Amazon Prime Rewards Visa Signature Card

[Anonymous]

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@Anonymous wrote:

If someone is at a healthy utilization percentage that's outside of the "good" range (29%+) and they are unable to pay it off for whatever reason, IMO the last thing they should be looking to do is take on more credit.  Yes there are exceptions like scooping up a 0% BT card, but putting the exceptions aside it simply isn't a smart financial move to take on more potential debt if you are unable to pay off the debt you currently have.

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Generalisations are fun, aren't they?

One CC: it's a 18month interest-free I use to finance a computer. I'm always paying off more than the monthly minimum, but as a student with a fairly low income living in an extremly expensive place I'm glad I have this option of small payments instead of one (or few) big ones, especially when I was in dire need of a new computer (yes, I could have just saved, but I did need this device for work). I'm no fan of having debt, not at all, but it was a trade-off between having debt and not having something I did need in a timely manner 

The other CC is my day-to-day CC. I always pay the full balance on time each month (so much for not being able to pay debt), but I have enabled auto-pay, so it's always almost a month between the statement and the actual payment. Of course I continue to use it in the meantime and come statement-day, have a new utilization. I try to lower it, of course, but sometimes just life happens and you' re glad you can delay that payment for a month.

Also, we're not talking of huge numbers of credit nor debt. We're talking of $1,300 CL.

(Hence, the aforementioned $2,500 by another user is not even close to a "low limit" for me)

[Anonymous]

That being said, does anyone know which score they pull? I get conflicting info when I do a search

[fltireguy]

Chase pulls whoever they feel like.. Sometimes they double pull as well. And it doesn't seem to matter where you live geographically either

[Anonymous]

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@Anonymous wrote:

That being said, does anyone know which score they pull? I get conflicting info when I do a search

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That's because there is no concrete answer here.  Look at the credit pulls database and search for Chase Amazon and you'll see that all bureaus are used by Chase.  As indicated above, they are known to pull 2B quite often.

As for the debt discussion, I still maintain that if someone is unable to pay off the debt they have now that taking on more isn't a smart financial move.  Yes there are exceptions like mortgages and car loans, but in most of those cases equity would be the bail out if it really came down to it which would eliminate the debt.  It's just my opinion stated above and it isn't one that everyone has to agree with.

[digitek]

I agree with you 100% Brutal that is solid advice.

It is twice as easy to get into debt as it is to get out of it.  It is really easy for me to spend over my budget, but really hard for me to spend less than my budget so that I can repay exces debt I took on when I went over my budget.

CC's are strange though, because if the OP plays it right (PIF every month) then this card could actually save them money =D

If it matters, I have 2 Chase cards and they double pulled EXP and EQ both times when I applied, but it could be any of them.

[LavishSpending]

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@Anonymous wrote:

That being said, does anyone know which score they pull? I get conflicting info when I do a search

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For the Amazon Prime, Chase pulled my TU and EX last year (denied). Just last month they pulled TU and EX again for Freedom Unlimited. I just applied for the Amazon again two days ago, and I'm at 4 pulls now and pending app. Typically you won't have that happen, but there are some reports of things like that. I just created a post about my case today.

[LavishSpending]

Actually I didn't have 4 pulls. It was 2. TrustedID.com is sloppy, and I updated my other post with more detail.

[Anonymous]

Chase is tough, but I think the Amazon card is one of the easier ones to get. A App will really affect you much and a denial won't hurt you at all. A friend of mine got this card and he had two other cards that were 100% maxced out. I would give it a shot. You should see if they have any promo's going on. I.e. Balance transfers for signup bonus points. The 5% discount on everything Amazon is great. I also have the store card, Limit is somewhere near $13,000 and the Chase Amazon card is just under $20k I believe. When I applied, I got a $4,000 CL, I used it a lot for a few months paying it off in full and then asked for a CLI and they increased it to $15,000. Most recently they gave me a few more grand with a letter that came in the mail. I just to call and approve the CLI.

Let us know the outcome,

[LavishSpending]

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@Anonymous wrote:
You should see if they have any promo's going on. I.e. Balance transfers for signup bonus points.

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The current promo I kept seeing and eventually applied for is a $70 Amazon instant gift card.

[Anonymous]

I went for it and finally applied with scores in the high 730s and one 740 (Experian, which they pulled, don't know if they pullend any of the other) and a util <30%. Unfortunately I didn't get an instant decision but a 30 day notification. Is that a bad sign? How can I check the status?