Prime Visa and Amazon Visa

Prime Visa and Amazon Visa

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Customer reviews

4.2 out of 5 stars
4.2 out of 5
109,426 global ratings
Worst credit card experience as customer.
1 out of 5 stars
Worst credit card experience as customer.
I applied for this card making sure my credit score was good enough to obtain it. I hate the feeling there are things out of my control so I studied all the requirements before sending the request. I'm a declared fan of all Amazon's products, this couldn't fail.After a few days I got a letter from Chase asking me for some details such as my SSN card and a proof of residence. Fair. During that day, I went to a Chase office in person to show all my papers, and they said "you're approved". Effectively, I got my card a week later. It came with a described list of all basic steps: how to activate it, sign in for online account, etc. Even my Amazon account automatically assigned this card as my default payment method. To make sure it was properly working, I bought a couple of stuffs on Amazon without using the $70 gift card. I thought "I can use the benefit later" and it worked as expected.Sounds like a nice story, right?Well, next day I tried to pay my lunch with my brand-new Amazon Prime Visa but it was rejected. I didn't pay much attention and I just called by the end of the day to Chase. Surprise was to hear they'd decided to close my card without immediate notice. In addition, they said they didn't have access to the actual reasons. They just said I had to wait seven to ten days for a letter with the reasons. I must be honest, I was totally upset with this situation and I thought to send this feedback right away. But, what is a good review without the whole story?Today I got the glorious letter. The reason? NOT ENOUGH CREDIT INFORMATION ON FILE.Really? Don't they have the chance to check this after asking me for my SSN, ID, creating a hard inquiry on my credit score, etc? Don't they have the chance to check this information BEFORE SENDING THE PHYSICAL CARD?I thought Chase + Amazon = best combination.Now, for the very first time, I cannot recommend an Amazon product.
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Top reviews from the United States

Abby
1.0 out of 5 stars Predatory interest policy - and I am a loan underwriter!
Reviewed in the United States on March 19, 2018
Style: Amazon Visa
This card has sneaky interest rate policies that you should be aware of prior to getting the card. I am a loan underwriter and credit analyst, so this experience was particularly irritating because I know exactly how credit cards work! I received my first statement and paid all but $25 (by accident, meant to pay in full) on time. So my carryover balance was $25, which I would expect to be charged interest for. However, on the next statement I see I have been charged interest for the full balance PLUS my new purchases, of which I was still within the grace period at that point. This happened again the following month. So I called Chase and was told that for this particular card, if you don't pay the balance in full they charge interest on the TOTAL balance - not the carry-over balance like most other credit cards, which in my case was $25 - PLUS they will forego the grace period on your current purchases! I told them I won't be using this card anymore, and that this is predatory. Beware, if you can't pay the balance in full by the due date each month, the interest you will be charged is not worth the rewards; you will wind up spending more on interest than you will receive back. My FICO is in the 800s and they are charging over 15% APR - with no grace period because of that $25 carryover the first month - so I imagine the average interest rate on this card is well over 20%. There are much better reward cards out there that don't practice usury.
98,471 people found this helpful
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Nancy
4.0 out of 5 stars To often need to verify my identity
Reviewed in the United States on July 18, 2024
Style: Prime Visa
I have had to verify my identity so many times lately and it has caused delays in my purchases.
I understand that there are scammers, but, if I am buying something I have already purchased and paid for, the next time, I should not have to. My account was on hold and I did not even know it, until I checked on the delivery of an item. No phone call from Amazon. I am not on my computer every minute of the day to check emails. It took a lot to be able to talk to a real person.
Otherwise, I love the card and the rewards.
8 people found this helpful
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Jorge Torres
1.0 out of 5 stars Worst credit card experience as customer.
Reviewed in the United States on February 12, 2019
Style: Prime Visa
I applied for this card making sure my credit score was good enough to obtain it. I hate the feeling there are things out of my control so I studied all the requirements before sending the request. I'm a declared fan of all Amazon's products, this couldn't fail.
After a few days I got a letter from Chase asking me for some details such as my SSN card and a proof of residence. Fair. During that day, I went to a Chase office in person to show all my papers, and they said "you're approved". Effectively, I got my card a week later. It came with a described list of all basic steps: how to activate it, sign in for online account, etc. Even my Amazon account automatically assigned this card as my default payment method. To make sure it was properly working, I bought a couple of stuffs on Amazon without using the $70 gift card. I thought "I can use the benefit later" and it worked as expected.

Sounds like a nice story, right?

Well, next day I tried to pay my lunch with my brand-new Amazon Prime Visa but it was rejected. I didn't pay much attention and I just called by the end of the day to Chase. Surprise was to hear they'd decided to close my card without immediate notice. In addition, they said they didn't have access to the actual reasons. They just said I had to wait seven to ten days for a letter with the reasons. I must be honest, I was totally upset with this situation and I thought to send this feedback right away. But, what is a good review without the whole story?

Today I got the glorious letter. The reason? NOT ENOUGH CREDIT INFORMATION ON FILE.

Really? Don't they have the chance to check this after asking me for my SSN, ID, creating a hard inquiry on my credit score, etc? Don't they have the chance to check this information BEFORE SENDING THE PHYSICAL CARD?

I thought Chase + Amazon = best combination.

Now, for the very first time, I cannot recommend an Amazon product.
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Jorge Torres
1.0 out of 5 stars Worst credit card experience as customer.
Reviewed in the United States on February 12, 2019
I applied for this card making sure my credit score was good enough to obtain it. I hate the feeling there are things out of my control so I studied all the requirements before sending the request. I'm a declared fan of all Amazon's products, this couldn't fail.
After a few days I got a letter from Chase asking me for some details such as my SSN card and a proof of residence. Fair. During that day, I went to a Chase office in person to show all my papers, and they said "you're approved". Effectively, I got my card a week later. It came with a described list of all basic steps: how to activate it, sign in for online account, etc. Even my Amazon account automatically assigned this card as my default payment method. To make sure it was properly working, I bought a couple of stuffs on Amazon without using the $70 gift card. I thought "I can use the benefit later" and it worked as expected.

Sounds like a nice story, right?

Well, next day I tried to pay my lunch with my brand-new Amazon Prime Visa but it was rejected. I didn't pay much attention and I just called by the end of the day to Chase. Surprise was to hear they'd decided to close my card without immediate notice. In addition, they said they didn't have access to the actual reasons. They just said I had to wait seven to ten days for a letter with the reasons. I must be honest, I was totally upset with this situation and I thought to send this feedback right away. But, what is a good review without the whole story?

Today I got the glorious letter. The reason? NOT ENOUGH CREDIT INFORMATION ON FILE.

Really? Don't they have the chance to check this after asking me for my SSN, ID, creating a hard inquiry on my credit score, etc? Don't they have the chance to check this information BEFORE SENDING THE PHYSICAL CARD?

I thought Chase + Amazon = best combination.

Now, for the very first time, I cannot recommend an Amazon product.
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66,586 people found this helpful
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Kari Lundy
4.0 out of 5 stars Quick and Easy When Using With Amazon.com
Reviewed in the United States on July 18, 2024
Style: Amazon Visa
Rewards might be slow to grow, but are generally worth it over all. Low rates as long as you pay on time, even if it's just the minimal amount (though paying the minimal amount means paying more over all).
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