Amazon Prime Visa Credit Card: $200 Amazon Gift Card Instantly Upon Approval

Slimeyface

8h ago

10,692 Posts

Joined Aug 2008

8h ago

Slimeyface

8h ago

10,692 Posts

Quote from BlazeEmUp

:

this will definitely power sack your credit with a hardcore inquiry check...

what does that even mean? Confused

yourlefthand

6h ago

1,258 Posts

Joined Aug 2004

6h ago

yourlefthand

6h ago

1,258 Posts

Quote from Slimeyface

:

what does that even mean? Confused

Nothing. It means nothing.

3

Maverick923

4h ago

191 Posts

Joined Dec 2009

4h ago

Maverick923

4h ago

191 Posts

Quote from Slimeyface

:

what does that even mean?

They're going to run a hard credit inquiry. They always do. But that's what credit is for isn't it? I never understood why are you penalized for using it, and why does your score go down when you open a new line of credit. I could understand why it hurts you if you don't pay, but whatever.

1

BlazeEmUp

4h ago

264 Posts

Joined Jun 2017

4h ago

BlazeEmUp

4h ago

264 Posts

Quote from Slimeyface

:

what does that even mean?

they will run your credit and deduct around 3pts or so...

1

smartdeals

4h ago

11,560 Posts

Joined May 2005

4h ago

smartdeals

4h ago

11,560 Posts

i wait 300 usd

1

3

CoolJuice

4h ago

219 Posts

Joined May 2022

4h ago

CoolJuice

4h ago

219 Posts

Quote from Maverick923

:

They're going to run a hard credit inquiry. They always do. But that's what credit is for isn't it? I never understood why are you penalized for using it, and why does your score go down when you open a new line of credit. I could understand why it hurts you if you don't pay, but whatever.

The "paradox" of credit: Those who don't need it can be trusted with it, and those who need it cannot be trusted with it. If you were a bank and someone came to you asking for a loan after having done so at every other bank in town, you'd be suspicious too.

1

ulieq

Pro

3h ago

4,691 Posts

Joined Mar 2006

3h ago

ulieq

Pro

3h ago

4,691 Posts

Should be $200 + free amazon prime for life.

2

impasse

3h ago

2,196 Posts

Joined Feb 2015

3h ago

impasse

3h ago

2,196 Posts

this is about as high of a SUB as this card gets, i think. fairly easy decision if you use amz and don't have it. i agree it should have some kind of discount/bonus for paying for prime, rather than the other way around of this being a "bonus" you can only get with prime, but i digress..

i remember the dumbest one was when we put recently $7000 for a medical procedure on a new citi custom cash card with 0% intro apr (limit around $10k), and it instantly tanked my score by 20+ pts..when i have a total credit limit of >$200k, an amex gold and platinum (no limit), and score generally around 820 (out of 850)

SnakeMGS

3h ago

318 Posts

Joined Dec 2020

3h ago

SnakeMGS

3h ago

318 Posts

Quote from Maverick923

:

They're going to run a hard credit inquiry. They always do. But that's what credit is for isn't it? I never understood why are you penalized for using it, and why does your score go down when you open a new line of credit. I could understand why it hurts you if you don't pay, but whatever.

If it wasn't for heard inquiry, people would be opening new credit cards like buying groceries every day. I don't like it either but think it's necessary.

CoolField1069

3h ago

238 Posts

Joined Nov 2018

3h ago

CoolField1069

3h ago

238 Posts

Quote from BlazeEmUp

:

this will definitely power sack your credit with a hardcore inquiry check...

If one hard inquiry dies that to your credit you've already checked your credit 5 or 6 times in the last few months

CoolField1069

3h ago

238 Posts

Joined Nov 2018

3h ago

CoolField1069

3h ago

238 Posts

Quote from CoolJuice

:

The "paradox" of credit: Those who don't need it can be trusted with it, and those who need it cannot be trusted with it. If you were a bank and someone came to you asking for a loan after having done so at every other bank in town, you'd be suspicious too.

No I'd just know their credit was terrible. Coming from a career banker it's not the inquiry that does anything more than drop your credit 4–8 points.

CoolField1069

3h ago

238 Posts

Joined Nov 2018

3h ago

CoolField1069

3h ago

238 Posts

Quote from impasse

:

this is about as high of a SUB as this card gets, i think. fairly easy decision if you use amz and don't have it. i agree it should have some kind of discount/bonus for paying for prime, rather than the other way around of this being a "bonus" you can only get with prime, but i digress..i remember the dumbest one was when we put recently $7000 for a medical procedure on a new citi custom cash card with 0% intro apr (limit around $10k), and it instantly tanked my score by 20+ pts..when i have a total credit limit of >$200k, an amex gold and platinum (no limit), and score generally around 820 (out of 850)

See when you have an 800 credit score 20 points doesn't mean anything. When you have a 700 credit score 20 points means everything. Keep up the good work.

1

CoolField1069

3h ago

238 Posts

Joined Nov 2018

3h ago

CoolField1069

3h ago

238 Posts

Quote from Maverick923

:

They're going to run a hard credit inquiry. They always do. But that's what credit is for isn't it? I never understood why are you penalized for using it, and why does your score go down when you open a new line of credit. I could understand why it hurts you if you don't pay, but whatever.

If you look at the indicators it makes perfect sense. Age of credit is a huge factor and when you open a new line or loan it lowers your average age of credit immediately. It's temporary.

beefy6969

3h ago

844 Posts

Joined Apr 2006

3h ago

beefy6969

3h ago

844 Posts

How can i forward a referral for this deal to someone else if I alreay have a Chase Amazon Visa.

Rating:	(4.4 out of 5 stars)
Reviews:	131,111 Amazon Reviews
Model Number:	test_model
Product SKU:	BT00LN946S
ASIN:	BT00LN946S
Brand:	Chase
Item model number:	test_model

Amazon Prime Visa Credit Card: $200 Amazon Gift Card Instantly Upon Approval

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