Amazon success (sort of)

[Anonymous]

Hi all!

I was on Amazon Saturday shopping for a cover for my new motorcycle and when I checked out I was offered a chance to apply for a Amazon card (non-Visa). Since I haven't done anything to scuff up my credit lately I filled out the form and was rewarded with an instant $700.00 approval!  Maybe not huge but compared to where I was a year ago it ain't half bad.

So as I was feeling full of myself I decided to try for a twofer and apply for the Amazon Chase Visa as well. Can you see it coming? Yep the dreaded 15 to 30 day response. I checked and they pulled EX which is not too bad. A recent lender pull has me around 681 and the only baddie is a 6+ year old paid charge off from our friends at 1st Premier and several inquiries most of which stem from 2 vehicle purchases.

I feel that if I am denied I have a fair chance at recon.

Opinions? Experiences?

Thanks and Happy Monday!

CB

[FocusOnFICO]

CB--the Amazon store card is a good one to have.  To your question, do you really need the other credit card?  If so, recon.  If not, best to move on.

[Anonymous]

I'm hoping to replace a very well worn Orchard Visa which has served me well in my rebuilding but has hit the wall when it comes to growth. Should I wait for the denial or forge ahead with the recon?

As always, thanks for all the help,

CB

[tray]

If I was you I would call the backdoor number to see if there is a decision yet and try to speak with someone if they tell you a denial, i would do it now as it is early and just to avoid the waiting game if you really want this card.  Good Luck

[keith021]

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@Anonymous wrote:

Hi all!

I was on Amazon Saturday shopping for a cover for my new motorcycle and when I checked out I was offered a chance to apply for a Amazon card (non-Visa). Since I haven't done anything to scuff up my credit lately I filled out the form and was rewarded with an instant $700.00 approval!  Maybe not huge but compared to where I was a year ago it ain't half bad.

So as I was feeling full of myself I decided to try for a twofer and apply for the Amazon Chase Visa as well. Can you see it coming? Yep the dreaded 15 to 30 day response. I checked and they pulled EX which is not too bad. A recent lender pull has me around 681 and the only baddie is a 6+ year old paid charge off from our friends at 1st Premier and several inquiries most of which stem from 2 vehicle purchases.

I feel that if I am denied I have a fair chance at recon.

Opinions? Experiences?

Thanks and Happy Monday!

CB

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Well, from my experience and approval with Chase, they can actually take up to 30 days to approve applications. I think my application took a little longer than 30 days. Good luck!

[Anonymous]

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@tray wrote:

If I was you I would call the backdoor number to see if there is a decision yet and try to speak with someone if they tell you a denial, i would do it now as it is early and just to avoid the waiting game if you really want this card.  Good Luck

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Called the back door to recon and was approved for an initial $500 limit. Not huge but a first step with my first "not a rebuilder" card. Hopefully with good use and care CLIs will happen down the road.

Done with apps now until summer 2011.

Thanks for all the opinions!

CB

[tray]

Whay to go,CharlieBrown!!! nice to hear.  One day for me a Chase card also.