Amazon Rewards Chase Recon fail. Next step?

[Anonymous]

Good Afternoon all,

I applied for the Amazon Rewards Visa last month and I had not received a letter, so I decided to call their CS line. The operator told me that I had been declined and offered to send me to the reconsideration line. That operator told me I was declined because my credit history is too short.

I'm 18 years old and I am an authorized user on my moms credit card with a 15k limit. That card has been active for around 8 months. I've never missed a payment. 

My credit scores, according to credit karma, are 750. From what I understand, that is a great score.

I realize I was declined because I have only had that card for 8 months. Should I try to call the recon line again and hope that I get someone who will be more understanding?

Should I bite the bullet on the hard pull and apply for the discover it card for students?

Can y'all credit card aficionados give me some advice? 

I'd greatly appreciate it

[OmarGB9]

Chase typically likes to see one year of personal (not AU) history before giving out a card. You've got nothing to lose by reconning, however, I'm just letting you know of the possible outcome. Also, CreditKarma's scores aren't true FICOs, so ignore it. Lastly, Discover is known to like thin files and people new to credit, so it's worth giving them a shot.

[Anonymous]

Do not open a secured card that will not graduate.  Still kicking myself for that, signing up despite having other cards at the time.

Discover It Student might be a good option.  Afaik, they're fine with even a blank report as long as you have income.  A Bank of America card might also do well for you, as it will graduate within a year.  A third option might be to apply for a CapOne Platinum.  You'll be able to grow and product change that tradeline, unlike their secured option.

[Imperfectfuture]

Like the cap one quicksilver myself.

[takeshi74]

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@Anonymous wrote:

My credit scores, according to credit karma, are 750. From what I understand, that is a great score.

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CK provides 2 scores.  A TU and an EQ VantageScore.  Those scores are only relevant to creditors that use a TU or EQ VantageScore.  Chase does not.

Always consider the specific scoring model & CRA and also consider the relevance of a model/CRA combo to a given creditor when referencing scores.  Creditors do not all use the same model and/or CRA.  Do not assume that all models are equivalent.  You cannot use a score generated by one model to determine a score generated by a different model.

Additionally, it's never just about score.  As you've seen your history does not meet Chase's criteria.

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@Anonymous wrote:

I realize I was declined because I have only had that card for 8 months. Should I try to call the recon line again and hope that I get someone who will be more understanding?

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That doesn't change your credit, so no.  Being an AU can help but you need to establish and build your own tradelines.  You need to find another creditor/product that you may qualify for.  If you're not able to get an unsecured card then you may need to apply for a secured card.

I can't speak to the Discover student card.

FYI -- if you want rewards on Amazon spend the Chase Amazon is not the best option.  The Amazon store card is 5% if you have a Prime membership.  Some cards offer 5% on bookstores and some Amazon purchases qualify depending on the details of the specific rewards program,.

[ojefferyo]

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@Anonymous wrote:

Good Afternoon all,

I applied for the Amazon Rewards Visa last month and I had not received a letter, so I decided to call their CS line. The operator told me that I had been declined and offered to send me to the reconsideration line. That operator told me I was declined because my credit history is too short.

I'm 18 years old and I am an authorized user on my moms credit card with a 15k limit. That card has been active for around 8 months. I've never missed a payment. 

My credit scores, according to credit karma, are 750. From what I understand, that is a great score.

I realize I was declined because I have only had that card for 8 months. Should I try to call the recon line again and hope that I get someone who will be more understanding?

Should I bite the bullet on the hard pull and apply for the discover it card for students?

Can y'all credit card aficionados give me some advice? 

I'd greatly appreciate it

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If recon said that your history is too short for them then there's not a whole lot you can really do, nothing to lose by calling again but I would try to get something a little bit "easier" and build up your history and try again down the road.