What credit score for amazon store card

I have had this card for years and I love it. I earn 5% rewards on purchases and have gotten a lot of free items. I love the 6 month interest free option and I use it all the time. I do have a high limit and I pay off any balance that is not promotional each month. If you don't pay off your cards each month this is probably not a great card for you. The interest rate is too high.

Useless Card High Interest

Credit Karma Member

After 2 years of requesting, they finally upped my credit limit above $200.... I make close to 6 figures, no missed payments...ever...under 10% debt to income ratio. Then they TOOK IT BACK after I made a couple of purchases. What an insult to have your credit limit reduced out of the blue when you've done nothing wrong or different. They are now paid in full and won't be profiting from me again. It wasn't even 70% of the limit used before they did this and dropped my credit score over 30 points. Amazon lost a Prime member too.

Extremely disappointed

Credit Karma Member

I have been a loyal customer of Amazon and have several Synchrony Bank cards. I pay my card payments every month and have been for 4 years. Unfortunately, this November by husband became terribly ill and was hospitalized and out of work due to COVID for several months. I had two payments return to them (Feb + April) which I then rectified the very next day, both times. I went online to make another payment and I was alerted my account was closed. No one ever called me and LEFT A MESSAGE. I do not answer spam calls, DUH! Never received an email, text, smoke signal, NOTHING! I was never told this may happen and now my credit history age has dropped because of this. I have been trying to build my credit for 5 years and this has made a LARGE decrease to my credit score. I have paid this balance in full, and I will NEVER be using Synchrony Bank again.

Will close account without warning

Credit Karma Member

I applied for my card years ago when my credit was very poor, and I was approved for a card. In the meantime I was paying off that's for my other credit cards and working on my credit score, and currently on the highest that I've been in about 5 years... About a week or so ago and was on closed my account poor the crummy customer service agent, and he would not tell me why they closed my account, that I received a notice in the mail however I never received any notification in the mail. My account is now closed right before the holidays, and they will not approve me for a new card as I am apparently high risk according to the crummy customer service agent. I don't understand what this means as when I originally applied for the card I was in the 400s with a credit score and currently in the 600s which is what you need in order to be approved for a card... So if you your credit score is a roller coaster, be prepared to have your account canceled without notification

Beware !

Credit Karma Member

I had a late charge on my statement because I didn’t make a payment the month before..I was so angry because the month before I had made two $ 200. Payments.One was two days before the next month was due…Both payments were at least $100. over the minimum payment ..but because I didn’t make one for the following month I was charged a late charge. When I called customer service I was told I had to make a payment every month regardless of how much you paid the month before . I had no idea .I guess it’s all about them having their interest paid..I’m not using this card ever again !

NON-EXISTANT CUSTOMER SERVICE

Credit Karma Member

I'm a terrible person because i shop a lot of amazon. This card is great as long as you keep it paid off and buy a lot of amazon. However it all goes to crap once you need help. My card got shut down for a fraudlent charge - good catch by chase! Was happy about that. Not happy that I'm now on DAY THREE of trying to get a hold of ANYONE who can handle this absolutely trivial correction, but no. What you are FORCED to do is wait in line, for NINTEY MINUTES then they dump you with a smile. "try back later". Three frickn days of this. I can't even get anyone to just cancel my card. DO NOT GET THIS CARD.

Useless Card High Interest

Credit Karma Member

After 2 years of requesting, they finally upped my credit limit above $200.... I make close to 6 figures, no missed payments...ever...under 10% debt to income ratio. Then they TOOK IT BACK after I made a couple of purchases. What an insult to have your credit limit reduced out of the blue when you've done nothing wrong or different. They are now paid in full and won't be profiting from me again. It wasn't even 70% of the limit used before they did this and dropped my credit score over 30 points. Amazon lost a Prime member too.

Perfect for a huge Amazon shopper

Credit Karma Member

I have had this card for years and I love it. I earn 5% rewards on purchases and have gotten a lot of free items. I love the 6 month interest free option and I use it all the time. I do have a high limit and I pay off any balance that is not promotional each month. If you don't pay off your cards each month this is probably not a great card for you. The interest rate is too high.

Everything about the card is misleading

Credit Karma Member

Don’t waste your time with the Amazon store card if you’re actually looking to do payment plans, the bank that issues the card will either give a small line of credit or outright deny the transaction you got the card for, I specifically got this card to do the 6 month payment play for a $530 skee ball machine but was declined, when contacting Amazon they were basically helpless and on the 3rd time contacting them about the issue they told me I would have to reach out to the bank regarding an AMAZON CARD, that’s not to mention the fact it is a hard inquiry on your credit and will negatively affect it.

Statement are imposible!!

Credit Karma Member

There is always a problem with the installments and their statements are impossible to understand . Prepare to spend a lot of time on the phone trying to fix problems !!

its the terrible experience

Credit Karma Member

they charge security fee every month and they don't say anything

Stupidest reasoning ever had to listen!!

Credit Karma Member

This card is good till you don't get cancelled by this credit card company for some unknown stupid reason! I have a 100% payment history with them with a credit line of 1,500 and I am a customer from last 2 years...I have a 30% credit balance with them. Recently, mistakenly I tried to make a payment from an account I didn't have money. When I found out my mistake, I cancelled the previous payment and paid with my correct account information. After 10 days, I got notification that my card got cancelled, though I have a 100% payment history!!! Way to go!!!! They are saying that, I did this type of mistake twice in last my account history, so they closed it. Just a question to amazon, I always loved doing business with you, but is this the way you are treating your loyal customer? Just for newcomers and existing card holders, be ready to get your card cancelled for stupid reasons you even can't imagine!

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