When I signed up for Amazon’s credit card it was because 5% back is a meaningful amount given we spend >=$25k a year on Amazon. Using the card we do: ~400 order

When I signed up for Amazon’s credit card it was because 5% back is a meaningful amount given we spend >=$25k a year on Amazon. Using the card we do: ~400 orders a year online; ~2 shops a week at Whole Foods; 2-3 lunches a week at Amazon Go. I’ve had to reach out a few times to Chase for support. As I recall the limit Chase offered was very clearly stated and it was >$500 but not incredibly high compared to other credit card products we had obtained in the last 1-2 years. They will raise it after 6 months of responsible usage but certainly not immediately. Anything over 30% credit utilization seems to have the potential to impact your credit scoring negatively. Length of financial relationships is also a factor in credit scoring. Little or none of this is unique to Amazon’s card via Chase. It is unfortunate you got tripped up and I’m sorry to hear about your experience and the repercussions, however it seems somewhat unfair to blame Amazon to me. It seems to me: 1. You failed to notice the credit limit was $500 2. You maxed out the credit limit 3. You didn’t have AutoPay configured 4. You didn’t want to sign up for online banking but equally want to complain about phone support 5. You canceled the card 6. You didn’t do any research or apparently have any understanding of how U.S. credit scoring works Many of your statements imply a certain naivety on credit products, and I think you should examine how much fault here is really Amazon or Chase, and how much is personal. Sorry again.