I just applied for "Amazon Prime Rewards Visa Card" as I do lot of Amazon Shopping. But I received the below message after submitting my application:

Thank you for Applying. Unfortunately, your application for the Amazon Prime Rewards Visa card could not be approved by _____.

___ Will notify you in writing about the decision in 30 days. Thank you for applying.

I do not have any credit history. I am assuming that could be the reason. I was recently approved for another credit card.

But does this not approved status have any impact on my credit score?

  • 4
    Be sure to read the letter you get from Chase. They may offer the opportunity to contact them to have your application reviewed/reconsidered (by a person, not a computer) if your's is an edge case.
    – CactusCake
    Sep 21, 2017 at 15:39
  • 1
    @CactusCake +1 on this. I've been declined before simply because I used a new address that wasn't yet on my credit report. It's worth the effort to talk to the reconsideration people.
    – quid
    Sep 21, 2017 at 17:28

1 Answer 1


Getting rejected for a credit card does not impact your credit score.

However, applying for a credit card, whether or not you are approved, does impact your score temporarily. Each time your credit report is accessed by a creditor, an "inquiry" instance appears on your credit report. These inquiries stay on your credit report for two years, although it is reported that the inquiries only affect your FICO credit score for one year.

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