PayPal Visa / Amazon Visa

[Anonymous]

I'm thinking these might be good to apply for when I get credit scores up next year. If anyone has experience, I'd love to hear about;

CRA(s) Pulled
FICOs
If Approved, Credit-Line
If Declined, why

Any input appreciated.

[marty56]

If you have a Paypal account, sometimes they say that your are pre-approved when you long in so it may be worth having an account while you are waiting to apply.

[Anonymous]

from which CRA do these merchants pull? i live in florida.

[Anonymous]

Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back. If you're going for the rewards, go for the paypal debit card, whatever it offers is better than their credit card. If you want the credit card, just keep a valid verified account for a while (that means w/ a bank acct verified on it), and they'll start trying to sell it to you in no time.

[ccaddict]

Amazon visa is by chase. Chase is a heavy EQ puller. I'm in CA

[kbell]

In 2004, I applied for the Amazon card during checkout to get $30 off purchase and was instantly approved with a $5K CL and they let me know what my cc number was immediately. The process was all automated; there didn't seem to have any human intervention. FICO score unknown at the time. It was the only card I have applied to online, but they approved me so instantly I thought they maybe approved anyone who bothered signing up. The $30 off was worth signing up for.

[haulingthescoreup]

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@Anonymous wrote:
Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back.

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That IS a good deal! The USAA debit card gives cash back, but it's only 0.5%, or 1 point for $2 on the debit card if you want points.

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:
Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back.

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That IS a good deal! The USAA debit card gives cash back, but it's only 0.5%, or 1 point for $2 on the debit card if you want points.

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I would use it all the time if it wasn't for the fact it was a debit card, and I no longer maintain any balance in my paypal account, it's so much easier just to charge it all on a credit card and only think about it once a month when making the payment, instead of trying to guess ahead on how much you'll spend. HOWEVER, If you don't mind doing this management, it's a great deal!

[Anonymous]

The more I read the more Amazon Visa seems like the way to go to get my feet wet with Credit again. My family has had an Amazon account for 2 years or so and we all buy everything on it. So if I simply apply through that account which is in good standing. I'd imagine/hope that as a long-standing customer that would contribute to any decision making process.

[Anonymous]

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@Anonymous wrote:
The more I read the more Amazon Visa seems like the way to go to get my feet wet with Credit again. My family has had an Amazon account for 2 years or so and we all buy everything on it. So if I simply apply through that account which is in good standing. I'd imagine/hope that as a long-standing customer that would contribute to any decision making process.

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Since you're a long standing customer, do they ever solicit YOU to get the card? If so, then you'll more than likely get it