you're looking at almost certain denial with your scores and negatives.

Re: Looking for good credit cards

Brian_Earl_Spilner — Sun, 07 Jun 2020 18:33:29 GMT

There's a lot of good secured cards out there that graduate.

Re: Looking for good credit cards

CYBERSAM — Sun, 07 Jun 2020 18:36:58 GMT

@razzy116 wrote:
I"m looking for good cards, scores are Eq 606, Ex 618, Tu 616, maybe a credit union to start a relationship. Any advice would be appreciated.

Credit Union is great while your rebuilding and for long run. 👍

Re: Looking for good credit cards

mrcraft — Sun, 07 Jun 2020 18:51:13 GMT

I think starting a relationship with a credit union is a great idea. Many of them offer secured cards. Also, Discover has a nice secured card that graduates in about 7 months. Good luck!

Re: Looking for good credit cards

Aim_High — Sun, 07 Jun 2020 20:52:43 GMT

@razzy116 wrote:
I"m looking for good cards, scores are Eq 606, Ex 618, Tu 616, maybe a credit union to start a relationship. Any advice would be appreciated.

Credit Unions are great and I highly recommend them! However, they can be tricky to suggest for someone when you don't know much about them. Due to their charters which are required for them to operate as non-profit organizations , many credit unions have geofencing restrictions on membership that keep them closed to most people who do not live or work in a limited geographic area or do not work for a SEG (Selected Employer Group). While it's sometimes possible to by-pass these restrictions or find CUs with a more at-large charter (like PenFed), it is usually best to start with credit unions you can connect to through your employment, through your affiliated groups (for example as a veteran or alumni of a certain university), or in your local area.

This link has a list of the 250 largest credit unions in the US.

https://www.mx.com/moneysummit/biggest-us-credit-unions-by-asset-size

Amazon credit card

razzy116 — Sun, 07 Jun 2020 22:23:03 GMT

I am looking to get a amazon credit card, my scores are Eq 606, Ex 618, Eq 616. Any help would be appreciated.

Re: Amazon credit card

AverageJoesCredit — Sun, 07 Jun 2020 22:25:01 GMT

Wait til your scores are considerably higher. Just too low especially in the current credit environment.

Amazon credit card

razzy116 — Mon, 08 Jun 2020 00:36:00 GMT

I"m lokking to get a amazon credit card, my scores are Eq 606, Ex 618, Tu 616. Any help would be appreciated.

Re: Amazon credit card

Anonymous — Mon, 08 Jun 2020 00:45:22 GMT

Wrong subthread to post under but you'd most likely have the best luck applying for the Amazon Store card by Synchrony Bank

Re: Amazon credit card

Physh1 — Mon, 08 Jun 2020 00:45:24 GMT

Which one? There are 2. I'd say Chase Amazon approval will be dicey...the Synchrony Amazon card may have a better chance with your scores...

Re: Amazon credit card

Ficoproblems247 — Mon, 08 Jun 2020 01:08:44 GMT

@razzy116 wrote:
I"m lokking to get a amazon credit card, my scores are Eq 606, Ex 618, Tu 616. Any help would be appreciated.

You have had multiple posts about your approval odds for different cards from different issuers. There have been many members, myself included, that have all given you the same advice. Different threads, different cards, different members, same advice. You need to address the issues that are keeping your scores suppressed and then garden until your profile looks strong enough to warrant an approval. You have had the suggestion made to you that your best course of action right now would be applying for a couple of secured cards. Take our advice or leave it, it's up to you. If you app for all of these products you keep asking about you're going to end up with a profile full of HPs and absolutely nothing to show for it. Not trying to be harsh, just realistic. Good luck on your journey.

Re: Amazon credit card

Remedios — Mon, 08 Jun 2020 01:17:58 GMT

@razzy116 I've merged your three identical threads, only difference being card names.

I get you're looking for a card, but cross posting and multiple threads on the same subject lead to a lot of confusion and redundant typing.

Re: Amazon credit card

coldfusion — Mon, 08 Jun 2020 02:36:18 GMT

@Physh1 wrote:
Which one? There are 2. I'd say Chase Amazon approval will be dicey...the Synchrony Amazon card may have a better chance with your scores...

With FICO scores in the low 600s approval of either card would be considered a Hail Mary. OP needs to understand that there are no reliable shortcuts to rebuilding ones profile and with their current scores secured cards are going to be their first best option for a while.

Re: Amazon credit card

Anonymous — Mon, 08 Jun 2020 09:31:40 GMT

Totally agree with this. I had similar scores a while ago and i knew i would be denied for most cards. I had a citi secured card for a year, my scores improved a bit, then i applied for capital one and got lucky they approved me for an unsecured card, and waited another year and a half to even think about applying for another card.