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Chase Amazon Visa & 5/24? Data Points

FinStar
Moderator Emeritus

Chase Amazon Visa & 5/24? Data Points

I went ahead and decided to create a separate thread merely as curiosity to see what other folks have experienced regarding some recent Chase Amazon Visa approvals bypassing 5/24.

 

Although, it is way too premature to consider whether the 5/24 restriction has been somewhat relaxed (or removed altogether) for this particular card, but a recent number of approvals and discussions appear to indicate that some profiles have been able to circumvent the 5/24 restriction. These appear to be cold applications vs the pre-qualification available through the Amazon site. Thus far, DPs have shown the pre-qualification can still bypass 5/24.

 

This thread is merely a compilation of DPs to determine whether this is something temporary (perhaps a glitch) since we know Chase has had this happen in the past with green/black star offers. Or, perhaps something that could change in the future.

 

This particular topic isn't about conspiracy theories or rumors about the fate of the Chase Amazon Visa CC portfolio (which is still unknown + there's a separate thread for that discussion), but rather compiling DPs around scenarios that may be indicative that the 5/24 restriction can be overcome in the absence of a pre-qualification offer via the Amazon website.

 

The thread below was introduced earlier this year about pre-qualification offers via Amazon:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amazon-Prime-Visa-Chase-Pre-Qualify/m-p/63...

 

The thread below highlights some issues with the above tool:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amazon-Prime-Pre-Qual-link-problem/m-p/642...

 

The thread(s) below are recent approvals which bypassed 5/24 (no pre-qualification):

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approvals-for-Chase-Amazon-Prime-Rewards-even...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amazon-Visa-7-24/td-p/6448437

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amazon-Visa-approved-while-7-24-WOW/td-p/6448...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Applied-for-Chase-Amazon-for-science/td-p/644...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Amazon-Prime-Visa-approval-6-24-Instant...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Amazon-Card-Approval-with-7-24-DP/td-p/...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Couldn-t-resist-the-Jungle-s-200-offer/td-p/6...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Another-7-24-Chase-Amazon-Approval-Instant/td...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Amazon-Prime-Approval-6-24/m-p/6450501

 

For any DPs where declined applications are still citing 5/24 as a reason, please post them here as well (such as the one(s) below):

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amazon-Chase-lol-24-Rejection/td-p/6448445

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amazon-Chase-lol-24-Rejection/m-p/6450373#...

Message 1 of 71
70 REPLIES 70
CreditAggie
Community Leader
Super Contributor

Re: Chase Amazon Visa & 5/24? Data Points

While my DPs do not directly involve an approval over 5/24, they might have some merit to this thread. In September, I tried the prequalification tool at 5/24, and was not prequalified. I tried it again in October at 4/24, and was prequalified. I followed through with the app and was instantly approved. In my case, it looked like 5/24 may have been a factor in the prequalification process.

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:                           Goal Cards:
    
Message 2 of 71
quantum001
Regular Contributor

Re: Chase Amazon Visa & 5/24? Data Points

glad I was able to give some info at least. I suspect they are more lenient with 5/24 to 7/24 than for lol/24.

Message 3 of 71
UncleB
Credit Mentor

Re: Chase Amazon Visa & 5/24? Data Points

Awesome thread, @FinStar!

 

It was about time for Chase to shake things up, but I admit I never saw this one coming!  Smiley Surprised Smiley Very Happy

Message 4 of 71
ThriftySaver
Contributor

Re: Chase Amazon Visa & 5/24? Data Points

i think if you are slightly over 5/24 you will be approved but if you are way over 5/24 you won't. it seems to be that way based on dp

Message 5 of 71
PointsBonus
Established Contributor

Re: Chase Amazon Visa & 5/24? Data Points

@FinStar  If official - 5/24 decline.EB026E61-F5B8-4BB2-A4E5-06D1F8649EFD.jpeg

And they did a DOUBLE PULL 

Exp yesterday 

Eqx this morning attached to this letter 




Message 6 of 71
collics
Established Contributor

Re: Chase Amazon Visa & 5/24? Data Points


@PointsBonus wrote:

@FinStar  If official - 5/24 decline.EB026E61-F5B8-4BB2-A4E5-06D1F8649EFD.jpeg

And they did a DOUBLE PULL 

Exp yesterday 

Eqx this morning attached to this letter 


What's your x/24 status? 

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2022
Newest to Oldest:


Fico 8s Dec 2019

FICO8s 2023
Message 7 of 71
CreditCuriosity
Moderator Emeritus

Re: Chase Amazon Visa & 5/24? Data Points

Read alot of DP's recently on other sites and certainly appears 5/24 doesn't apply to Amazon and SW.and possibly united card?  Tons of approvals I have seen on amazon cards well over 5/24.  Be interesting to grab our DP's from this site as well.

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Message 8 of 71
Anonymous
Not applicable

Re: Chase Amazon Visa & 5/24? Data Points

im currently 6/24 and i did the prequalify link and it said unable to approve me at this time. I didnt want to cold app and burn 2 inquiries. I wanted the 200 amazon gift card sub to pay for my airpods 3 and then close after 2 years and move the limit to my cff.

Message 9 of 71
Yasselife
Established Contributor

Re: Chase Amazon Visa & 5/24? Data Points

@Anonymous 

I like your strategy.

Message 10 of 71
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