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Amazon Chase lol/24 Rejection

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1GaDawg85
Valued Contributor

Re: Amazon Chase lol/24 Rejection


@kdm31091 wrote:

It seems, based on what I've read, being at 6, 7, 8, or so in 24 is (sometimes) still okay for the Amazon card as of late. Being lol/24 still gets you a denial in most cases. 


I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 11 of 18
FinStar
Moderator Emeritus

Re: Amazon Chase lol/24 Rejection


@1GaDawg85 wrote:

I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


Just to clarify, is your 9/24 based on inquiries or accounts? The 5/24 is based off accounts. Unless, you inquiries + the number of accounts is the same.  

 

Also, how many new accounts in the past 12 months?

Message 12 of 18
1GaDawg85
Valued Contributor

Re: Amazon Chase lol/24 Rejection


@FinStar wrote:

@1GaDawg85 wrote:

I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


Just to clarify, is your 9/24 based on inquiries or accounts? The 5/24 is based off accounts. Unless, you inquiries + the number of accounts is the same.  

 

Also, how many new accounts in the past 12 months?


9/24 on inquiries 

 

8/24 new accounts 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 13 of 18
FinStar
Moderator Emeritus

Re: Amazon Chase lol/24 Rejection


@1GaDawg85 wrote:

@FinStar wrote:

@1GaDawg85 wrote:

I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


Just to clarify, is your 9/24 based on inquiries or accounts? The 5/24 is based off accounts. Unless, you inquiries + the number of accounts is the same.  

 

Also, how many new accounts in the past 12 months?


9/24 on inquiries 

 

8/24 new accounts 


Ok, thanks for clarifying your DPs. 

Most of the denials (from what folks have shared here + other blogs) have typically been with profiles 10/24 (and greater or beyond LOL), especially with those having a great portion of those in a 12 month period.

Message 14 of 18
1GaDawg85
Valued Contributor

Re: Amazon Chase lol/24 Rejection


@FinStar wrote:

@1GaDawg85 wrote:

@FinStar wrote:

@1GaDawg85 wrote:

I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


Just to clarify, is your 9/24 based on inquiries or accounts? The 5/24 is based off accounts. Unless, you inquiries + the number of accounts is the same.  

 

Also, how many new accounts in the past 12 months?


9/24 on inquiries 

 

8/24 new accounts 


Ok, thanks for clarifying your DPs. 

Most of the denials (from what folks have shared here + other blogs) have typically been with profiles 10/24 (and greater or beyond LOL), especially with those having a great portion of those in a 12 month period.


I had quite a few new accounts in the last 12 months as well. I guess I never thought about how much I have moved in the credit world till I look at the numbers lol 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 15 of 18
MrT_521
Regular Contributor

Re: Amazon Chase lol/24 Rejection


@FinStar wrote:

Most of the denials (from what folks have shared here + other blogs) have typically been with profiles 10/24 (and greater or beyond LOL), especially with those having a great portion of those in a 12 month period.


Besides here, there are plenty of posts about this on Reddit subs r/churning and r/CreditCards. I believe the highest DP I've seen of success is 9/24. It seems that Chase didn't completely do away with the 5/24 concept, but increased it.

Personal Cards

Business Cards

Debit Cards

FICO 8 Scores (as of Dec 14, 2022)


Message 16 of 18
Wavester64
Valued Contributor

Re: Amazon Chase lol/24 Rejection


@1GaDawg85 wrote:

@kdm31091 wrote:

It seems, based on what I've read, being at 6, 7, 8, or so in 24 is (sometimes) still okay for the Amazon card as of late. Being lol/24 still gets you a denial in most cases. 


I was 9/24 and approved with an Amazon card. I think if you start going double-digit, they might have an issue.


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Message 17 of 18
Relatxbles
Regular Contributor

Re: Amazon Chase lol/24 Rejection

Sorry to hear but best of luck in the future! Thanks for sharing! 




Message 18 of 18
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