@Anonymous wrote:
@joltdude wrote:Iv been informally in the garden for a bit (haven't done the numbers in awhile but havent apped for anything either)....
Still plan on sitting things out at least until some anniversary dates on cards... Perhaps ill just sit tight unless something changes until July)...
Kinda want to leap out but nothings leaping out at me.. but i need something with some protections .. and i still keep looking at my AZ Prime Visa as a mockery to my score building... Took a good dent out of my Blispay already and almost paid off my CU card from the holidays....
Only seem to be losing and gaining 3-4 points ... Still would like to hit the 800s...
-J
Why on Earth would you think the Amazon Prime VISA a mockery? It’s a solid no fee card that gives 5% back on Amazon purchases. It’s a sought after card for those that use Amazon a lot. I have it and it’s a prized card because it has use for me. No matter what card one has, if it has value and makes you money it’s a card to have. Too much of this prestige thing at times on here.
No price or product protections ... and 22.x APR puts it in the same place as some of the better rebuilder cards...
Im better off using the Freedom for large purchases..
Amazons card is great for stuff i want money back on but if theres likely to be issues. im better off using the OTHER chase card..
-J
Lol, Ben, Jolt has no issue with the "Prestige" of the Chase Amazon Visa card. Its a good card and he knows it . Its just Chase's silliness of giving someone with a good profile such as his a higher apr than really should have been given . Yes, we know if you pif its meaningless, but if you have 3 tiers , lets say, why give someone with a 760+ Score the higher apr?. Its ok to take issue with your cards, thats how we weed out what works and doesnt work for our profiles. I myself threw out my Chase Amazon card like yesterdays garbage...
i still have my Sync one haha so i did what was best for me
@AverageJoesCredit wrote:
Lol, Ben, Jolt has no issue with the "Prestige" of the Chase Amazon Visa card. Its a good card and he knows it . Its just Chase's silliness of giving someone with a good profile such as his a higher apr than really should have been given . Yes, we know if you pif its meaningless, but if you have 3 tiers , lets say, why give someone with a 760+ Score the higher apr?. Its ok to take issue with your cards, thats how we weed out what works and doesnt work for our profiles. I myself threw out my Chase Amazon card like yesterdays garbage...
It is about paying in full. It’s a card that is given to people with lower and higher credit profiles. So the overall APR is going to be higher. The better credit people who keep balances do offset the lower profile defaults. So it’s naturally going to be higher. But it’s a card that’s meant to be paid in full. It’s basically for more luxury items. Wants more than needs. The better profile people pay their CCs in full. It’s not meant to be a low interest card. 5% back is tops for that store overall. If you don’t shop at Amazon the card really has no use for a person. I don’t equate this card with Chases other cards because this card has a specific reason for Amazon shoppers. Paying in full is what that card is meant for. Period. There are low interest cards out there for good credit people who want to keep a balance. That is my point. Just didn’t know I had to spell it out on here. People are very knowledgeable that come here.
Still doesnt make up for lack of purchase protection and price protection.
As always YCMV....
-J
I'm probably reading too much into it but I think J's point was the 5% cash back becomes meaningless without price protection, since Amazon prices can and sometimes do experience large fluctuations. It's a fair point I think.There are some workarounds, some elegant, others not so much. Me personally I use the Amazon card to buy Amazon gift cards and lock in the 5%, then use Camelizer to get an idea of the fairness of the current price, and decide whether to pull the trigger or not from there. If it's a big ticket item I almost always wait for the price to come within a certain range of the historical low before buying. Anyway I digress.
As to APR I agree it's of no practical consequence whatsoever if you PIF (Discover's 23.99% APR and toy limit can kiss my buttcheeks), but psychologically it's very irritating, although nowhere near as bad as being given an insulting limit.
