Amazon store card denial

[Anonymous]

Despite my better judgement, being tired and Amazon bugging me about a $100 SUB each time I added something to the cart and on every_single_product_page decided to apply for the Amazon store card to get them to shutup. Figured it would be a denial and it was. 

650s FICO 8 I guess is too low for them with a limited history. They pulled TU which I only have 1 HP with. 

No other cards within my reach for quite some time that are appealing to me so nothing really that harmful. Don't think a extra HP is going to change matters too much. 

Will wait 6 months now and hopefully have a SP CLI on my WF card and try for a Chase Freedom. Reading here it's likely a auto denial regardless of your credit if it's younger than a year. 

On a postive note their begging has stopped now. 

[Anonymous]

Sorry to hear about the denial.  I agree that Chase would prefer to see a year of credit history before being approved.  People have been approved outside of the one year general guideline but there are far more that have been denied.

[Anonymous]

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@Anonymous wrote:

Sorry to hear about the denial.  I agree that Chase would prefer to see a year of credit history before being approved.  People have been approved outside of the one year general guideline but there are far more that have been denied.

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I wonder how many outside the 1 year ideal goal had checking accounts with them? 

[Raisondetre]

Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

[Meanmchine]

Sorry OP

With Synchrony bank, a denial today can easily mean yes next month

[Anonymous]

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@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

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It was the Amazon store card. Not the Chase Visa card. 

Wanted it manily for the SUB so no huge loss. 

[BallBounces]

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@Anonymous wrote:

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@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

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It was the Amazon store card. Not the Chase Visa card. 

Wanted it manily for the SUB so no huge loss. 

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@credit-user-19

What is your AAoA and your AoYA?

[Anonymous]

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@BallBounces wrote:

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@Anonymous wrote:

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@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

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It was the Amazon store card. Not the Chase Visa card. 

Wanted it manily for the SUB so no huge loss. 

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@credit-user-19

What is your AAoA and your AoYA?

WF card is 6 months old and the target is around 3 now. No other credit. 

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[BallBounces]

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@Anonymous wrote:

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@BallBounces wrote:

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@Anonymous wrote:

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@Raisondetre wrote:
Was this the store card through Synchrony or the Amazon Visa through Chase?

Chase is iffy when you have under a year of credit history. Sometimes they'll approve but it's rare. Synchrony can sometimes be iffy too, especially if you have a thin file with higher utilization or baddies on your credit. Score isn't everything when applying for a credit card, it depends on the whole file.

---

It was the Amazon store card. Not the Chase Visa card. 

Wanted it manily for the SUB so no huge loss. 

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@credit-user-19

What is your AAoA and your AoYA?

WF card is 6 months old and the target is around 3 now. No other credit. 

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Time to let things age again.  Your profile is brand new, it needs some time... 6months would be great.  9 months would be better.  Your scores and profile simly won't accomodate most approvals.  But time and on time payments will solve that!

[Anonymous]

They sent me these reasons for denial:

Most recently opened revolving account is too new
Oldest account was opened too recently
Total of credit limits and loan amounts is too low - Really? Figured it would be like a low $300 SL

First two make sense the last I don't understand. They looking for people with 5k limits or something?

Didn't figure Synchrony would be that picky for the store card but I guess they are. This probably nothing out of the ordnary. Guess the Target REDcard has a MUCH lower entry. That was approved only 3 months into my journey with a very thin file. 

Pulled a TU score of 640. Unsure if FICO 8 or 9.