Amazon Prime Store Card Credit Builder

[joeydtx]

Just a followup, maybe it'll serve as a data point for Synchrony.  Sole reason for the denial was my BK, so I am guessing since I IIB they are not friendly to me.  They did pull both, and did not deny for being frozen on TU, so they went to EX is the guess since they list both on the letter.  No indication of secured on letter, possible slim chance something comes in the mail after, but I am not holding my breathe.

TU/EX - 657/661

IIB - post 2yrs, 1 month (closer to 2)

Unrelated to Amazon, they also denied my application for WalMart, citing the same reason of BK.  Guess we will try for Wally when Cap 1 taken them over, since they have been pretty awesome to me with 2x 2500 limit cards... one a week post and offered me the QS 7 months later.  As for Amazon, I can wait and try after it falls off in 2022.

[kiea]

I had the same issue. I've noticed most people have been able to get approved about 2 1/2 years after discharge. I plan on trying at the end of the summer. I'll keep you updated

[KJinNC]

Just as another datapoint, I applied about a week and a half ago, expecting the secured card, and was approved for the unsecured card. They gave me a $1,500 limit.

They pulled TU. I don't have a FICO score for TU since my oldest account is about two months old. My FAKOs are low 600s. However, no derogs.

As a random aside, they also ask you to list NET income (most places ask for gross income). I wasn't sure what to list because I take out a lot for 401k and HSA, plus quite a bit in extra tax withholdings and an employee stock purchase program, but a lot of that is optional stuff I could end if I wanted to. So I answered based on gross income minus mandatory tax and other withholdings.

[Anonymous]

Does this actually report as a store card or just another regular revolving tradeline?

From what I gather from previous posts, the secured card does indeed do a hard pull?

I was hoping to avoid adding another hard pull by going the secured route.

[texasbred71]

Mine reports as a secured credit card. Yes it was a HP.

[Anonymous]

Can anyone vouch for how the unsecured card reports? If it shows as a retail card or regular tradeline?

[KJinNC]

Here is what I see in CK.

[grillandwinemaster]

2 1/2 Years AFTER BK?!?!
What's the point? 2 1/2 years after bk, there's NO Reason to consider secured cards of ANY type!
Jm2¢...

[Anonymous]

A curious question, does the Amazon Prime Store Card (non chase version) allow you to pay your prime subscription using the card itself? I like to have at least 1 reoccuring monthly charge on every card.

[Anonymous]

yes, you can and make sure update which payment method. I did it and it works