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Denied for Amazon prime Visa BUT..

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Established Member

Denied for Amazon prime Visa BUT..

I applied and was denied for the Amazon prime Visa. If I went back in and applied for just the Amazon prime card will it be a double hard pull? Is there a better chance of approval without the Visa logo?
Message 1 of 7
6 REPLIES 6
Valued Member

Re: Denied for Amazon prime Visa BUT..

The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think).  Recon the Chase denial.  I was denied for inquiries and new accounts and it was overturned on recon very quickly.  Why were you denied?  If it’s a 5/24 violation recon would not likely yield a good outcome.  

Message 2 of 7
Established Contributor

Re: Denied for Amazon prime Visa BUT..

Why were you denied? What are your scores?
Message 3 of 7
Moderator

Re: Denied for Amazon prime Visa BUT..

OP, if you apply for the Synchrony Amazon (non-Visa) version it will be another HP.

Reconsideration outcomes will vary and largely depend on why you were not approved to begin with.
Message 4 of 7
Frequent Contributor

Re: Denied for Amazon prime Visa BUT..


@charp150 wrote:

The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think).  Recon the Chase denial.  I was denied for inquiries and new accounts and it was overturned on recon very quickly.  Why were you denied?  If it’s a 5/24 violation recon would not likely yield a good outcome.  


I have heard conflicting reports if cobranded cards are subject t tge 5/24 rule.

Message 5 of 7
Regular Contributor

Re: Denied for Amazon prime Visa BUT..

OP, it will be two different hard pulls as the cards are issued by different banks. The Amazon Prime Visa is issued by Chase and the Amazon Prime Store Card is issuded by Syncrony bank.

Amex Gold: No pre-set spending limit

Chase Sapphire Reserve: 10k

Amazon Prime Store Credit Card: 4k

Citi American Airlines MileUp: 3.1k

Capital One Quicksilver One: 2.5k

Capital One SavorOne: 2k

Discover it Miles: 1.5k

AAdvantage Aviator Red: 3k

Chase Sapphire Preferred: 800

EX: 690 | EQ: 680 | TU: 677
Message 6 of 7
Moderator

Re: Denied for Amazon prime Visa BUT..


@Andypanda wrote:

@charp150 wrote:

The Amazon Visa is issued by Chase, the Amazon store card is another lender (Synchrony I think).  Recon the Chase denial.  I was denied for inquiries and new accounts and it was overturned on recon very quickly.  Why were you denied?  If it’s a 5/24 violation recon would not likely yield a good outcome.  


I have heard conflicting reports if cobranded cards are subject t tge 5/24 rule.


There's been recent reports and DPs (Reddit, DoC  etc.) that point to this restriction recently extended to their co-branded CCs that were not previously part of 5/24.

Message 7 of 7
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