Chase Amazon Prime VS

Lurker22 · ‎08-15-2025

I have to say I'm shocked

History -

I burned Chase in a 13 back in 2017 (think north of $35K - can't remember)

I've had JPM as my primary bank for the last 25+ years and they do hold my IRA (they never messed with me during my 13)

I've written off ever getting back in with JPM for credit cards - at least anytime soon and their preapproval never shows anything

New CC's - Currently at 11/24

Fico 8 - 819

Today Amazon.com's preapproval came back positive so I pulled the trigger expecting a decline - approved with $10K limit!!!

I'm running out to by a lotto ticket now, the JPM gods have shined their faces on me today

Vinjints · ‎08-15-2025

Congratulations. Way to beat the odds with the previous BK and the Chase 5/24. Since browsing MF, I've realized that this card is even better than just the Amazon CB. Be sure to check out the secret offers sometimes seen in the MyBonus section.

NFCU OG Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Yasselife · ‎08-15-2025

Congratulations @Lurker22

Rebuild2019 · ‎08-15-2025

Congratulations @Lurker22 on your approval & SL with Chase.

CreditMagic7 · ‎08-15-2025

Congratulations

ocheosa · ‎08-15-2025

Congrats! Great Card!

Amazon smile.png

[7/26] Scores 8/9: 800s. Util: ≤ 1%. AoOA: 18.4y, AoYA: 7m. New Acct: 1/12, 2/24. Inq/12: EQ 0, EX 1, TU 0.
TCL $741K: Personal $600K, Business $141K.

user979797 · ‎08-15-2025

What a wonderful surprise and good SL congratulations on your approval 🎉🎉

>

AndySoCal · ‎08-15-2025

@Lurker22 Here is an article from Chase bank on bankruptcies.https://www.chase.com/personal/credit-cards/education/credit-score/how-bankruptcy-affects-your-score

Per Chase the average time for BK 13 on the credit report is 7 years. Iit is possible the BK has dropped from your credit report. The other positive factor is your 25 year banking relationship with Chase. If this was included in the underwriting decision is unknown.
Congrats on your approval!

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays

Lurker22 · ‎08-15-2025

@AndySoCal wrote:
@Lurker22 Here is an article from Chase bank on bankruptcies.https://www.chase.com/personal/credit-cards/education/credit-score/how-bankruptcy-affects-your-score

Per Chase the average time for BK 13 on the credit report is 7 years. Iit is possible the BK has dropped from your credit report. The other positive factor is your 25 year banking relationship with Chase. If this was included in the underwriting decision is unknown.
Congrats on your approval!

oh it dropped a long while ago so it's no longer on the reports but there's reports of JPM being like AmEx with a long memory, the other interesting thing is I'm no where near 5/24 - way over and I was still approved - I'm guessing that means Amazon is once again no longer using 5/24

FicoMike0 · ‎08-15-2025

Congratulations!

I just got prime at 5/24, I don't think they enforce it on cobrand.