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I want to get the Amazon Prime Visa Credit card and have a few questions and here's a little background.
I have never had a credit card for a full day except a Macy's one I canceled on the same day but never received the physical card.
My Credit score is only 662 with only 1 line of credit ever from a 5 year car loan that I paid off without any problems. I had one Macy's Credit card that I canceled on the same day 5+ years ago and it's just sitting there as a closed account still.
I paid off my car years ago and my credit score has been sitting around the same number for years.
I want the Amazon Prime Visa Credit Card because I shop a lot on Amazon and want that 5% back savings and I'll be traveling a lot soon and want that 1% for any other purchases and I want to start building my credit with my first ever credit card. I want a credit card to fall back on incase I need it for an emergency. And I can use it for savings at Whole Foods and to save 2% on gas.
I've read that a 670 score is the minimal requirement and that 700+ score is recommended by experts to get the card.
Do I have to pay for the yearly Amazon Prime membership to get the Prime Visa or can I pay for the monthly plan to get it still?
I don't have a Chase online account either and no Chase bank account, does that matter? I have a bank I've been using for over 10 years and I have a Chime checking and savings account, too. I'm happy with my current bank (it's not a federal credit union) and with my Chime account.
Should I do a pre-qualify check or just go straight into a hard check if I qualify?
Should I make an account to try to get the card on the Amazon website first or on the Chase.com website first? What's the correct order and place to first sign up to try to get a Prime Visa Credit Card?
Should I try to get a different first credit card like the Chase Freedom Rise card at a local Chase building before doing all of this? I don't want a Chase bank account still. It'd be so nice to skip any other card and get the Prime Visa first but maybe I'm thinking about this all wrong.
Thanks so much. (:
So the rule is to have an established history with Chase before applying to any Chase card. #1, by history, does that mean any time of history so ex. Ive had a checking account with them for 1.5 years? #2, the Amazon Prime card is under chase so does that make them a Chase card? If so, should I still apply since I would have only 6 months of established credit by the time I apply and Chase requires at least a full year?