AMAZON PRIME VISA

[Harvey26]

Question Fico Family,

My mom is looking at getting the Amazon Prime Visa and according too my calculations she is right on the 5/24 line. Do you think she will be approved? Don't want too have her apply and get denied if we could just wait it out a couple more months.

[Anonymous]

Have you tried the Chase prequalify page to see if it shows up? 

[CreditInspired]

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@Harvey26 wrote:
Question Fico Family,

My mom is looking at getting the Amazon Prime Visa and according too my calculations she is right on the 5/24 line. Do you think she will be approved? Don't want too have her apply and get denied if we could just wait it out a couple more months.

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If it's only a 2-month wait to be under 5/24 and sure, IMHO, I would just wait it out. 

[Anonymous]

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@Anonymous wrote:

Have you tried the Chase prequalify page to see if it shows up? 

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you can't pre-qual for co-brands.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Have you tried the Chase prequalify page to see if it shows up? 

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you can't pre-qual for co-brands.

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Is it not the same if you have a Chase prequal offer on their page that the Amazon Chase card would be a better approval?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Have you tried the Chase prequalify page to see if it shows up? 

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you can't pre-qual for co-brands.

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Is it not the same if you have a Chase prequal offer on their page that the Amazon Chase card would be a better approval?

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It's just marketing.  Chase wants you in their CORE products not the affiliate products.  They make more money off the core than affiliate.  I've yet to see a lender focus their pre-quals on affiliate products.  I get bombed with e-mails for affiliate products but they don't carry any weight when I know the lender in question wouldn't take a kind eye to my 15/24 status right now.  

My advice is.... If you WANT it the most out of their offerings then put the app in.  No one really knows until it's submitted and a decision is made.  Even then you can call them and ask for them to overturn a bad decision by the computer.  Nothing is final in credit until the ink dries and the card is in hand.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Have you tried the Chase prequalify page to see if it shows up? 

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you can't pre-qual for co-brands.

---

Is it not the same if you have a Chase prequal offer on their page that the Amazon Chase card would be a better approval?

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It's just marketing.  Chase wants you in their CORE products not the affiliate products.  They make more money off the core than affiliate.  I've yet to see a lender focus their pre-quals on affiliate products.  I get bombed with e-mails for affiliate products but they don't carry any weight when I know the lender in question wouldn't take a kind eye to my 15/24 status right now.  

My advice is.... If you WANT it the most out of their offerings then put the app in.  No one really knows until it's submitted and a decision is made.  Even then you can call them and ask for them to overturn a bad decision by the computer.  Nothing is final in credit until the ink dries and the card is in hand.

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AMEX does!

[Anonymous]

AMEX is a broad stroke pre-approval for their accounts.  Can you come up with any other lender that does?

[Anonymous]

Off the top of my head, no. But then again, I haven't been perusing pre-qual sites lately. In any event, I wasn't trying to start an argument with you. I was simply pointing out an exception to what you stated.

[Remedios]

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@Anonymous wrote:

Off the top of my head, no. But then again, I haven't been perusing pre-qual sites lately. In any event, I wasn't trying to start an argument with you. I was simply pointing out an exception to what you stated.

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You gave a great example of why previous generalization was incorrect. You need not look for any further