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hnjbp

Nov 22, 2022 9:53 PM

32 Comments

Joined Dec 2012

hnjbpNov 22, 2022 9:53 PM

32 Comments

Quote from bearsworth8

:

I got instant approve. Maybe they check Amazon spend. I probably spend around $5000+ / year on Amazon

I doubt is that because I spend about what you spend a year buying from amazon. But, congrats to you, enjoy the $200.

1987dmoore

Nov 22, 2022 9:59 PM

89 Comments

Joined Nov 2017

1987dmooreNov 22, 2022 9:59 PM

89 Comments

Chase is pretty rough on credit. When I was 20 years old I had a charge off for an $1000 card with chase which I ended up paying off. That was about 20 years ago and to this day chase will deny me with a 760 credit score. Apparently if you ever have a charge off with them it's ban for life just something to think about.

goldstar

Nov 22, 2022 10:03 PM

185 Comments

Joined Nov 2005

goldstarNov 22, 2022 10:03 PM

185 Comments

got approval ... and $200 amazon GC
.. thanks...

Petey07

Nov 22, 2022 10:52 PM

3K Comments

Joined May 2008

Petey07Nov 22, 2022 10:52 PM

3K Comments

Quote from 1987dmoore

:

Chase is pretty rough on credit. When I was 20 years old I had a charge off for an $1000 card with chase which I ended up paying off. That was about 20 years ago and to this day chase will deny me with a 760 credit score. Apparently if you ever have a charge off with them it's ban for life just something to think about.

I think this is happening to me as well, I was denied any Chase CC, and also, they barely approved me an checking account lol! I opened and have a checking account to start re-establish the relationship with them. I'm going call the reconsideration line and hopefully the rep helps.

I just dislike how all the co-brand (southwest airlines, amazon and others (which are beneficial for me)) are partnering with Chase, while I don't have any issues with other lenders/banks.

Petey07

Nov 22, 2022 10:56 PM

3K Comments

Joined May 2008

Petey07Nov 22, 2022 10:56 PM

3K Comments

Quote from shojus

:

Everytime I Dona pre-qualification with this card I always get the same message that they aren't able to access my credit report.... I don't freeze my reports, so not sure why I keep getting this message?

Same with me, I tried to see if I am "pre-qualify" knowing that my credit score and debt ratio will not have any issues (besides opening more than 5 accounts in the past 2 years); but can't obtain credit report... but when I applied, it was instant approve, and will call the reconsideration line and see if they can help. I don't have a good relationship with Chase in the past, Lol... so maybe this is the reason why they don't want to do business with me haha.

shojus

Nov 22, 2022 11:02 PM

2.2K Comments

Joined Feb 2008

shojusNov 22, 2022 11:02 PM

2.2K Comments

Quote from Petey07

:

Same with me, I tried to see if I am "pre-qualify" knowing that my credit score and debt ratio will not have any issues (besides opening more than 5 accounts in the past 2 years); but can't obtain credit report... but when I applied, it was instant approve, and will call the reconsideration line and see if they can help. I don't have a good relationship with Chase in the past, Lol... so maybe this is the reason why they don't want to do business with me haha.

You said you got an "instant approve" ? Just curious if I read that wrong... I have read that there are A LOT of people that are getting this message on other forums, so I'm hesitant to believe it has to do with past accounts with them, but I'd like to know why so many people get that message when doing research.

Petey07

Nov 22, 2022 11:18 PM

3K Comments

Joined May 2008

Petey07Nov 22, 2022 11:18 PM

3K Comments

Quote from shojus

:

You said you got an "instant approve" ? Just curious if I read that wrong... I have read that there are A LOT of people that are getting this message on other forums, so I'm hesitant to believe it has to do with past accounts with them, but I'd like to know why so many people get that message when doing research.

Oops! I meant to say "I was not instantly approve" and got a letter stating the reason why (having too much account open in the past 24 months, but I recalled reading that Amazon has request Chase to not have the 5/24 rules on their amazon card, otherwise Amazon will look for a different lender). I'm going called the reconsideration line to see if they will reconsider doing business with me again lol.

shojus

Nov 22, 2022 11:25 PM

2.2K Comments

Joined Feb 2008

shojusNov 22, 2022 11:25 PM

2.2K Comments

Quote from Petey07

:

Oops! I meant to say "I was not instantly approve" and got a letter stating the reason why (having too much account open in the past 24 months, but I recalled reading that Amazon has request Chase to not have the 5/24 rules on their amazon card, otherwise Amazon will look for a different lender). I'm going called the reconsideration line to see if they will reconsider doing business with me again lol.

Good luck

bearsworth8

Nov 23, 2022 12:34 AM

1.6K Comments

Joined Aug 2011

bearsworth8Nov 23, 2022 12:34 AM

1.6K Comments

Quote from hnjbp

:

I doubt is that because I spend about what you spend a year buying from amazon. But, congrats to you, enjoy the $200.

Yeah you're probably right. It's probably more to do with Chase Bank. I feel like anyone over 760 credit score or above should easily get it. Could be other factors but I saw they did a credit pull on me.

checkthat

Nov 23, 2022 12:41 AM

1.1K Comments

Joined May 2006

checkthatNov 23, 2022 12:41 AM

1.1K Comments

Wait what if you already have the card?

shalin99

Nov 23, 2022 12:55 AM

98 Comments

Joined Dec 2016

shalin99Nov 23, 2022 12:55 AM

98 Comments

No brainer if you have Prime and shop on Amazon. Easy $200. Got the dreaded "Unfortunately…" message. Called the recon line (888) 270-2127 and got it approved in under 2 mins. I asked why, and the rep mentioned "it's a security measure, they would have called me in a few days if I hadn't called"

1

patelronak5

Nov 23, 2022 4:48 AM

551 Comments

Joined Nov 2017

patelronak5Nov 23, 2022 4:48 AM

551 Comments

For instance I have a prime account now with email id abcd@gmail and after my prime expires, and I use another prime account xyz@gmail, but would i still get 5% back @ xyz@gmail amazon account?

wazzuper1

Nov 23, 2022 5:32 AM

706 Comments

Joined Jul 2010

wazzuper1Nov 23, 2022 5:32 AM

706 Comments

Quote from patelronak5

:

For instance I have a prime account now with email id abcd@gmail and after my prime expires, and I use another prime account xyz@gmail, but would i still get 5% back @ xyz@gmail amazon account?

I was reading their terms and it sounds like it's only 5% earned for the account that you applied for the card with. Your second account would earn only 3%.

"When you earn 5% back at Amazon.com and Whole Foods Market: If the Amazon.com account through which you apply for your card account has an eligible Prime membership and your card account is loaded into that Amazon.com account, your card account will automatically earn 5% back. However, if you switched Amazon.com accounts, use multiple Amazon.com accounts, or your card account is loaded into multiple Amazon.com accounts, then your card account may not automatically earn 5% back and may instead earn 3% back. In such cases, you will need to confirm your card account number and select your card account on that Amazon.com account with eligible Prime membership in order to earn 5% back."

There were also terms that said if you applied for a new card using the same account, only the new card would earn 5%, while the old one would earn 3%.

" Your card account will no longer earn 5% back and will earn 3% back instead, if the Amazon.com account from which you applied for your card account or the Amazon.com account you confirmed and selected to earn 5% back:
(i) no longer has an eligible Prime membership;
(ii) no longer has your card account loaded in that Amazon.com account;
(iii) is closed;
(iv) is used to select a different card account to earn 5% back at Amazon.com; or
(v) is used to apply for another Amazon Prime Rewards Visa Signature card account that is approved and loaded in that Amazon.com account (that new card account will earn 5% back at Amazon.com)."

1

royalrock

Nov 23, 2022 5:42 AM

2.6K Comments

Joined Sep 2008

royalrockNov 23, 2022 5:42 AM

2.6K Comments

chase and discover cover halfof the year (5%) .....this card is useful for 6 months in a year to get 5% cb

bestdeal113

Nov 23, 2022 6:14 AM

2K Comments

Joined Jun 2017

bestdeal113Nov 23, 2022 6:14 AM

2K Comments

Already got the Prime rewards, gonna get the Store Card for extra $100 Big Grin

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