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Chase Amazon Question... Am i hurting myself?

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QCTRAV
Valued Member

Chase Amazon Question... Am i hurting myself?

So I have about 5-6 revolving cards, but for my business I just started i noticed I was buying a lot off Amazon quite often. I applied for the Amazon card, and was declined. I called back with a recon and they approved me for $500. 

 

Within this month alone, Ive maxed it out and payed it off 3 times. 

 

It is currently sitting at a $0 balance, but i was not sure if what i was doing looks bad to chase, or if it looks like they need to up my limit... What should I do?

Starting Fico Score 589 Current 640

QSO $2000 ; Cap 1 Secured $300 ; First Premiere Secured ; $300 ; Piedmont Advantage CU CC $1000 ; Barclay s Rewards $1000 ; Chase Amazon Visa $500



In the Garden 5/14 until 5/15
Message 1 of 9
8 REPLIES 8
Kenny
Moderator Emeritus

Re: Chase Amazon Question... Am i hurting myself?

You will eventually get an auto CLI probably if you continue spending/paying off at this pace. You're doing nothing wrong, and in fact Chase wants to see this. Good job! Smiley Happy Just make sure that you try not to let it report maxed as that might mess with your score. With that said, I've noticed that when I zero my Chase cards if a large balance posts, they also report the 0 balance. So it's not the end of the world if the large balance posts.
Message 2 of 9
QCTRAV
Valued Member

Re: Chase Amazon Question... Am i hurting myself?

I actually just called in, they said they would need to pull my credit to get an CLI, and they do give out auto CLI's but every 6 months. 

 

Gross. 

Starting Fico Score 589 Current 640

QSO $2000 ; Cap 1 Secured $300 ; First Premiere Secured ; $300 ; Piedmont Advantage CU CC $1000 ; Barclay s Rewards $1000 ; Chase Amazon Visa $500



In the Garden 5/14 until 5/15
Message 3 of 9
Anonymous
Not applicable

Re: Chase Amazon Question... Am i hurting myself?

And if Amazon continues to be a big portion of your spend, look at some point at getting Sallie Mae (which is 5% rather than 3%)

Message 4 of 9
Closingracer99
Valued Contributor

Re: Chase Amazon Question... Am i hurting myself?


@Anonymous wrote:

And if Amazon continues to be a big portion of your spend, look at some point at getting Sallie Mae (which is 5% rather than 3%)


But the beauty of the Amazon visa card is you use the points to buy stuff on amazon 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 5 of 9
coldnmn
Mega Contributor

Re: Chase Amazon Question... Am i hurting myself?


@Closingracer99 wrote:

@Anonymous wrote:

And if Amazon continues to be a big portion of your spend, look at some point at getting Sallie Mae (which is 5% rather than 3%)


But the beauty of the Amazon visa card is you use the points to buy stuff on amazon 


Same with Discover if you link it. Most of the time I have enough rewards to pay for my order with Discover rewards. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 9
Closingracer99
Valued Contributor

Re: Chase Amazon Question... Am i hurting myself?


@coldnmn wrote:

@Closingracer99 wrote:

@Anonymous wrote:

And if Amazon continues to be a big portion of your spend, look at some point at getting Sallie Mae (which is 5% rather than 3%)


But the beauty of the Amazon visa card is you use the points to buy stuff on amazon 


Same with Discover if you link it. Most of the time I have enough rewards to pay for my order with Discover rewards. 


True I got mine linked and saved over $100 using it Smiley Happy

 

 

Can I like the Chase sapphire and Freedom to my account?

 

The Amex Everyday card can be linked to it ?


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 7 of 9
coldnmn
Mega Contributor

Re: Chase Amazon Question... Am i hurting myself?


@Closingracer99 wrote:

@coldnmn wrote:

@Closingracer99 wrote:

@Anonymous wrote:

And if Amazon continues to be a big portion of your spend, look at some point at getting Sallie Mae (which is 5% rather than 3%)


But the beauty of the Amazon visa card is you use the points to buy stuff on amazon 


Same with Discover if you link it. Most of the time I have enough rewards to pay for my order with Discover rewards. 


True I got mine linked and saved over $100 using it Smiley Happy

 

 

Can I like the Chase sapphire and Freedom to my account?

 

The Amex Everyday card can be linked to it ?


Someone else will have to answer that I seem to be blacklisted at Chase.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 9
longtime_lurker
Valued Contributor

Re: Chase Amazon Question... Am i hurting myself?

I could use my UR points on amazon, but what a waste. Also, you can just get a statement credit from SM Smiley Happy

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 9 of 9
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