Chase Amazon & Prime Day

[Anonymous]

Hey y’all!

I was just wondering, do y’all think that the Chase Amazon CC will have lower credit underwriting standards for this year’s Amazon Prime Day? 

I applied twice and got denied twice. Now that my inquiries are getting older and my aaoa is getting better, I was hoping to FINALLY get approved for my first Chase Card. 

I personally don’t think they will lower their standards, but I’m honestly not sure. 

Thanks in advance!

[Jnbmom]

I don't think chase will care about prime day

[Anonymous]

Looking at your data points, Chase probably wants to wait until you're a little more established. I'd try again in about 6 months. Have you tried Synch Amazon store card instead?

[FinStar]

Unfortunately, no. Folks tried last year thinking Chase lowered their UW standards only to learn not much changed, but on the upside it still remains outside of the 5/24 restriction for the time being.

As an alternative, and mentioned above, SYNCB has the store version.

[Pikaboo-icu]

Agree with the consensus. UW doesn't care about Amazon's Sales.. lol

I have the Amazon Prime card from Synch, mentioned by FinStar and it's a great card, if you shop on Amazon a lot.

I get 5% CB or financing with deferred interest for large purchases and I can choose which I prefer.

The limit grows quickly- I haven't a complaint about that card..

Good Luck.

CHEERS

[Anonymous]

OP has Amazon Prime store card, according to his info. That is Synch, isn’t it?
Amazon Prime Store 1800

[FinStar]

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@Anonymous wrote:
OP has Amazon Prime store card, according to his info. That is Synch, isn’t it?
Amazon Prime Store 1800

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Correct, Amazon store is by SYNCB.  I overlooked from the OP's signature while on mobile.

[Anonymous]

Thank you all for your responses!

Wishful thinking that Chase would want to capitalize on Prime Day.

Thanks for the datapoints. And yes, I do have an Amazon Store Card by Synchrony, but would love to get into Chase (no thanks to that pesky 5/24).

[austingal]

I just applied and was denied. I have no idea which bureau they pulled. My FICO 8 from TU is 780 according to the Discover app. My EQ is 748-ish according to Credit Karma (not accurate I know). EX should be lower than those because I still have 2 small medical collections that I am still wrestling with them to get removed.

What might have spooked them is that 3 of my 5 credit cards are new accounts within the past few months. Also I'm self-employed and have a modest income. I shouldn't have a ton of inquiries on my reports since my other 2 credit cards are about 2 years old now.

I really wanted the $70 off the $69.99 Fire 8 plus a case that I am buying. Oh well. Such is life.

[Anonymous]

I would call in to chase's recon number; I got denied for it, called in, talked about prime day and how I wasn't going to use the card for anythiing crazy other than buying something off amazon once a month or so and maybe some day to day expenses. Just be honest and go for it because they've already given you the inq.