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AMAZON PRIME VISA

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Established Contributor

AMAZON PRIME VISA

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.
Message 1 of 23
22 REPLIES 22
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Valued Contributor

Re: AMAZON PRIME VISA

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




"Your ego is writing checks your body can't cash".
Message 2 of 23
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Community Leader
Super Contributor

Re: AMAZON PRIME VISA


@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.

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


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 23
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Valued Contributor

Re: AMAZON PRIME VISA


@Hasselfree wrote:

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


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

500K+ TCL / 800+ FCOs
Message 4 of 23
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Valued Contributor

Re: AMAZON PRIME VISA


@Obscure-Expert wrote:

@Hasselfree wrote:

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


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?




"Your ego is writing checks your body can't cash".
Message 5 of 23
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Valued Contributor

Re: AMAZON PRIME VISA


@Hasselfree wrote:

@Obscure-Expert wrote:

@Hasselfree wrote:

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


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?


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.

500K+ TCL / 800+ FCOs
Message 6 of 23
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Regular Contributor

Re: AMAZON PRIME VISA


@Obscure-Expert wrote:

@Hasselfree wrote:

@Obscure-Expert wrote:

@Hasselfree wrote:

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


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?


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.


AMEX does!

Message 7 of 23
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Valued Contributor

Re: AMAZON PRIME VISA

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

500K+ TCL / 800+ FCOs
Message 8 of 23
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Regular Contributor

Re: AMAZON PRIME VISA

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.

Message 9 of 23
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Moderator

Re: AMAZON PRIME VISA


@felipestrong 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.


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

Message 10 of 23
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