Amazon Prime Rewards Visa Signature Card

[Gmood1]

That's about normal. You can call the status line. I'd look for an approval email sometime this week.
They also do verifications from time to time. They'll send you a letter requesting you to call. You can skip that by just contacting them first.

[Anonymous]

I would say GO FOR IT. I apped online back in march with scores much lower than yours and about the same AAoA. The Amazon card is pretty easy to get compared to other chase products it also doesnt fall under the 5/24 rule. I initally got the 30 day message called in a few hours later and got 7-10 day message. Called recon and after answering some recon questions was approved for $4k

[LavishSpending]

30 days is often an approval. I just posted about my case and went through this with a 30 day and ended up getting approved. It may be that they're looking at it manually and don't need any more info, or sometimes some verification is needed. It varies. There are some cases out there the past few years where people are concluding to leave Chase alone and let them do their thing on the 30 days notice. It's what I decided to do as opposed to calling recon right away.

If you have a Chase account, you can log in to see of the card shows up. Others and I have found the card showing up online before any the mail arrives. Another way to check is if you have the Amazon bonus gift card loaded. Both online checks seem to happen very quickly once it's finally approved. At least in my case, I also receive an email above the approval. It was some days later before I received the letter and card. One nice feature is the Amazon card can be activated from the email right way with Amazon.com.

The other thing you can do is find the current Chase application status number and call in. Enter your social security number, and listen to the message. If you are going with the above path of leaving Chase be, don't press to talk to anyone, or even hang up if it auto transfers (it shouldn't, but I saw some cases of that happening.) If you find the message changes to 7 days, then you may want to try recon. Otherwise wait it out. Mine took 13 days before approval.

[Anonymous]

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@Anonymous wrote:

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@AverageJoesCredit wrote:
Dont worry about your salary thats fine. I say if you dont mind the hp and you want it shoot for it Its only a hp. Sure lowering your utiliization is ideal but if you cant right now and you are ok with a possible denial, go for it, you might get suprised. Best of luck

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Thanks. How would a denial impact my score now and in the long run? How about applications in the future?

I'd rather not have a denial...because I assume it just doesn't look good and will make things even harder in the future, no? 

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@Anonymous wrote:
I did it two weeks ago. I just put in the application. I have lots of new applications for travel hacks- lots over 10. Credit score is about 771. It took them two weeks to respond and I didn't get an instant response.
I waited and then an email popped up saying I got approved for 9k and a 70.00 credit in my Amazon account.

In my opinion. I would get maybe one or two cards, possibly from AmEx to get that utilization down. The more credit line you have the less it will be. Not saying to go apply for a ton of stuff. Just one or two.

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Thanks for your input! But, 771 is quite different story than 710-720 And any new CC will have hard pulls which eventually will negatively affect mt CS. 

I think I have 1 HP still affecting my score (Barcleycard, which I applied to in 11/16). The other two (FBC and Car loan) should have fallen off, but still how up on my report (<24 months, but >12 months). However, I did have an automatic CL increase for my FBC earlier this year and I assume they pulled the CS?

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Your one HP is probably affecting your score 3-5 points, and after 12 months, ZERO points. Don't worry about inquiries. Everyone's profiles are different. But I have great success with very high starting line credit cards with 22 INQ on Experian and over 20 INQUIRIES on TU.

Stop worrying about inquiries.

[Anonymous]

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@BurgeoningHope wrote:

This is one of those times where the Shopping Cart Trick (SCT) might be worth doing, just to pull your util down.

The steps are everywhere on the web, an on this board, and the details are important. But as an overview, you go to one of a number of stores that have Comenity as the bank running their store card. Make sure you allow popups on the site. Poke around the site for a while, put some stuff in your shopping cart, then head for the checkout.

At some point during the process, with your scores you may well get a popup congratulating you on your preapproved store card. Go ahead and do the signup process, and enjoy your new larger overall credit line, no hard pull against your CR! You don't actually have to buy the thing/s in your shopping cart.

Again, the details are important. Don't do it until you've done some reading.

Choose your store/s carefully. Overstock.com famously gives monster lines relative to the others and that was certainly the case for me. I got north of $4k from them, and $750 from a clothing store. Some people go nuts and try to do all the stores. There are dangers in doing that. But doing one or two really helped me out.

Then I recommend either sock-drawering the cards, or gently using them to work on your payment history. Just keep their util low, and they'll help pull down those other utils you have, all without hard pulls.

Chase is fairly conservative, but I got my Amazon Visa a couple of weeks ago with an AAoA of 4 months and scores similar to yours, but my util is 8%.

Good luck!

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Don't teach the OP how to get into toy limit hell which will make it so much harder to get much more attractive cards in the future. And the SCT can very well be HP's. 

It's not worth a HP for a $250 CL.

[Anonymous]

donny I totally agree. The SCT imo has hurt a lot of newbs. At first it's fun and easy and after a year or so many regret doing it. It puts them in that undesirable "bucket" that's hard to break away from. Once you're there you can forget about getting decent starting limits. That's why we call it STORE CARD HELL.

[BurgeoningHope]

It can certainly end up there - that's why I said "choose your stores carefully" and recommended against opening a flock of them, and I'm pretty sure I gave the impression that the SCT was not usually a good thing, and that much research needed to be done in order to decide if your personal situation amounts to an edge case where it might do some good. I stand by that, and "research research, research!" is a condition for everything I might recommend, especially this.

I had a single Cap1 Platinum card with a near-toy limit of $1K in July. Subsequent to my mini SCT spree (two cards in two months, one with a $750 toy limit and the other with $4500) my BofA AAA card opened with a $5k limit. It's not the $25k others post, but it's not a toy limit either, and it's not bad for AAoA of 3 mos and scores in 675-ish land at the time I applied for it. That Cap1 card is now a PC'd QS at $2500. 

The SCT trick has done its job for me. YMMV, and often does. Again, research the pros and cons of every option.

[Anonymous]

I got a card using the SCT. No HP, but EQ dinged me for opening a store card.

[Anonymous]

Hi there,

I recently applied for the Amazon Visa Rewards card and I got a message stating that they will get back to me in 30 days?  Does anyone know or have history on what this means?  Is this a denial?  I haven't received an email about it yet - but it's only been about a few hours.  Should I expect this to be a decline?  My other credit card is a CO Platimum.  Any help would be great!

[UncleB]

This thread is closed to new messages.

The new thread can be found here: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amazon-Prime-Rewards-Visa-Signature-Card-Upda...

--UB