topic Re: Amazon Prime Store Card - Synchrony Question in Credit Cards

Amazon Prime Store Card - Synchrony Question

WhiteCollar — Tue, 18 Aug 2020 15:58:27 GMT

I'm already a prime member and thinking of applying for the Amazon Prime Store Card. The special financing is attractive along with the $100 gift card upon approval and 5% cash back. Not really interested in the Visa versions and I'm not a Whole Foods shopper. Is it true that Synchrony pulls TU? Do you know which scoring model will be used. I only have 1 inq. on TU this year.

Re: Amazon Prime Store Card - Synchorny Question

BetterMoves — Tue, 18 Aug 2020 14:42:42 GMT

I was approved in May; yes, they only pulled my TU. I don't know about scoring model.

Also got a CLI after 3rd statement date. Good luck!

Re: Amazon Prime Store Card - Synchorny Question

RSX — Tue, 18 Aug 2020 14:54:26 GMT

You could also try for the Chase Amazon card.

I am not a big fan of Synchrony

Re: Amazon Prime Store Card - Synchorny Question

SecretAzure — Tue, 18 Aug 2020 14:55:02 GMT

I have seen where somebody was recently approved and they pulled EquiFax in April.

OP, it often depends on where you live what they choose to pull. I would get all your ducks in a row before applying.

Re: Amazon Prime Store Card - Synchorny Question

blindambition — Tue, 18 Aug 2020 14:55:54 GMT

They use TU the majority of time. They use Vantage 4.0.

Re: Amazon Prime Store Card - Synchorny Question

blindambition — Tue, 18 Aug 2020 15:04:10 GMT

@RSX wrote:
You could also try for the Chase Amazon card.

I am not a big fan of Synchrony

I'm guessing OP is past 5/24. Recent posts and approvals. Also Chase isn't fond of a lot of recent apps.

Re: Amazon Prime Store Card - Synchorny Question

WhiteCollar — Tue, 18 Aug 2020 15:08:00 GMT

I too am not a big fan of Synchrony however I burned Chase a few years ago, an account was charged-off. It's paid just waiting for it to fall off mid-2021. I'd rather have a CSP or CFU than an Amazon Visa if I can get back in their good graces.

Re: Amazon Prime Store Card - Synchorny Question

Anonymous — Tue, 18 Aug 2020 15:49:03 GMT

They pull TU most of the time but occasionally will pull EQ or EX and they use a number of different scoring algorithms including FICO, Vantage, and their own in house scoring solution. No telling which until you get the letter.

Re: Amazon Prime Store Card - Synchorny Question

SecretAzure — Tue, 18 Aug 2020 15:51:56 GMT

Slightly unrelated, I wanted to point out the title of this thread has the most hilarious spelling of Synchrony I've ever seen.

On topic, if your scores are fine across the board, give it a shot. The smart people here seem to believe there's a fairly good chance they'll pull TU which is what you wanted.

Do let us know how it turns out.

Re: Amazon Prime Store Card - Synchorny Question

WhiteCollar — Tue, 18 Aug 2020 15:53:38 GMT

Thanks everyone, I applied and was approved! TU was pulled.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approved-for-Amazon-Prime-Store-Card/td-p/6111224

Mod- feel free to lock this thread.

Re: Amazon Prime Store Card - Synchorny Question

Anonymous — Tue, 18 Aug 2020 15:54:15 GMT

@WhiteCollar wrote:
Thanks everyone, I applied and was approved! TU was pulled.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approved-for-Amazon-Prime-Store-Card/td-p/6111224

Mod- feel free to lock this thread.

Congrats!

Re: Amazon Prime Store Card - Synchorny Question

WhiteCollar — Tue, 18 Aug 2020 15:57:49 GMT

@SecretAzure slight typo, corrected.

Re: Amazon Prime Store Card - Synchrony Question

Velar_nyc19 — Tue, 18 Aug 2020 16:45:33 GMT

@WhiteCollar wrote:
I'm already a prime member and thinking of applying for the Amazon Prime Store Card. The special financing is attractive along with the $100 gift card upon approval and 5% cash back. Not really interested in the Visa versions and I'm not a Whole Foods shopper. Is it true that Synchrony pulls TU? Do you know which scoring model will be used. I only have 1 inq. on TU this year.

I applied for the Amazon Store version and didnt realize my TU was frozen at the time, so they pulled EX 700 and they denial reason was " Length of time accounts have been established " which is a JOKE!! i have over 3 years of excellent payment history, no badiies amd low inquiries, trie to recon but they shot me down.. not worth my time anymore

Re: Amazon Prime Store Card - Synchrony Question

RickNATL — Wed, 19 Aug 2020 06:00:15 GMT

Big fan of the card...they pull TU, and CLIs are based on spend and soft pulls until $25K.

Re: Amazon Prime Store Card - Synchorny Question

Anonymous — Wed, 19 Aug 2020 06:28:25 GMT

Congrats on your approval. Thread locked.