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Amazon Prime Visa Approved w/ Limited Credit History!

Meepalicious
New Member

Amazon Prime Visa Approved w/ Limited Credit History!

Hey everyone,

 

Just wanted to share a surprising approval for a credit card. I'm an 18 year old college student and have spent a lot of time reading the posts on these forums. I just recently applied for an Amazon Prime Visa Signature credit card today, and kind of expected a denial after hearing how Chase likes to see at least one year of credit history first with other banks. To my surprise, however, I was instantly approved with a starting limit of $1,500!

 

I have only six months of credit history (not AU), with the following cards:

Wells Fargo College Cash Back - 6/18 ($900, CL to $1,400)

BofA Travel Rewards Visa - 7/18 ($1,500, CL to $1,900)

 

I'm also an AU for two of my mom's credit cards with Chase, one that is a year old and the other 10 years.

 

I still don't know what is it that helped me get my approval, but I do have a checking and savings account with Chase.

 

Just wanted to share my success here, and say thanks for the help as well!

 

P.S. It says that I was approved for a Amazon Prime Visa Signature card, but I'm pretty sure all Visa Signatures have a $5,000 minimum limit. Will I be getting a regular Visa then?

Message 1 of 12
11 REPLIES 11
joshmga
Valued Member

Re: Amazon Prime Visa Approved w/ Limited Credit History!

First of all congratulations, welcome to the 18 y/o club. I have stated on many occasions that Chase's approval methods seem to be situational and not based directly on your credit history, I'm sure it helped that you were an AU on cards issued by their institution with a good payment history. Second of all, I have never been issued a Visa Signature with a limit below $5,000 but stranger things have happened. You'll just have to wait to get your shiny new card in the mail to see the badge in the lower right corner. Keep us posted and keep up the amazing work!





Message 2 of 12
_NERD
Established Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Outstanding. Congrats. 


3B profile optimization in progress...
Message 3 of 12
Saeren
Mega Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congrats!

The Amazon card is a bit of an outlier. Even if it’s a $500 SL, it’s a Visa Signature. Smiley Happy




Message 4 of 12
xaximus
Valued Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congrats on the approval! I would definitely chill in the garden for a bit and let your accounts age for some time. Spend wisely and be smart with your finances. You have a great start!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 12
sjt
Senior Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congrats!

 

All Chase Amazon cards are Siggys.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 6 of 12
19eighty5
Senior Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 12
TyRacing
Frequent Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congrats!

 

Looks like not all Visa Signature are 5K SCL. got my USB Cash+ VS with 2K SCL.

 

To get this Chase Amazon Prime Visa, do you need the annual prime membership or the monthly membership would do?

Have the Following:



CashBack Cards Goals: Citi Rewards+

Status: Doing my Homework before I App

Note to Self: Focus on the Abundance of Love and you shall have more!

Message 8 of 12
stonedog23
Frequent Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Those of us with US Bank signatures know very well that signatures come in approvals well under 5K, try $500. 

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($24,600), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700), NFCU CashRewards Sig($15,000), Comenity MC ($12,000), Walmart MC ($8000), Wells Fargo CashWise Sig($7000), Amex BCE($6000), Amex ED($6600), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), US Bank Cash+ ($2500), US Bank Cash+ ($1,000), Overstock($13,350), Dell($3000), WF mortgage 195K Fico 8: EQ 707, TU 716, EX 723, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 9 of 12
VoltronM
Senior Contributor

Re: Amazon Prime Visa Approved w/ Limited Credit History!

Congrats on your approval !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 10 of 12
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