Amazon Denial

[Anonymous]

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@CreditCrusader wrote:

Wow..interesting..GEMB gave me $800 CareCredit, but then again my credit profile is the polar opposite of yours: Lots of good history, but a BIG baddie (BK7 2009). I have no idea if they would approve me with my scores and profile.

Here's the thing about inquiries...if you have ulta low util, pay on time, and have a nice mix of good credit, I really don't think they hinder you terribly. Usually when denials include inquiries as a reason they have another baddie attached

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I think my util is 12%, actually - so it's not as high as I thought. It was supposed to be 3%, but since I changed the billing date on a Cap One card, the statement got pushed back another 30 days so that won't update until December. And I had an interest charge sneak in on another card so it wasn't a 0 balance update either.

I think, realistically, after you get enough inquiries it probably stops hurting you more. I mean once you're at 10+, they probably don't care if you have 11 or 15, either way you have a lot.

Since they approved me for this, I'm tempted to apply for the Walmart card so I can get the TU updates. And sometimes, rarely, I guess I do shop at Walmart anyway.

[CreditCrusader]

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@Anonymous wrote:

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@CreditCrusader wrote:

Wow..interesting..GEMB gave me $800 CareCredit, but then again my credit profile is the polar opposite of yours: Lots of good history, but a BIG baddie (BK7 2009). I have no idea if they would approve me with my scores and profile.

Here's the thing about inquiries...if you have ulta low util, pay on time, and have a nice mix of good credit, I really don't think they hinder you terribly. Usually when denials include inquiries as a reason they have another baddie attached

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I think my util is 12%, actually - so it's not as high as I thought. It was supposed to be 3%, but since I changed the billing date on a Cap One card, the statement got pushed back another 30 days so that won't update until December. And I had an interest charge sneak in on another card so it wasn't a 0 balance update either.

I think, realistically, after you get enough inquiries it probably stops hurting you more. I mean once you're at 10+, they probably don't care if you have 11 or 15, either way you have a lot.

Since they approved me for this, I'm tempted to apply for the Walmart card so I can get the TU updates. And sometimes, rarely, I guess I do shop at Walmart anyway.

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Ooh...I have the Wal-Mart card...with the store card you can get up to $60 cash back with no additional fee in addition to the free TU FICO...it's a good product.

[Juan123]

after reading this, i went to amazon and applied for the card.... surprisingly i was approved for $700 ^_^ i have good luck with GEMB.

anyone know if later on is it possible they'd change it to the visa card?

[Anonymous]

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@Juan123 wrote:

after reading this, i went to amazon and applied for the card.... surprisingly i was approved for $700 ^_^ i have good luck with GEMB.

anyone know if later on is it possible they'd change it to the visa card?

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Their Visa card is issued through Chase. You would have to reapply when your ready. 

[Anonymous]

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@Anonymous wrote:

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@Juan123 wrote:

after reading this, i went to amazon and applied for the card.... surprisingly i was approved for $700 ^_^ i have good luck with GEMB.

anyone know if later on is it possible they'd change it to the visa card?

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Their Visa card is issued through Chase. You would have to reapply when your ready. 

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Yep, this is correct. Store card is GE, Visa is Chase. Since it's Chase and it's a Visa card, it has higher requirements. When I applied and was denied and tried to recon, they weren't helpful at all. Sounds like either I had bad luck, or the requirements are pretty strict.

[bichonmom]

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@CreditCrusader wrote:

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@Anonymous wrote:

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@CreditCrusader wrote:

Wow..interesting..GEMB gave me $800 CareCredit, but then again my credit profile is the polar opposite of yours: Lots of good history, but a BIG baddie (BK7 2009). I have no idea if they would approve me with my scores and profile.

Here's the thing about inquiries...if you have ulta low util, pay on time, and have a nice mix of good credit, I really don't think they hinder you terribly. Usually when denials include inquiries as a reason they have another baddie attached

---

I think my util is 12%, actually - so it's not as high as I thought. It was supposed to be 3%, but since I changed the billing date on a Cap One card, the statement got pushed back another 30 days so that won't update until December. And I had an interest charge sneak in on another card so it wasn't a 0 balance update either.

I think, realistically, after you get enough inquiries it probably stops hurting you more. I mean once you're at 10+, they probably don't care if you have 11 or 15, either way you have a lot.

Since they approved me for this, I'm tempted to apply for the Walmart card so I can get the TU updates. And sometimes, rarely, I guess I do shop at Walmart anyway.

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Ooh...I have the Wal-Mart card...with the store card you can get up to $60 cash back with no additional fee in addition to the free TU FICO...it's a good product.

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I just got this card today and didn't see anything about $60 cash back. It looks like the Walmart Discover card w/give you 1%, but not the store card. I'm curious how to get the $60 back. Do tell.

[LS2982]

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@bichonmom wrote:

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@CreditCrusader wrote:

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@Anonymous wrote:

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@CreditCrusader wrote:

Wow..interesting..GEMB gave me $800 CareCredit, but then again my credit profile is the polar opposite of yours: Lots of good history, but a BIG baddie (BK7 2009). I have no idea if they would approve me with my scores and profile.

Here's the thing about inquiries...if you have ulta low util, pay on time, and have a nice mix of good credit, I really don't think they hinder you terribly. Usually when denials include inquiries as a reason they have another baddie attached

---

I think my util is 12%, actually - so it's not as high as I thought. It was supposed to be 3%, but since I changed the billing date on a Cap One card, the statement got pushed back another 30 days so that won't update until December. And I had an interest charge sneak in on another card so it wasn't a 0 balance update either.

I think, realistically, after you get enough inquiries it probably stops hurting you more. I mean once you're at 10+, they probably don't care if you have 11 or 15, either way you have a lot.

Since they approved me for this, I'm tempted to apply for the Walmart card so I can get the TU updates. And sometimes, rarely, I guess I do shop at Walmart anyway.

---

Ooh...I have the Wal-Mart card...with the store card you can get up to $60 cash back with no additional fee in addition to the free TU FICO...it's a good product.

---

I just got this card today and didn't see anything about $60 cash back. It looks like the Walmart Discover card w/give you 1%, but not the store card. I'm curious how to get the $60 back. Do tell.

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If you have the Walmart store card, you are eligible to get up to $60 cash back at the registers limit once per day. It will count as a purchase on your statement not a cash advance.

[bichonmom]

Oh! I get it. I thought that it was like rewards. But it's like cash back at the grocery store. Only you're saying that it wouldn't be a cash advance; it would be a regular charge. Good to know. Though w/ a meager $300 CL, can't see using it.

[scooterx]

Just wanted to let people know i applied for Amazon Visa with Chase bank. Denied online.Then tried two recons no luck. They want a spotless credit report. The guy told me today that the lates from a car loan 5 years ago were the main reason.Wth... I also have a judgement from 4 years ago that i just paid. Just not showing paid yet. My Fico score is 683.  I went a little crazy after My Fico said i needed new credit. New in the past day. Amex,Apple, and this morning Amazon store card. Im done !!!