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I have a 615 score on credit Carma and a 635 on Experian. Anyone applied for Amazon credit card with a similar score? I make about 4k a month and my expenses are roughly 1.8k a month for everything.
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Let's get the data out of the way first.
FICOs (8) at time of application: *Experian - 646 (now 650) *Transunion - 646 *Equifax - 665
Cards: *End of May **OpenSky Secured - $300 limit (closed end of Sept.) *Beginning of June: **Capital One Platinum - $300 limit *Beginning of August: **Walmart Capital One - 3k limit
Tuesday: Mission Lane Cash Back Visa - 1k limit I applied for the Amazon card right after the ML approval.
Debts/Negative items on report: MCM debt - 8k (3600 left on 600 monthly payment plan, old 11k Cap1 chargeoff which isn't on the report) $250 Discover chargeoff from early 2020, showed late payments up until I settled in May of this year. Car loan I took out February for 14k, current balance is 11k
Reported income - 65k
This is the card that I had my eye on when I started rebuilding my credit back in May. I love my Walmart card, but their online marketplace is not great. I knew my Walmart card would be reporting for the second month early this month, and I had purposely kept my utilization low. Equifax had seen it, but for some reason Experian did not. I had done a pre approval for Mission Lane over the weekend, and decided to go ahead and apply, to give me more revolving credit.
Seeing my 1k limit, I figured that it was worth a shot to apply for the Amazon card. Worst case, I get denied, and I apply again in six months when my credit is a lot better. Got denied initially, but called the reconsideration line on Tuesday. Someone asked me about the MCM debt, and then sent me to the fraud line. He said I had to upload a picture of my ID, and that it would take around 48 hours to process.
This morning I got an email telling me my approval. The limit is a little low, but hopefully in six months they raise it. I don't plan on spending that much over the next six months anyway.
I know it's a low limit, but this still feels like a win for me. I don't want an AF on any of my cards, and hopefully down the line I can get a better cash back card (Amex blue, or Fidelity), but I finally feel like I reached a place where I have cards that have rewards that match up with my spending.