Re: Amazon Store Card Approved!

SuperFlyEDSguy · ‎08-19-2022

I decided to try my luck at the Amazon Prime Store Card as the 5% Cashback really adds up!

When deciding whether I would try for this card or the Visa Signature, it came down to the preapproval as I got preapproved each time for the Store Card, however the Visa Signature card would not find my credit profile when attempting to preapprove. Too risky!

Additionally, I am pushing it with HPs as I've used countless HPs to rebuild over the past couple of years. Though some of my numbers are insane, I was able to go from a Capital One Platinum to an AMEX Gold Card in those 24-months — so it was worth it — now to the garden!!!

I am satisfied that I made the safer choice at this particular juncture!

My approval particulars:

Starting Credit Line... $2.5K

Amazon Gift Card Bonus... $60

Annual Fee... $0

APR... 26.24%(v)

Datapoints:

FICO8: EX: 667 TU: 710 EQ: 695

Total Inquiries: EX: 15 TU: 22 EQ: 7
AAoA: 2-Years, 4-Months

Oldest: 17-Years Student Loan (PAID)
Approved? Yup!
Credit Limit: $2,500

Derogatories: BK7, 5.5 Years Ago, Discharged. NO Delinquents.
Last Late: 6+ Years Ago

Times Late in Last 7 Years: 2

Utilization: ~8%

New Accounts, Past 12-Months: 9, including this card

Total Number of Accounts: 20 Open, 6 Closed

That about sums it up! Now, seriously, off to the garden!

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

nytokyobred79 · ‎08-19-2022

@SuperFlyEDSguy Congratulations on your Amazon Store card approval 😊

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

CreditAggie · ‎08-20-2022

Congratulations on your Amazon Store Card approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

KingRue8500 · ‎08-21-2022

Congrats on your Amazon Store Card approval

outofcredit · ‎08-21-2022

@SuperFlyEDSguy, congrats on your Amazon store card. I love my Amazon card, I use it at least a couple times a week. I think I love it too much Enjoy the 5% rewards, special financing etc. Just don't enjoy it too much...it's addictive!

Instead of waiting for the storm to pass, I've learned to dance in the rain.

SDMarik · ‎08-21-2022

Congrats on the Amazon store card approval! That 5% definately adds up!

"When prosperity comes, do not use all of it"

ElizabethKate · ‎08-21-2022

Well done! 👏🏼🤩

Gosh, you're so thorough in providing all your DPs and your journey, you can really see how committed you are. Really appreciate you sharing all the info 🙏🏼

Starting Score: 615
Current Score: Exp: 763 {FICO 8} TU: 706 {FICO 8} EQ: 723 {VS 3.0}
Goal Score: 800

cashorcharge · ‎08-21-2022

WooHoo!! Congratulations on your Amazon Approval!!👏🏼🍾🥂

SuperFlyEDSguy · ‎08-22-2022

@outofcredit Shopping at Amazon is addictive, super convenient, but highly addictive! We use Prime for just about everything since 80% of the stuff we need will be here the next day, 15% in two days, and only the remaining 5% in three or rarely more days! By the time we would be able to take a trip to Walmart or Target locally, it's likely to already be here with Amazon. I mean we have Walmart and Target cards too, but Amazon gets the bulk of our shopping!

BTW, I'm so hyper-focused on rewards that I almost forgot about the special financing option! That'll go a long way once the holidays roll around! You're right, I will need to exercise some serious restraint and discretion with this card! 😂

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

SuperFlyEDSguy · ‎08-22-2022

@SDMarik The conspicuously placed reminder that constantly tells me how much "[I] would have saved... with the 5% Cashback!" was very likely the deciding factor! It was pretty close to $400 and we still have four months left to the year!!!

Open Accounts: AMEX Platinum Card: NPSL • AMEX Gold Card: NPSL • PayPal Cashback World Mastercard: $24K • NFCU More Rewards AMEX: $23K • NFCU Platinum Visa: $23K • NFCU Visa Signature Flagship Rewards Card: $20K • Fidelity Rewards Visa Signature Card: $15K • Bread 2% Cashback AMEX: $11,650 • U.S. Bank Altitude Go Visa Signature Card: $10K • Verizon Visa Signature Card: $10K • Amazon Prime Store Card (Synchrony Bank): $10K • Discover it Miles: $9.5K • AAA Visa Signature (Daily Advantage) Card: $6.7K • Discover it Cash Back: $6.5K • Target Circle Mastercard (AU): $6K • PayPal Credit (Synchrony Bank): $5,650 • Dell Pay Credit: $5.5K • Truist Bank Future Visa Card: $5K • My GM Rewards Mastercard: $4.5K • GS Apple Card: $3,250 • Capital One Savor Mastercard: $3.1K • AMEX Blue Cash Preferred (BCP): $3K • Kohl’s Card: $3K • Merrick Bank Double Your Line MasterCard: $2.5K • AMEX Blue Cash Everyday (BCE): $1.3K • AMEX Delta SkyMiles Blue Card: 1.1K

Open Loans: BestEgg Personal Loan (Signature): $22,000 @ 16.15% • Capital One Auto Loan: $9,358 @ 9.78%

Closed Accounts: Target RedCard (Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue) Various PCs • Walmart Rewards Mastercard (EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard (APR hit 34.24%! Ouch!) • Tomo Visa Signature Card (Low SL/CL, High APR!) • Ollo Platinum MasterCard (Subprime, Low SL/CL, High APR!) • Upgrade Card (Low SL/CL, High APR!) • Aspire MasterCard (Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne) (Buckets!!!)

“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.

Amazon Store Card Approved!

Get your FICO® Score for free

Amazon Store Card Approved!