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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Crazy thing happened to me. I have a $1000 limit on my Amazon Store card. On a whim, i clicked the request credit increase... nothing happened. I got a letter in the mail today that said i was denied. The letter goes on to basically say that i was denied because "The Percentage of Times payment Greater than Amount Due over Last 12 Months" and "Maximum consecutive Months there was a balance decrease over the most recent six months". I love this card, b/c i love Amazon and it makes it easy. Can you believe i was denied because I always pay more than is due and most of the time I pay my balances in full and keep 0 balance!!! This is the craziest thing i've ever heard of... My Credit score is over 720!!! So instead of rewarding a good customer, they penalize me because they are not making enough money off me in interest. I didn't need the increase anyway, i was just curious, i really don't care, but i think the reasoning is insane.
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