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Chase Amazon Prime Visa - Yet Again!

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AverageJoesCredit
Legendary Contributor

Re: Chase Amazon Prime Visa - Yet Again!

Lol, UncleB, i almost called this a FOTM card only because it seemed a flood was about to open but this just isnt true. Amazon has a huge following whether you have the Sync card or the Chase. This is just a natural improvement over the previous version. Its bound to have many takers only real question whats your favorite flavor......of AmazonSmiley Happy
Message 21 of 82
UncleB
Credit Mentor

Re: Chase Amazon Prime Visa - Yet Again!


@AverageJoesCredit wrote:
Lol, UncleB, i almost called this a FOTM card only because it seemed a flood was about to open but this just isnt true. Amazon has a huge following whether you have the Sync card or the Chase. This is just a natural improvement over the previous version. Its bound to have many takers only real question whats your favorite flavor......of AmazonSmiley Happy

I couldn't agree more!  Smiley Happy

 

I think there will be a general 'rush' for a while, then it will slow down somewhat but being what it is it won't ever 'go away'... there's always been value in an Amazon card, and now there's even more - it will always "draw a crowd".  Smiley Wink

Message 22 of 82
sjt
Senior Contributor

Re: Chase Amazon Prime Visa - Yet Again!


@UncleB wrote:

Hello friends!

 

I almost didn't post this, but I changed my mind since I feel the data points might be useful to somebody.  After this I'm done - seriously - and I admit that this approval indicates a need to be done as well.

 

With that said, I went for the Amazon Prime Visa and was approved for $500, APR 14.74%Smiley Very Happy

 

I know, the SL is a bit humorous, but my EQ is down a bit due to inquiries (to be expected) so a low SL wasn't totally unexpected, although I admit I was hoping for a bit better.  Since my installment loans have stopped reporting on EQ - which is what Chase pulled - my EQ is down quite a bit from the other two anyway, and now with the recent new accounts/inquiries it's just piled on.  (Chase might have pulled EX as well, but I don't have a way to check for a few more days).

 

But all is not lost... I have an Chase IHG MasterCard that was my stepping stone back into Chase, and the credit line on it is $9k.  Since it goes virtually unused I plan to move a significant part of its credit line to the Amazon Visa, so I'll end up where I wanted to be, anyway, and with a good APR.  Smiley Very Happy

 

So here are my data points:  EQ is in the 690s (EX is 765, TU is 792) - all FICO 8 scores.  EQ has been around 30-40 points lower than the other two for a while, but the HPs and new accounts have made an impact.  Total HPs on EQ is nine, including the one done today.  Also, as I've mentioned before my income is modest, so that's likely holding me back as well.  (My USAA Limitless approval was also based on EQ, and it also reflected the lower EQ score.)

 

It's notable that while my IHG had to go to review, today the Amazon Visa was instantly approved, so perhaps that's a good sign (I had an old CO account with WAMU/Chase from years ago that I suspected would make all future apps go to manual review).  Oddly, had this app gone to review I might have gotten a better SL, but that's OK... I got my foot in the door and I can move over as much CL as I need.  Smiley Wink

 

I'm tempted to wait it out, though, and use the card hard for a few months to see if they will give me an auto-CLI, but if they gave me $300 (or similar) the weird number would drive me crazy so perhaps that's not the best idea after all...LOL. 

 

Again, this post/thread is really intended to provide data points to others who might be on the 'cusp' as I was... it's not quite a 'celebration', although I am happy to be approved.  (Please be gentle...)

 

Thanks!  Smiley Very Happy


Congrats! 

 

Im surprised with the SL, Have you tried to recon for a higher line.

 

Im wondering if they have different approval criteria with some of their co-branded cards.

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 23 of 82
sjt
Senior Contributor

Re: Chase Amazon Prime Visa - Yet Again!

I just saw that the cards are Visa Siggy and there is no FTF!

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 24 of 82
Discover2016
Valued Contributor

Re: Chase Amazon Prime Visa - Yet Again!

Awesome way to go! I was just reading the reviews on this card and I am considering it, I am gardening so it's a tough choice. That is what I like about Chase, they they make it so easy to move limits around. On a related note, did you get a pop up for the Amex installment loan?

Gardening until September 2025
Next app: Mortgage in September 2025
FICO 08 Experian 810
Message 25 of 82
Saleen099
Senior Contributor

Re: Chase Amazon Prime Visa - Yet Again!

IMG_1141.JPG

Message 26 of 82
Aduke1122
Senior Contributor

Re: Chase Amazon Prime Visa - Yet Again!

Congrats UncleB you will get that card whereyou want it to be in no time !!
Message 27 of 82
Anonymous
Not applicable

Re: Chase Amazon Prime Visa - Yet Again!

Congrats uncleB that's a great APR. how did you ad the screenshot photo to your post ?
Message 28 of 82
Anonymous
Not applicable

Re: Chase Amazon Prime Visa - Yet Again!

Congrats! It's a great card to have-especially now with the 5%, no FTF, and a metal card is kind of kick a@@ too.
Message 29 of 82
UncleB
Credit Mentor

Re: Chase Amazon Prime Visa - Yet Again!


@sjt wrote:

@UncleB wrote:

Hello friends!

 

I almost didn't post this, but I changed my mind since I feel the data points might be useful to somebody.  After this I'm done - seriously - and I admit that this approval indicates a need to be done as well.

 

With that said, I went for the Amazon Prime Visa and was approved for $500, APR 14.74%Smiley Very Happy

 

I know, the SL is a bit humorous, but my EQ is down a bit due to inquiries (to be expected) so a low SL wasn't totally unexpected, although I admit I was hoping for a bit better.  Since my installment loans have stopped reporting on EQ - which is what Chase pulled - my EQ is down quite a bit from the other two anyway, and now with the recent new accounts/inquiries it's just piled on.  (Chase might have pulled EX as well, but I don't have a way to check for a few more days).

 

But all is not lost... I have an Chase IHG MasterCard that was my stepping stone back into Chase, and the credit line on it is $9k.  Since it goes virtually unused I plan to move a significant part of its credit line to the Amazon Visa, so I'll end up where I wanted to be, anyway, and with a good APR.  Smiley Very Happy

 

So here are my data points:  EQ is in the 690s (EX is 765, TU is 792) - all FICO 8 scores.  EQ has been around 30-40 points lower than the other two for a while, but the HPs and new accounts have made an impact.  Total HPs on EQ is nine, including the one done today.  Also, as I've mentioned before my income is modest, so that's likely holding me back as well.  (My USAA Limitless approval was also based on EQ, and it also reflected the lower EQ score.)

 

It's notable that while my IHG had to go to review, today the Amazon Visa was instantly approved, so perhaps that's a good sign (I had an old CO account with WAMU/Chase from years ago that I suspected would make all future apps go to manual review).  Oddly, had this app gone to review I might have gotten a better SL, but that's OK... I got my foot in the door and I can move over as much CL as I need.  Smiley Wink

 

I'm tempted to wait it out, though, and use the card hard for a few months to see if they will give me an auto-CLI, but if they gave me $300 (or similar) the weird number would drive me crazy so perhaps that's not the best idea after all...LOL. 

 

Again, this post/thread is really intended to provide data points to others who might be on the 'cusp' as I was... it's not quite a 'celebration', although I am happy to be approved.  (Please be gentle...)

 

Thanks!  Smiley Very Happy


Congrats! 

 

Im surprised with the SL, Have you tried to recon for a higher line.

 

Im wondering if they have different approval criteria with some of their co-branded cards.

 


Thanks so much!  Smiley Very Happy

 

I'm not going to bother with a recon... I have an IHG with $9k that hasn't been used in months... this is the perfect opportunity to put some of that credit line to good use! 

 

I think in this case my EQ taking a dip is what caused the problem... no worries, though... it got me where I was needing to go!  Smiley Wink

 

Thanks again!  Smiley Very Happy

Message 30 of 82
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