@JRichzz wrote:Hi there! Pretty new in the credit game, so I have a pretty slim file, but I am really looking to get approved for the Amazon Prime CC as I do a lot of amazon spend (churning).
Current List Of Cards
- Cap1 QuickSilver AU (Opened 4 Years Ago)
- Cap1 Savor (Opened 6 Months Ago)
- Amex Gold (Opened 2 Months Ago)
I know chase usually likes to see 1 year of credit history, but I have seen posts about leninecy on the amazon card. What do you think? My scores on all bureaus are around 750. Thanks
try the pre-qualify tool on the amazon website
I got the Prime Visa one year ago to the day (almost). It looks like the INQ was a year ago tomorrow.
I do not recall my score at the time, but it was certainly lower than 750. I even had a 30 day late in the prior 12 months at the time. I have no idea whether Amazon spend enters the approval equation, but if it does, I am a heavy Amazon spender.
I am definitely not telling you that you are good for approval, but anecdotally I think the Prime Visa card has a lower barrier to entry than many other Chase cards.
As always, YMMV.
@JRichzz wrote:Do you know what your AOC was at the time?
You'll have to tell me what "AOC" means to you.
I had scores in the high 700s/low 800s, a much longer history than you, and was pre-approved for the Amazon card. Chase still denied me after they did a hard pull. Never even got a letter as to why. This was like the third crappy thing they pulled on me in a years time. Needless to say I am not a fan.
@Varsity_Lu wrote:I had scores in the high 700s/low 800s, a much longer history than you, and was pre-approved for the Amazon card. Chase still denied me after they did a hard pull. Never even got a letter as to why. This was like the third crappy thing they pulled on me in a years time. Needless to say I am not a fan.
As we all know, credit card approvals are much more than FICO scores. In the case of Chase, for example, recency and quantity of new credit lines has a "yes/no" relationship with approvals.
@Patient957 wrote:
@Varsity_Lu wrote:I had scores in the high 700s/low 800s, a much longer history than you, and was pre-approved for the Amazon card. Chase still denied me after they did a hard pull. Never even got a letter as to why. This was like the third crappy thing they pulled on me in a years time. Needless to say I am not a fan.
Wow, did you ever call and ask why? They're required to tell you.
I called and the rep said the reason line in the database was blank. She had never seen that before and said I needed to wait for the letter which would explain the reason. I never got a letter. Called back and was told the same thing again: wait for the letter. Never came.
In the end I am glad I didn't get the card because I ended up getting a BCE with no hard pull. I don't have Prime so the Amazon card was going to be 3% on Amazon only. BCE is 3% on all online shopping including Amazon, Walmart Pay, Home Depot app, etc. It's a much better card.