I was initially approved for the Amazon Prime Store Card with a 631 TU and a 644 EQ. 6 months later, I am at a 679 and 690, respectively. I have nothing but a good experience with this card. I have yet to need technical support as the website is easy to navigate; it's very easy to make a payment and I can see all of my statements, past balances and payments, and current information. It also keeps you updated on the balance of any products you have financed using the store card. I have called customer service once to change my address and phone number on file and the woman I spoke to was very pleasant and engaged and knew what she was doing. It was done in a few minutes and I was on my way. The card itself has a bit of a high interest rate, but I haven't carried a balance as I only use this card for financing with their 6, 12, and 24 month interest free plans. I would recommend the Amazon Prime Store Card to somebody who is looking for a way to make interest free payments on items such as tv's, cameras, mattresses, etc, as that's been my primary use and it's worked really well for me. I would not recommend the Amazon Prime Store Card to anyone who finds it hard to keep up with payments or tends to carry a balance. This card is really great for financing, but not so great for regular purchases due to it's high interest rate. Overall, I do love this card.
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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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