topic Re: scores needed for paypal credit and amazon store cards in Credit Cards

scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 05:01:36 GMT

i was just curious if anyone knew what score model and what score would be a safe bet to app for these? i have a cap1 secured card but would like to ad these as i use both paypal and amazon a lot. my fico 8 is EQ 625, TU 599, EX 608. I do have a few collections and late payments(late is almost 11 months old) and 2 co credit cards for hsbc abd credit one from 2011. Just dont want to waste the inquiry if i'm not where i need to be.

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 05:11:33 GMT

Google credit pulls database, it's a wide range I've seen some Amazon store cards on there show scores in the high 500s now with the lates and collections it may be shaky...IMO I would hold off a bit on both on those apps.

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 05:41:40 GMT

I would try for the Pay Pal credit and hold off on the Amazon store card if you have low INQ

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 06:33:03 GMT

PayPal credit pulls EQ. Amazon pulls TU. So I would hold off on Amazon until you reach the 600s. PayPal credit is through Comenity bank. They have an internal score that they use. But, it's possible that you have a better chance there. My brother got approved with a similar score. So good luck!!

Re: scores needed for paypal credit and amazon store cards

olehammer — Thu, 30 Jun 2016 15:14:47 GMT

Good luck! I'm pretty sure my scores were on par with yours when I got in with Paypal.

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 15:24:59 GMT

My score is 647 with 7CA, 3 Judgement and was approved for $500 on Amazon yesterday. I also did 13 inquiries yesterday

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 17:45:45 GMT

I would wait

Re: scores needed for paypal credit and amazon store cards

Anonymous — Thu, 30 Jun 2016 18:22:24 GMT

I was approved for Amazon just this week. They pull TU which is hovering around 650. CL is 1000. I applied in March with same score, same utilization, and fewer inquiries, and declined.

I also applied for the PayPal MC, not PayPal credit, approved 800, also pulled TU.

Re: scores needed for paypal credit and amazon store cards

RonM21 — Thu, 30 Jun 2016 20:42:56 GMT

I'd be cautious and wait, mainly because when you factor in the notorious "ymmv" thought, it looks like it could be a 50/50 shot on either card, for where you currently stand. But if you're willing to possibly take an HP denial or so, then I guess that would not matter.

Re: scores needed for paypal credit and amazon store cards

Anonymous — Sat, 02 Jul 2016 18:08:57 GMT

****EDIT**** My score for TU is now 607 for the fico8 model, anyone know which model they use?

Re: scores needed for paypal credit and amazon store cards

Anonymous — Sat, 02 Jul 2016 18:44:29 GMT

I was just approved for Amazon $1,500 my CK scores were 680 I think, but my score just took a hit to 650 when some other new cards posted. I have like 15 inquiries as well. Can't remeber if I applied when my score was 650 or if they were still in the 680's as I didn't check my score.