topic Re: Amazon Visa in Credit Cards

Amazon Visa

eaglesilas — Thu, 02 Mar 2017 02:39:31 GMT

thinking about closing this card.This card gets me nowhere.stucked at 1500 limit.Have cards with 8000 to 15000 limit.

scores 720 - 740.

Just called an he gave me the 10 day notice,BofA gave me 3000 today to 8000.

Any ideas....

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 03:31:41 GMT

How much money do you put through the card every cycle and do you pay it off?

This is the card through Chase right?

How long have you had it?

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 03:39:45 GMT

5% back and no annual fee. It might not be getting you far but certainly isn't holding you back from anything.

Re: Amazon Visa

eaglesilas — Thu, 02 Mar 2017 03:40:19 GMT

got the card in 2012. starting limit was 500 and june 2016 i got 1000 raise after i ask for.

i put not so much throu,mostly i carried a small amount,200 to 300.

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 16:23:55 GMT

Explain why an Amazon Visa needs a big credit limit when it does not offer balance transfer incentives or points outside of Amazon if you're only using 30% of it I would just continue to leave it what it is. You can always get another Chase credit card you hate and move the limit over to make your Amazon big but that is pointless

Re: Amazon Visa

kdm31091 — Thu, 02 Mar 2017 16:44:10 GMT

Do you get use out of the card? If the card were useful to me, I'd just put up with the low limit. If it's not super useful, and you aren't very loyal to Amazon, etc, then just close it and move on. You can still shop on Amazon; you don't have to have the credit card.

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 17:38:18 GMT

5% savings is still 5% savings.

Re: Amazon Visa

precision — Thu, 02 Mar 2017 19:51:12 GMT

Closing a decent repuation card with no annual fee is doing nothing to you but hurting yourself.

I understand your frustration of the card not growing how you would like. But the card is costing nothing for you to keep and by closing it you are hurting your total utility.

There are cases in which to close a card. This is not one of them.

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 20:05:25 GMT

I actually find a large Amazon limit very useful, but only with 0% APR which the Chase card doesn't have. The variety of products they sell is huge. A buddy of mine just charged ~16k to his card after getting a new place, paid for furniture, kitchen, tv's, stereo, computer gear, and even a new exhaust system for his BMW and gets 18 months to pay it off. Sync may be a PITA sometimes, but that's hard to beat.

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 20:26:20 GMT

@Anonymous wrote:
I actually find a large Amazon limit very useful, but only with 0% APR which the Chase card doesn't have. The variety of products they sell is huge. A buddy of mine just charged ~16k to his card after getting a new place, paid for furniture, kitchen, tv's, stereo, computer gear, and even a new exhaust system for his BMW and gets 18 months to pay it off. Sync may be a PITA sometimes, but that's hard to beat.

I've never seen an Amazon Visa with that high of a limit. Do you know what his limit is?

Re: Amazon Visa

Anonymous — Thu, 02 Mar 2017 20:57:56 GMT

I was referencing the 0% APR card from Sync. Limit is 25k. Sorry if that wasn't more clear, I'm doing 11 things at once.

Re: Amazon Visa

MclarenF1 — Fri, 03 Mar 2017 01:00:34 GMT

Do you have any other chase cards? If you are looking to take advantage of 5% on amazon you can always reallocate credit limits. I say this because I recently got a chase amazon prime card but they only gave me a $500 limit. I called them and had them move $5,000 from my chase freedom to the amazon. Not applicable if you are looking to increase total limits, but maybe it is easier to increase limits via another chase card and then reallocate. Good Luck!

Re: Amazon Visa

kdm31091 — Fri, 03 Mar 2017 01:20:33 GMT

@Anonymous wrote:
5% savings is still 5% savings.

Not to derail but Amazon does not always have the best prices on items, so it still pays to comparison shop. You could end up saving more than the 5%. Prime, to me, is basically about convenience and speed of shipping vs necessarily always the best pricing. So, while you may get 5% in rewards, you may also save 5%+ by getting the item elsewhere, so it just depends.

Re: Amazon Visa

Anonymous — Fri, 03 Mar 2017 01:50:23 GMT

@Anonymous wrote:
@Anonymous wrote:
I actually find a large Amazon limit very useful, but only with 0% APR which the Chase card doesn't have. The variety of products they sell is huge. A buddy of mine just charged ~16k to his card after getting a new place, paid for furniture, kitchen, tv's, stereo, computer gear, and even a new exhaust system for his BMW and gets 18 months to pay it off. Sync may be a PITA sometimes, but that's hard to beat.
I've never seen an Amazon Visa with that high of a limit. Do you know what his limit is?

When I got the card in 2004, my limit was $25K (and still would be except I moved part of it to the CSP, no auto-CLIs in 13 years)

Re: Amazon Visa

Anonymous — Fri, 03 Mar 2017 02:08:40 GMT

@kdm31091 wrote:
@Anonymous wrote:
5% savings is still 5% savings.
Not to derail but Amazon does not always have the best prices on items, so it still pays to comparison shop. You could end up saving more than the 5%. Prime, to me, is basically about convenience and speed of shipping vs necessarily always the best pricing. So, while you may get 5% in rewards, you may also save 5%+ by getting the item elsewhere, so it just depends.

Agreed. My Amazon orders have dropped significantly over the years as I've learned Amazon isn't automatically the cheapest place to shop.

Re: Amazon Visa

CreditCuriosity — Fri, 03 Mar 2017 02:17:16 GMT

They might not have the best pirces all the time, but they have 99% of the items without having to shop around for them and the 2 day shipping (amazon prime for "free") is amazing as well. Even if something might be a few dollars more on occassion, convience wins for me. One shop shopping portal. Just placed an order for a bundle of paper towels, razer blades tonight a few days before a small order and a few days prior another small order. I use the crud out of amazon just due to me not wanting to spend my time off work at stores or shopping so use prime now alot as well. Sure I could stop by and grab paper towels at the grocery store, but why not have them delivered . Willing to look over the CEO faults of amazon for convience and that is saying alot.

Re: Amazon Visa

Anonymous — Fri, 03 Mar 2017 02:20:38 GMT

@CreditCuriousity wrote:
They might not have the best pirces all the time, but they have 99% of the items without having to shop around for them and the 2 day shipping (amazon prime for "free") is amazing as well. Even if something might be a few dollars more on occassion, convience wins for me. One shop shopping portal. Just placed an order for a bundle of paper towels, razer blades tonight a few days before a small order and a few days prior another small order. I use the crud out of amazon just due to me not wanting to spend my time off work at stores or shopping so use prime now alot as well. Sure I could stop by and grab paper towels at the grocery store, but why not have them delivered . Willing to look over the CEO faults of amazon for convience and that is saying alot.

I've tried doing that with pantry items and the likes but it just never seems to work out. Amazon wants me to buy multiple items or bundles of soap to get free shipping. It just feels like I'm spending more than I have to just to get it from Amazon and delivered for free.. not worth it when It takes 10 min to stop at the store and get exactly what I want at the quantity that I want!

Re: Amazon Visa

Anonymous — Fri, 03 Mar 2017 02:22:55 GMT

Whatever works. They have an auto price matching algorithm in place for a lot of their items against a lot other stores, not sure which all stores that includes. Large purchases I personally always shop around but favor Amazon for their next day delivery since they have a warehouse in the next town over from mine, plus their return policy is top notch. They really are a customer first based business. Works for me even if sometimes a product may or may not cost a few percent more.

Re: Amazon Visa

CreditCuriosity — Fri, 03 Mar 2017 02:28:53 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
They might not have the best pirces all the time, but they have 99% of the items without having to shop around for them and the 2 day shipping (amazon prime for "free") is amazing as well. Even if something might be a few dollars more on occassion, convience wins for me. One shop shopping portal. Just placed an order for a bundle of paper towels, razer blades tonight a few days before a small order and a few days prior another small order. I use the crud out of amazon just due to me not wanting to spend my time off work at stores or shopping so use prime now alot as well. Sure I could stop by and grab paper towels at the grocery store, but why not have them delivered . Willing to look over the CEO faults of amazon for convience and that is saying alot.
I've tried doing that with pantry items and the likes but it just never seems to work out. Amazon wants me to buy multiple items or bundles of soap to get free shipping. It just feels like I'm spending more than I have to just to get it from Amazon and delivered for free.. not worth it when It takes 10 min to stop at the store and get exactly what I want at the quantity that I want!

Not talking amazon pantry, alot of area of amazon fresh and or amazon prime now (2 hour delivery). You might only have amazon pantry option.

Re: Amazon Visa

eaglesilas — Fri, 03 Mar 2017 03:31:15 GMT

huuuuuu,just checked my Amazon Visa and they raised me from 1500 to 5000. I guess I will keep the card.