topic Re: Amazon Card approval requirements in Credit Cards

Amazon Card approval requirements

SupraTurbo2jz — Wed, 22 Feb 2012 13:17:39 GMT

Hello all, still in process of acquiring credit after a horrible last 3 years and I'm really interested in the amazon "store card" and wanted to know if anyone could give me some insight as to what they are looking for. I know its backed by GE which is the main reason (luv button) and this will be my last card for a while (going gardening ) with that said I've been turned down from best buy and jcp in dec. however my score has since raised about 20 pts with TU whom I understand is who they use? I have an orchard card (300) 0 bal, secured cap 1 (500) 78 bal, and just got a cap 1 unsecured credit steps with a 300 limit yesterday. Anyway any insight would be greatly appreciated and thanks in advance.

Re: Amazon Card approval requirements

bichonmom — Wed, 22 Feb 2012 13:55:53 GMT

@SupraTurbo2jz wrote:
Hello all, still in process of acquiring credit after a horrible last 3 years and I'm really interested in the amazon "store card" and wanted to know if anyone could give me some insight as to what they are looking for. I know its backed by GE which is the main reason (luv button) and this will be my last card for a while (going gardening ) with that said I've been turned down from best buy and jcp in dec. however my score has since raised about 20 pts with TU whom I understand is who they use? I have an orchard card (300) 0 bal, secured cap 1 (500) 78 bal, and just got a cap 1 unsecured credit steps with a 300 limit yesterday. Anyway any insight would be greatly appreciated and thanks in advance.

IMO, your score is a bit low for GE. I can't tell from your sig if your TU FICO is a real FICO, or is the Vantage FAKO. Your util is low, but do you have any baddies on your cr? How old is your oldest cc? I got an old navy GE cc last year, but I did have one year or cr history on 2 installment loans and only one baddie, which was over 6 yrs old (and has since fallen off). It depends on how recent any baddies are and how long your credit history is. IMO, if you weren't approved for jcp, I doubt you'd be approved for amazon based on your sig scored. Of course, there is no way to tell for sure, but that's just my opinion based on my experience and what I've read here.

Re: Amazon Card approval requirements

SupraTurbo2jz — Wed, 22 Feb 2012 15:15:46 GMT

the TU is a fico and yes i do have baddies sallie mae has 8 months of bad reporting due to forebearence issues they will not resolve have 8 on time payments since, older bk from 03/04 and paid charge off hsbc from 02/06 2 paid state tax liens and just got my approval for removal of irs liens from this 06/11. my oldest cc both opened in october new car loan in dec. AAoA is 4.5 years with my oldest being 22 years.

Re: Amazon Card approval requirements

UpNComing — Wed, 22 Feb 2012 15:30:49 GMT

@SupraTurbo2jz wrote:
the TU is a fico and yes i do have baddies sallie mae has 8 months of bad reporting due to forebearence issues they will not resolve have 8 on time payments since, older bk from 03/04 and paid charge off hsbc from 02/06 2 paid state tax liens and just got my approval for removal of irs liens from this 06/11. my oldest cc both opened in october new car loan in dec. AAoA is 4.5 years with my oldest being 22 years.

I was approved recently for the Amazon Store Card with close to the same scores. Although I have less trouble in my wake, I do have a judgement from 2 yrs ago but nothing else. My scores are low due to util. We recently paid for a wedding and pushed our limits on the cards.

Re: Amazon Card approval requirements

SupraTurbo2jz — Wed, 22 Feb 2012 15:39:51 GMT

Seems to be that even tho the score may go higher once the tax issue is resolved I still may not qualify based on the other issues hampering me. I just wanted to get a card that I could grow with and not have a bizillion inquiries plus I would definetly use the card for things I currently need. Don't know what to do at this point, maybe see what my score hits when the liens come off my report and if a substantial jump give it a shot otherwise I'm guessing I'm stuck with what I got until the other baddies fall off...

Re: Amazon Card approval requirements

LS2982 — Wed, 22 Feb 2012 16:43:07 GMT

@SupraTurbo2jz wrote:
Hello all, still in process of acquiring credit after a horrible last 3 years and I'm really interested in the amazon "store card" and wanted to know if anyone could give me some insight as to what they are looking for. I know its backed by GE which is the main reason (luv button) and this will be my last card for a while (going gardening ) with that said I've been turned down from best buy and jcp in dec. however my score has since raised about 20 pts with TU whom I understand is who they use? I have an orchard card (300) 0 bal, secured cap 1 (500) 78 bal, and just got a cap 1 unsecured credit steps with a 300 limit yesterday. Anyway any insight would be greatly appreciated and thanks in advance.

With your current TU score I would recommentd gardening for 6 months and get some good history on your current accounts and hopefully your TU FICO will rise before you app.

Re: Amazon Card approval requirements

LS2982 — Wed, 22 Feb 2012 16:45:44 GMT

@SupraTurbo2jz wrote:
the TU is a fico and yes i do have baddies sallie mae has 8 months of bad reporting due to forebearence issues they will not resolve have 8 on time payments since, older bk from 03/04 and paid charge off hsbc from 02/06 2 paid state tax liens and just got my approval for removal of irs liens from this 06/11. my oldest cc both opened in october new car loan in dec. AAoA is 4.5 years with my oldest being 22 years.

I would seriously garden for a year with the current cards and work on getting these items removed and resolved first before apping. You don;t want to waste INQ's and futher damage your scores.

Re: Amazon Card approval requirements

SupraTurbo2jz — Wed, 22 Feb 2012 16:58:22 GMT

Pretty much my thoughts...I will check back to let you guys know what my score goes to once the liens come off, one is from this year and one is from 08 but I've been making payments on them. Spoke with the advisor this morning and shes processing paperwork as we speak . hopefully will have them removed by end of the month...current util was I think 15% I will get that to under 9% hopefully with another boost in score.

Re: Amazon Card approval requirements

LS2982 — Wed, 22 Feb 2012 17:04:05 GMT

@SupraTurbo2jz wrote:
Pretty much my thoughts...I will check back to let you guys know what my score goes to once the liens come off, one is from this year and one is from 08 but I've been making payments on them. Spoke with the advisor this morning and shes processing paperwork as we speak . hopefully will have them removed by end of the month...current util was I think 15% I will get that to under 9% hopefully with another boost in score.

Recent liens are almost always a dealbreaker for new CC's. Make sure you get it removed and not updated to paid.

Re: Amazon Card approval requirements

SupraTurbo2jz — Wed, 22 Feb 2012 17:06:10 GMT

nope they will be removed as per the irs new program. they are completely withdrawen* as if it never happed...to bad the state of Ohio doesn't do this.

Re: Amazon Card approval requirements

LS2982 — Wed, 22 Feb 2012 17:07:05 GMT

@SupraTurbo2jz wrote:
nope they will be removed as per the irs new program. they are completely withdrawen* as if it never happed...to bad the state of Ohio doesn't do this.

Sweet!!! Yes, unfortunately state tax liens are a PITA to remove.

Re: Amazon Card approval requirements

Anonymous — Thu, 23 Feb 2012 04:42:46 GMT

jcpenny an Amazon are ge cards

Re: Amazon Card approval requirements

Creditaddict — Thu, 23 Feb 2012 09:43:28 GMT

Great list but let me add the following in red are no longer offered I believe:

@Anonymous wrote:
jcpenny an Amazon are ge cards

AEO, Inc Credit Card
AEO, Inc Visa®Card
Amazon.com Store Card
American Nurses Association Platinum MasterCard®
Belk Rewards Card this use to be WFFNB, no longer?
Boston College Platinum MasterCard®
Brooks Brothers Credit Card
Brooks Brothers Platinum MasterCard®
Chevron and Texaco Credit Card
Chevron and Texaco Visa® Card
DICK'S Sporting Goods Credit Card
DICK's Sporting Goods MasterCard ®
Dillard's Credit Card
Dillard's American Express® Card
eBay MasterCard®
Gap Inc. Credit Card
Gap Inc. Visa® Card
GE Money Platinum MasterCard®
IKEA Credit Card
JCPenney Credit Card
Kirkland's Credit Card
Lord & Taylor Credit Card
Lowe's Consumer Credit Card
Lowe's Project Card
Meijer Credit Card
Meijer Platinum MasterCard®
Men's Wearhouse Perfect Fit® Credit Card
Modell's Sporting Goods®MVP® Credit Card
Modell's Sporting Goods® MVP® Platinum MasterCard®
Northwestern University Platinum MasterCard®
PayPal Smart Connect Card
PayPal Extras MasterCard®
QVC QCard®
Sam's Club® Credit Card
Sam's Club®Discover® Card
ShopNBC Credit Card
ShopNBC Platinum Rewards MasterCard®
Stein Mart Platinum Rewards MasterCard®
TJX Rewards® Credit Card
TJX Rewards® Platinum MasterCard®
Universal American Express® Card
Walmart®Credit Card
Walmart® Discover® Card

Re: Amazon Card approval requirements

LS2982 — Thu, 23 Feb 2012 11:15:20 GMT

@Creditaddict wrote:
Great list but let me add the following in red are no longer offered I believe:
@Anonymous wrote:
jcpenny an Amazon are ge cards

AEO, Inc Credit Card
AEO, Inc Visa®Card
Amazon.com Store Card
American Nurses Association Platinum MasterCard®
Belk Rewards Card this use to be WFFNB, no longer?
Boston College Platinum MasterCard®
Brooks Brothers Credit Card
Brooks Brothers Platinum MasterCard®
Chevron and Texaco Credit Card
Chevron and Texaco Visa® Card
DICK'S Sporting Goods Credit Card
DICK's Sporting Goods MasterCard ®
Dillard's Credit Card
Dillard's American Express® Card
eBay MasterCard®
Gap Inc. Credit Card
Gap Inc. Visa® Card
GE Money Platinum MasterCard®
IKEA Credit Card
JCPenney Credit Card
Kirkland's Credit Card
Lord & Taylor Credit Card
Lowe's Consumer Credit Card
Lowe's Project Card
Meijer Credit Card
Meijer Platinum MasterCard®
Men's Wearhouse Perfect Fit® Credit Card
Modell's Sporting Goods®MVP® Credit Card
Modell's Sporting Goods® MVP® Platinum MasterCard®
Northwestern University Platinum MasterCard®
PayPal Smart Connect Card
PayPal Extras MasterCard®
QVC QCard®
Sam's Club® Credit Card
Sam's Club®Discover® Card
ShopNBC Credit Card
ShopNBC Platinum Rewards MasterCard®
Stein Mart Platinum Rewards MasterCard®
TJX Rewards® Credit Card
TJX Rewards® Platinum MasterCard®
Universal American Express® Card
Walmart®Credit Card
Walmart® Discover® Card

I noticed CareCredit is not listed>

Re: Amazon Card approval requirements

Anonymous — Thu, 23 Feb 2012 16:35:37 GMT

@Creditaddict wrote:
Great list but let me add the following in red are no longer offered I believe:
@Anonymous wrote:
jcpenny an Amazon are ge cards

AEO, Inc Credit Card
AEO, Inc Visa®Card
Amazon.com Store Card
American Nurses Association Platinum MasterCard®
Belk Rewards Card this use to be WFFNB, no longer?
Boston College Platinum MasterCard®
Brooks Brothers Credit Card
Brooks Brothers Platinum MasterCard®
Chevron and Texaco Credit Card
Chevron and Texaco Visa® Card
DICK'S Sporting Goods Credit Card
DICK's Sporting Goods MasterCard ®
Dillard's Credit Card
Dillard's American Express® Card
eBay MasterCard®
Gap Inc. Credit Card
Gap Inc. Visa® Card
GE Money Platinum MasterCard®
IKEA Credit Card
JCPenney Credit Card
Kirkland's Credit Card
Lord & Taylor Credit Card
Lowe's Consumer Credit Card
Lowe's Project Card
Meijer Credit Card
Meijer Platinum MasterCard®
Men's Wearhouse Perfect Fit® Credit Card
Modell's Sporting Goods®MVP® Credit Card
Modell's Sporting Goods® MVP® Platinum MasterCard®
Northwestern University Platinum MasterCard®
PayPal Smart Connect Card
PayPal Extras MasterCard®
QVC QCard®
Sam's Club® Credit Card
Sam's Club®Discover® Card
ShopNBC Credit Card
ShopNBC Platinum Rewards MasterCard®
Stein Mart Platinum Rewards MasterCard®
TJX Rewards® Credit Card
TJX Rewards® Platinum MasterCard®
Universal American Express® Card
Walmart®Credit Card
Walmart® Discover® Card

I received an offer to apply for a Belk card and it was GE. That was a few months ago. (I passed on the offer.)