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Chase Amazon Prime Visa - Surprise Approval

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Frequent Contributor

Chase Amazon Prime Visa - Surprise Approval

As part of my mini app-spree, I pulled the trigger on  Chase Amazon Prime card.

 

They pulled Experian. My Experian FICO 8 is 669 (I am assuming they use FICO 8 but please someone correct me if this is not the case).

 

I have a couple of $10,000 and $5000 cards. However, I also have some old chargeoffs, which is what's bringing my score down. My utilization is close to 0%.

 

Approved for $4000 and change.

 

Questions:

  1. Does Chase allow a recon for a higher starting limit?
  2. Should I try for any other Chase cards given my currently low FICO or would that be a stretch?
  3. How long should I wait beforoe requesting a CLI for this card? I do plan to use it quite a bit for Amazon purchases.

 

Thanks!!

Message 1 of 8
7 REPLIES 7
Super Contributor

Re: Chase Amazon Prime Visa - Surprise Approval

Congratulations on your approval!

 

1. You can ask but expect another HP

2. I wouldn't, build history for 6 months and try then. 

3. Personally, I'd give it at least three months of history. Expect a HP for it though. 






Message 2 of 8
Regular Contributor

Re: Chase Amazon Prime Visa - Surprise Approval

Congrats on the approval.

AAoA 7yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 20%
Mortgage
Auto Loan
Personal Loan
Derogatory: 2


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 7/2019
Message 3 of 8
Community Leader
Super Contributor

Re: Chase Amazon Prime Visa - Surprise Approval

CongratsSmiley Happy Whst Adkins saidSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 8
Established Member

Re: Chase Amazon Prime Visa - Surprise Approval

Congrats on the approval and SL!

 

As far as other Chase cards, on my Chase Amazon account site I have the ability to check to see if I pre-qualify for other Chase cards.    

Lowest Known Scores: EQ:548 TU:575 EX:574 March 2018
Starting Scores: EQ:688 TU:710 EX:706 September 2018
Current Scores (12/18/18): EQ:782 TU:798 EX:785 December 2018
Goal Score: 750 across the board by Jan 1, 2019


Take the myFICO Fitness Challenge
Message 5 of 8
Senior Contributor

Re: Chase Amazon Prime Visa - Surprise Approval

congrats


Message 6 of 8
Frequent Contributor

Re: Chase Amazon Prime Visa - Surprise Approval

Question on data points .. how many inq on Experian ?






Message 7 of 8
Frequent Contributor

Re: Chase Amazon Prime Visa - Surprise Approval


@VIPERLTDMYFICO wrote:

Question on data points .. how many inq on Experian ?


Good question-- it was actually just 1 inq on Experian at the time of the application.

 

Because of the old chargeoffs showing up on my Experian, for the last couple of years I tried my best to stay away from anything that had any chance of pulling Experian. 

 

Thanks!!

Message 8 of 8
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