Last July I applied, with the online prequalification, and received the 10-14 day wait, which ultimately was a denial due to age of oldest account and/or "insufficient accounts of sufficient age." Since then I added Amex BCP in November.
Today I finally retried Chase, I went through the Amazon portal to get the prequal again, got the prequal, which, again, didn't mean much last time, went through the app, and.....after an agonizing many seconds waiting for the application process, instant approval!!! That was a long many seconds.
One major difference in the prequal this year vs last year, is last year it prequaled at whatever the highest APR of the time was implying it was a very borderline prequal. This time it was 24.24% or something like that out of a max 27.something%, so I seemd to be much much more in the mid-tier approvals this time. Additionally it looks like they matched Citi, my highest CL, for the SL at $6900 with $5000 available before the card arrives. Matching my top CL is pretty nice!
I don't yet know which bureau(s) they pulled yet, will update whenever that shows in 1-3 days but it's likely EX.
My DPs:
Oldest card: 28mo
Mid: 15mo
Youngest: 7mo
Chase may count one less month for everything based on how they do dates which is why I waited to 7mo on youngest. They may see that as 6.
Scores: 741/751/759 (FICO8: EX/TU/EQ - LIKELY EX was pulled as it was last year.) Didn't check other scores, Chase uses their own anyway.
Inq 24mo : 4/1/0
Inq 12mo : 3/1/0 (as shows on report)
The Chase Amazon card is actually the very first card that I ever wanted after a life of rejecting the very idea of credit cards, years ago. Which led to applications to my own bank and a denial due to no credit history, and then an Amex "prequalified" mailer I apped not knowing anything, which of course was denied due to no history, and led me to then accept that I'd never have credit cards for many more years before recently getting started thanks to everyone here. It's taken a almost a decade to actually get around to getting it, and ended up getting that Amex after all before it, but I finally got it! A presume Siganture, as well, not that that means much, but feels good anyway. 
This also marks my first Visa, strangely enough, in many years, the original being a debit card circa 15 years ago before the bank changed to MC. Weird for Visa to end up being the last of the 4 neworks I have, but it's nice to have all 4 now!
I got the normal "dark" design. I like the light design better and it was tempting, but every other card in my wallet is some form of light blue with white lettering, so the dark one makes it a little different, and the blue text is the current Amazon tape and all so it fits.
Amazon used to advertize the Chase card in my account for years and years, but ever since I apped last year and was denied, I haven't seen one ad for it, just the store card, so a DP there, it doesn't mean anything if they're not advertising it in your account. Also, DP, Chase sent a mailer for Sapphire Preferred last week and is the first I've seen for them other than checking account ads in the past year. However they also send a Prererred ad shortly before the denial last year, and I'd never received any mailers from them prior. Not sure if it's a useful DP but worth a mention.
Thanks to all of you that have helped along the way for this one, especially @SouthJamaica and @Kforce !
I do have a question for those of you with the card. When they approve and they make it your default payment method in your account....should I be switching it back to another card until the card arrives since I don't actually have a way to make payments on it until I get the card? I see all the links for payments and logging into Chase but to create the Chase account you need to have an account number, which I don't have yet. I know a lot of you had other Chase products before getting the Amazon so you already had the account, but in my case, new Chase customer, so I don't see any way to create a web account until the physical card arrives, so it would seem like making charges on it prior would be a bad idea despite the courtesy of having most of the limit available instantly? Though they may push auto payments to it anyway.
Congrats on the Amazon Prime approval with that high starting limit!
Nice SL and approval, conratulations!
Soon after being approved,
@uncredited wrote:Last July I applied, with the online prequalification, and received the 10-14 day wait, which ultimately was a denial due to age of oldest account and/or "insufficient accounts of sufficient age." Since then I added Amex BCP in November.
Today I finally retried Chase, I went through the Amazon portal to get the prequal again, got the prequal, which, again, didn't mean much last time, went through the app, and.....after an agonizing many seconds waiting for the application process, instant approval!!! That was a long many seconds.
One major difference in the prequal this year vs last year, is last year it prequaled at whatever the highest APR of the time was implying it was a very borderline prequal. This time it was 24.24% or something like that out of a max 27.something%, so I seemd to be much much more in the mid-tier approvals this time. Additionally it looks like they matched Citi, my highest CL, for the SL at $6900 with $5000 available before the card arrives. Matching my top CL is pretty nice!
I don't yet know which bureau(s) they pulled yet, will update whenever that shows in 1-3 days but it's likely EX.
My DPs:
Oldest card: 28mo
Mid: 15mo
Youngest: 7mo
Chase may count one less month for everything based on how they do dates which is why I waited to 7mo on youngest. They may see that as 6.
Scores: 741/751/759 (FICO8: EX/TU/EQ - LIKELY EX was pulled as it was last year.) Didn't check other scores, Chase uses their own anyway.
Inq 24mo : 4/1/0
Inq 12mo : 3/1/0 (as shows on report)
The Chase Amazon card is actually the very first card that I ever wanted after a life of rejecting the very idea of credit cards, years ago. Which led to applications to my own bank and a denial due to no credit history, and then an Amex "prequalified" mailer I apped not knowing anything, which of course was denied due to no history, and led me to then accept that I'd never have credit cards for many more years before recently getting started thanks to everyone here. It's taken a almost a decade to actually get around to getting it, and ended up getting that Amex after all before it, but I finally got it! A presume Siganture, as well, not that that means much, but feels good anyway.
This also marks my first Visa, strangely enough, in many years, the original being a debit card circa 15 years ago before the bank changed to MC. Weird for Visa to end up being the last of the 4 neworks I have, but it's nice to have all 4 now!
I got the normal "dark" design. I like the light design better and it was tempting, but every other card in my wallet is some form of light blue with white lettering, so the dark one makes it a little different, and the blue text is the current Amazon tape and all so it fits.
Amazon used to advertize the Chase card in my account for years and years, but ever since I apped last year and was denied, I haven't seen one ad for it, just the store card, so a DP there, it doesn't mean anything if they're not advertising it in your account. Also, DP, Chase sent a mailer for Sapphire Preferred last week and is the first I've seen for them other than checking account ads in the past year. However they also send a Prererred ad shortly before the denial last year, and I'd never received any mailers from them prior. Not sure if it's a useful DP but worth a mention.
Thanks to all of you that have helped along the way for this one, especially @SouthJamaica and @Kforce !
I do have a question for those of you with the card. When they approve and they make it your default payment method in your account....should I be switching it back to another card until the card arrives since I don't actually have a way to make payments on it until I get the card? I see all the links for payments and logging into Chase but to create the Chase account you need to have an account number, which I don't have yet. I know a lot of you had other Chase products before getting the Amazon so you already had the account, but in my case, new Chase customer, so I don't see any way to create a web account until the physical card arrives, so it would seem like making charges on it prior would be a bad idea despite the courtesy of having most of the limit available instantly? Though they may push auto payments to it anyway.
After I was approved, they changed it to my default payment card. I went back and changed it again to a different card. They won't push auto payments unless you want to do that.
Congratulation on your Chase Amazon approval!
Congrats!
@uncredited wrote:Last July I applied, with the online prequalification, and received the 10-14 day wait, which ultimately was a denial due to age of oldest account and/or "insufficient accounts of sufficient age." Since then I added Amex BCP in November.
Today I finally retried Chase, I went through the Amazon portal to get the prequal again, got the prequal, which, again, didn't mean much last time, went through the app, and.....after an agonizing many seconds waiting for the application process, instant approval!!! That was a long many seconds.
One major difference in the prequal this year vs last year, is last year it prequaled at whatever the highest APR of the time was implying it was a very borderline prequal. This time it was 24.24% or something like that out of a max 27.something%, so I seemd to be much much more in the mid-tier approvals this time. Additionally it looks like they matched Citi, my highest CL, for the SL at $6900 with $5000 available before the card arrives. Matching my top CL is pretty nice!
I don't yet know which bureau(s) they pulled yet, will update whenever that shows in 1-3 days but it's likely EX.
My DPs:
Oldest card: 28mo
Mid: 15mo
Youngest: 7mo
Chase may count one less month for everything based on how they do dates which is why I waited to 7mo on youngest. They may see that as 6.
Scores: 741/751/759 (FICO8: EX/TU/EQ - LIKELY EX was pulled as it was last year.) Didn't check other scores, Chase uses their own anyway.
Inq 24mo : 4/1/0
Inq 12mo : 3/1/0 (as shows on report)
The Chase Amazon card is actually the very first card that I ever wanted after a life of rejecting the very idea of credit cards, years ago. Which led to applications to my own bank and a denial due to no credit history, and then an Amex "prequalified" mailer I apped not knowing anything, which of course was denied due to no history, and led me to then accept that I'd never have credit cards for many more years before recently getting started thanks to everyone here. It's taken a almost a decade to actually get around to getting it, and ended up getting that Amex after all before it, but I finally got it! A presume Siganture, as well, not that that means much, but feels good anyway.
This also marks my first Visa, strangely enough, in many years, the original being a debit card circa 15 years ago before the bank changed to MC. Weird for Visa to end up being the last of the 4 neworks I have, but it's nice to have all 4 now!
I got the normal "dark" design. I like the light design better and it was tempting, but every other card in my wallet is some form of light blue with white lettering, so the dark one makes it a little different, and the blue text is the current Amazon tape and all so it fits.
Amazon used to advertize the Chase card in my account for years and years, but ever since I apped last year and was denied, I haven't seen one ad for it, just the store card, so a DP there, it doesn't mean anything if they're not advertising it in your account. Also, DP, Chase sent a mailer for Sapphire Preferred last week and is the first I've seen for them other than checking account ads in the past year. However they also send a Prererred ad shortly before the denial last year, and I'd never received any mailers from them prior. Not sure if it's a useful DP but worth a mention.
Thanks to all of you that have helped along the way for this one, especially @SouthJamaica and @Kforce !
I do have a question for those of you with the card. When they approve and they make it your default payment method in your account....should I be switching it back to another card until the card arrives since I don't actually have a way to make payments on it until I get the card? I see all the links for payments and logging into Chase but to create the Chase account you need to have an account number, which I don't have yet. I know a lot of you had other Chase products before getting the Amazon so you already had the account, but in my case, new Chase customer, so I don't see any way to create a web account until the physical card arrives, so it would seem like making charges on it prior would be a bad idea despite the courtesy of having most of the limit available instantly? Though they may push auto payments to it anyway.
Congratulations @uncredited I'm very happy for you. Rarely have I seen someone who so clearly knew which credit card they wanted, and why.
Thanks for all the data points; that will be very helpful to others looking for this card.
I don't really know the answer to your question about whether to start using the card now, but certainly there's no reason to remove it as your default card, since on every purchase you are given a choice as to whether to use the default payment method or another.
I guess you're right to wait on making purchases until you know the account number, since without that you can't really make payments.
I don't think it will take too long for you to get the card. Probably a week.
