Amazon Storecard and utilization?

[Anonymous]

Hey guys I have a question regarding the amazon store card.  I've been searching all over but I keep finding conflicting answers but does anyone know if the amazon store card gets reported to CB's and affect your credit utilization?  I only ask because I've been trying to keep my total utilization at around 5% and so far it has been doing wonders for my credit score.  Thanks for any input you guys have. Cheers.

[Anonymous]

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@Anonymous wrote:

Hey guys I have a question regarding the amazon store card.  I've been searching all over but I keep finding conflicting answers but does anyone know if the amazon store card gets reported to CB's and affect your credit utilization?  I only ask because I've been trying to keep my total utilization at around 5% and so far it has been doing wonders for my credit score.  Thanks for any input you guys have. Cheers.

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Yes it reports and affects your utilization.

[Anonymous]

Yes it reports and affects your utilization.

[Anonymous]

Ah thats a shame, was really hoping to take advantage of that zero interest 6 month installment.  Thanks for the replies!

[Anonymous]

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@Anonymous wrote:

Ah thats a shame, was really hoping to take advantage of that zero interest 6 month installment.  Thanks for the replies!

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You still can take advantage of it.  FICO scores have no memory when it comes to utilization.  If you have a score drop due to higher utilization it will rebound as you pay the account down.  Don't shy away because it reports

[pizza1]

+1 to everyone who said "yes", it reports.

Have you tried calling the BD# or using chat to get a CLI on the card?
theres a lot of folks who have been successful doing that. Tell them you have a big purchase and need to carry a balance, and want to take advantage of the "special financing" they are currently offering.

If you don't have luck on chat, call the BD# and visa versa...Good luck

[Anonymous]

I would love to get a increase however my credit history is pretty horrible (2 delinquences)  not to mention my AAoA is 1 year.  I would have loved to purchase something for a friend that does not have the cash on hand for a new graphic card so I offered to put it on my card and they could pay me in installments for the 6 months.  Thanks alot fellas, +1's all around.

Forgot to mention that I'm afraid of my utilization because I'm trying for a CLI on my Chase Freedom in about a month (7 months of on time PIF history) and my utilization seems to have a huge impact on my scores.  I accidentally went over 10% a measly 10% utilization 1 month and my scores dropped 30 points across the board.

[Anonymous]

For an unreported tradeline with 6-mos. interest-free, you can't beat PayPal Credit (or Bill Me Later or whatever they call it).