Amazon Store Card...Just How Easy Is It To Get?

[ocdcreditmonkey]

Does anyone know if you can get approved for this card without a FICO score at all? I am not generating a FICO score yet and will likely not have one until approximately the first week of January 2019 (maybe a little later). I have only 3 full months of credit history reporting today (4 by end of October) and as of today my Fakos are EQ: 618, EX: 610 & TU: 620.
I keep seeing people say they were able to get a few store cards to establish credit history prior to having a FICO score, but I am wary of applying if I have no shot. Any advice or recommendations? I use Amazon ALL the time, so that is a no brainer and I do not want a store card I won't actually use, but if someone has any insight I would appreciate a way in to an unsecured store card if there is one. Thanks!

[Anonymous]

if it were me i would wait til you generate a fico score

[Anonymous]

I agree. I would wait. I was only just approved after applying three times this year. I took a chance and applied because my TU score went up significantly and the prior two times I applied, they pulled TU. Wouldn't ya know it...this time they pulled Experian, which has always been my lowest score, even lower than what TU was the last two times I applied. For some reason they approved me for both the Visa ($1500 CL) and the store card ($1200). I'm disappointed with the Visa CL. It's my lowest now, but hopefully they will give me a CLI in due time. 

That said, I thought there was more rhyme and reason to Amazon, but given my recent approval after they pulled my lowest score after denying me twice before with a higher score, I think wait it out and get the card on one score pull instead of three like me. I will mention the big upside is I got two Amazon gift certificates: one for $60 for applying for one card and one for $70 for applying for the other card. Whoo!

Good Luck!

[Anonymous]

When I applied for an Amazon store card, I did so with three bad charged-off accounts (less than three years old) on my account, and a C1 Platinum Secured card with a $500 limit, Fako scores sitting around 620. They instantly approved me for $600 (granted a CLI request to $2k about a year later). 

I didn't bother applying for the Visa, since Chase was one of the banks I burned. 

[ocdcreditmonkey]

Thanks for the reply. Can you tell me what bureau they pulled? If I go for it, I am hoping to make sure it is my highest and I am expecting a bump this week to all of them.

[AverageJoesCredit]

Sync usually pulls TU but can pull EX. They may even pull Eq but that is very rare.

[FinStar]

OP, as mentioned above by @AverageJoesCredit, be prepared for either a TU or EX pull.