Being a Prime member, I have been interested in adding this Store Card to my account since I do the majority of my online shopping at Amazon. I was just approved for a $2100 CL with scores of EQ: 673 TU: 685 and EX 677. No open collections or unsatisfied judgments. A total of 12 late payments from 2 student loans from 2013 still appear on my reports. My current credit utilization is around 5%. The only report they pulled for the account was TransUnion (same as in April, 2015). I had applied for this card in April 2015 but was declined at the time (scores across the 3 bureaus were in the mid 500s, with open collections and 2 judgments). Hope this helps someone.
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You would think its a good idea to get an amazon card, right? Wrong. This is possibly the worst decision I made in my life. They take the money from my, very accredited, bank- then send me a letter saying the payment was "refunded by my bank." I can see the statement where the money came out, and never went back in. Call the customer service line, and in the account summary it forces you to sit through before transferring, it says my last payment was the amount that they are saying they did not receive. The customer support rep on the phone says that the payment didn't go through. I call the bank, they say that this is a KNOWN ISSUE WITH THIS RIP OFF OF A CARD, and the paper trail of the $307 taken out of my bank account, surprise surprise, leads straight to amazon. If I had one wish in the world it would be to have a time machine and go back and NEVER sign up for an amazon credit card. I think this may be more of a reflection on synchrany bank than amazon, but a multibillion dollar comapny should be set up with a better bank than some knock off joke of a credit line. That is all.
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