Does the Amazon Store Card do a hard pull? This question is about the Amazon.com Store Card

Does the Amazon Store Card do a hard pull?

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This question is about the Amazon.com Store Card

Peter Fox, WalletHub Analyst

@PeterFox • 10/26/21 This answer was first published on 06/18/19 and it was last updated on 10/26/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Amazon Store Card will do a hard pull, also known as a hard inquiry, which may cause your credit score to temporarily go down a few points. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Amazon Store Card.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.

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ashtinmstodghill11, Member

@ashtinmstodghill11 • 10/31/21 This answer was first published on 09/09/21 and it was last updated on 10/31/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes they do a hard pull! When they ran mine I did not know that and it dropped my credit score 56 points.

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ashtinmstodghill11, Member

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Yes they do a hard pull! When they ran mine I did not know that and it dropped my credit score 56 points.

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What credit score do you need for the Amazon Store Card?

The Amazon.com Store Card requires a credit score of at least 640. That means people with fair credit or better have a shot at getting approved for this card. The better your credit score is, the higher your approval odds will be.

Other Amazon.com Store Card Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the...

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Does the Amazon store card affect your credit score?

Yes, the Amazon.com Store Card does affect your credit score, but the exact impact depends on how you use the card. If you make payments on time and keep your credit utilization low, your score should increase, but it will decrease if you don’t.

In addition, applying for the card has a small negative effect on your credit, and closing the card can hurt your score as well. If you want to estimate how the Amazon.com Store Card might affect your credit...

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How do I contact the Amazon Store Card reconsideration line?

To contact the Amazon.com Store Card reconsideration line, call 1 (866) 419-4096. The Amazon.com Store Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Amazon.com Store Card, the reconsideration line is the same as the general Synchrony Bank customer service number.

If you call to request reconsideration from Synchrony Bank, make sure you are prepared to make an argument for why you should be...

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