Chip Lupo, Credit Card Writer
@CLoop
Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows Synchrony Bank to determine your credit risk and ultimately decide whether you’ll be approved for an account.
The Amazon Store Card is available to people with at least fair credit. You can check your credit score by signing up for a free WalletHub account. You’ll have access to free credit scores and free credit reports, both updated daily.
You can also check to see if you pre-qualify for the Amazon Store Card by using the Synchrony Bank pre-qualification page. Checking if you’re pre-qualified does not affect your credit score, as it only involves a soft pull. Keep in mind that p e-qualification does not guarantee you’ll be approved for the Amazon Store Card, though. It only indicates that your odds of approval are high.
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People also ask
What is the Amazon Store Card credit score requirement?
The Amazon Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Amazon Store Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Amazon Store Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you...
read full answer by Maria Adams, Credit Cards ModeratorDoes the Amazon Store Card build credit?
Yes, the Amazon Store Card may help you build credit, since Synchrony Bank reports account information to the credit bureaus each month. Making on-time payments and keeping your balance low can help improve your score. On the other hand, missing payments and maxing out your credit limit can hurt your score.
Just note that while you can build credit with this card, you won't be able to start from scratch with it. You need a solid credit...
read full answer by Adam McCann, Financial WriterHow do I apply for the Amazon Store Card?
The only way to apply for the Amazon Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank’s website.
Keep in mind that the Amazon Store Card requires fair credit, which means you need a 640+ credit score for high approval odds. . Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So,...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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