All you people chastising the OP need to back off. People on this forum forget that the average person doesn't think about credit like we do. They're offered 10-30% off their transaction whether they're approved or not, so they apply. If they shop at a store a lot, they apply.
@Anonymous there's nothing wrong with having store cards. If you shop there and can take advantage of the specials, then apply. Not everyone is gonna make a spreadsheet to maximize their rewards return. A couple of examples are the Target and Kohl's cards. Target is 5% instant cash back all of the time and the Kohl's cash adds up quickly depending how often you shop there. My last pair of Ray-Bans were cheaper at Kohl's than if I had used my Amex offers. Don't let others deter you. Do what makes sense for you.
As for your original question, that's a huge number of approvals in a short period of time. I'm going to echo what others have said and say to wait for at least a year to apply. Also, like mentioned above, you may want to look at the normal Amazon card. You basically get the same rewards except for whole foods. It will grow faster and you don't need to worry about additional hard pulls just to get credit limit increases.
@Anonymous wrote:
Thank you so much for posting that. I never had any credit cards expect one with capital one when I was 18 now I’m 28 and building my credit and trying to learn as much as possible. All of my cards are paid in full every month and I’ve never had any late payments or missed payments. I’m managing all of my cards very well but I wish I wouldn’t have went card crazy lol. I use almost every card monthly except Kay’s and Helzberg . Those two I probably will only use 2-3 times a year. I’ll probably wait a year and apply for amazon store card. My credit score has went up even more and my income is 60k a yr so I should be able to get it if I don’t apply for more cards Thanks again for your post ❤️.
Not a problem. What they're saying isn't wrong. You can earn better rewards with other cards that are open loop and can be used anywhere, but that's assuming you never carry a balance and, you're willing to learn and play the rewards game. My wife isn't. I made suggestions and it wasn't for her. She's happy using her Ulta, Old Navy, and Nordstrom cards. There's nothing wrong with that.
@Anonymous wrote:
Hello, Im super sad I’m always denied when applying for an Amazon credit card. I received my first card in March and now I have so many inquiries (atleast 20 on all TU,EQ not sure about EX ) I can’t get approved for the card I really want (Amazon credit card). I’ve tried 2x with no luck. How long should I wait before applying again? Around what credit score is needed or will I have to wait years since my inquiries are so high?
Here’s the cards I was approved for in the last 3 months.
1.Marvel Mastercard ($1000)
2.Oldnavy Visa ($1600)
3.Barclay Apple Rewards ($1500)
4. Torrid ($250) 8th
5.Capital One Platinum ($500)
6.Kay Jewelers ($2500)
7.Walmart ($1000)
8.Discover ($500)
9.Helzberg ($1501)
10.Ulta ($500)
11.Target ($300)
12.eBay MasterCard ($300)
13.AtHome ($1500)
14.Gap($300)
15.Commerce Bank ($1000)
16.Synchrony Home ($2500)
TU :718
EQ: 708
Ex: 696
You're just going to have to relax and stop applying for things for a good long while. I would say you should wait a year.
But if you're talking about the Chase Amazon card you need to wait 2 years.
@Remedios wrote:
@Brian_Earl_Spilner wrote:All you people chastising the OP need to back off. People on this forum forget that the average person doesn't think about credit like we do. They're offered 10-30% off their transaction whether they're approved or not, so they apply. If they shop at a store a lot, they apply.
@Anonymous there's nothing wrong with having store cards. If you shop there and can take advantage of the specials, then apply. Not everyone is gonna make a spreadsheet to maximize their rewards return. A couple of examples are the Target and Kohl's cards. Target is 5% instant cash back all of the time and the Kohl's cash adds up quickly depending how often you shop there. My last pair of Ray-Bans were cheaper at Kohl's than if I had used my Amex offers. Don't let others deter you. Do what makes sense for you.
As for your original question, that's a huge number of approvals in a short period of time. I'm going to echo what others have said and say to wait for at least a year to apply. Also, like mentioned above, you may want to look at the normal Amazon card. You basically get the same rewards except for whole foods. It will grow faster and you don't need to worry about additional hard pulls just to get credit limit increases.
That's all great and stuff, except your "average person" may acquire this many cards over the course of 10 years, not three months.
lso, average person is blissfully unaware of potential AA associated with excessive credit seeking.
Not just AA, but shooting yourself in the leg by applying just because, then not being able to get approved when it actually matters.
I've been there and so have you.
So, while you did make some great points, OP came here for advice on why they cant get approved for Amazon card, so it's normal and natural for responses to address the reasons, which in this case are excessive applications
As far as store cards go and their rewards, some are really great, but no one really needs a card for every store they ever walked in.
I would not get a card for a store where I might buy a t-shirt twice a year.
Right, the average person doesn't know any better. But, based on her responses before and after my post, she was not made to feel welcomed. Obviously, we can't tiptoe around the issue if we want to help her, but some things could have been said better. Other than that, most of the advice is solid.
@Brian_Earl_Spilner
It may have seemed that way, I believe most ppl here are looking out for your best, and I appreciate the way you stepped in front to tone it down a bit. (and they say chivalry is dead
) @Remedios also made a great point which brought everything back around to OP's originaI question. I have a couple of ?'s concerning OP and others, like myself (mentioned up-post) who did do excessive credit seeking.
They are:
Wondering if other than iceing the reports can you off-set some of the credit seeking damage by closing some of the less beneficial cards? Would that even help? Or would it hurt? Or....just a pointless idea?
I noticed OP has some MasterCards and Visa's, to me they seem like Keepers. Some store cards have higher limits than others. If unloading tl's were to be a good idea and it was up to you to do the culling- which ones would you cull and why?
@GApeachy wrote:
@Brian_Earl_SpilnerIt may have seemed that way, I believe most ppl here are looking out for your best, and I appreciate the way you stepped in front to tone it down a bit. (and they say chivalry is dead
They are:
Wondering if other than iceing the reports can you off-set some of the credit seeking damage by closing some of the less beneficial cards? Would that even help? Or would it hurt? Or....just a pointless idea?
I noticed OP has some MasterCards and Visa's, to me they seem like Keepers. Some store cards have higher limits than others. If unloading tl's were to be a good idea and it was up to you to do the culling- which ones would you cull and why?
I don't think it'll help. If they were a little more established and closing a bunch of accounts while opening a bunch, they could probably recon saying that they were replacing accounts that didn't work for them with ones that would. But Remmy is right, most people open that many cards over a course of years, not 3 months. The accounts are there already, I would just build up the history for a year before closing the ones that don't work.