Amazon Classic Mastercard

almanak

Have anyone used it? Any experiences?
Does it build your credit history?
Can you use it as normal credit card in the UK shops or reserved for Amazon purchases only?
Do you have to use it regularly on Amazon?
Is it easy to get the one?

cymruchris

I've used an Amazon mastercard.

Any credit card builds your credit history if you manage it correctly.

It's a normal credit card with an Amazon branded face provided by an external credit card company - Newday.

You use it like you would any credit card - you buy things when you need them.

It has criteria like every credit card. They have an eligibility checker to find out your likelihood of success. 

wiseonesomeofthetime

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.

Twelve months later, after using it for small purchases each month (£10 Amazon Top-Up), they upgraded it to the Amazon Platinum Mastercard, so now earning Rewards (voucher cashback).

I would suspect that those who put the majority of their monthly spend on it may have an issue with a low credit limit (until statement pad in full and available credit reinstated), however, it is fine for my use, which is mainly shopping at Amazon, where I get effectively 1.5% cashback (0.25% elsewhere).

TadleyBaggie

wiseonesomeofthetime said:

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.where).

Mine had a £7500 limit, what you initially get all depends on your individual circumstances.

[Deleted User]

wiseonesomeofthetime said:

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.

Twelve months later, after using it for small purchases each month (£10 Amazon Top-Up), they upgraded it to the Amazon Platinum Mastercard, so now earning Rewards (voucher cashback).

I would suspect that those who put the majority of their monthly spend on it may have an issue with a low credit limit (until statement pad in full and available credit reinstated), however, it is fine for my use, which is mainly shopping at Amazon, where I get effectively 1.5% cashback (0.25% elsewhere).

Someone getting a low credit limit almost always won't be someone who can afford to spend to the limit anyway so largely moot. I typically spend £400-£600 a month on my cashback card, got the new Lloyds one with £4k limit, replacing my old Halifax one with £6k limit, either way not getting near the limit of spending

Dandytf

Amazon card, though very light 2021 user.
3750 limit, only 112 to clear.
Have a few hundred reward points, more 6 mths 0% t/fer  and money offers.
Edited 7.88 interest added.

enjoy OP  if you choose to apply.

almanak

cymruchris said:

I've used an Amazon mastercard.

Any credit card builds your credit history if you manage it correctly.

It's a normal credit card with an Amazon branded face provided by an external credit card company - Newday.

You use it like you would any credit card - you buy things when you need them.

It has criteria like every credit card. They have an eligibility checker to find out your likelihood of success. 

I've read somewhere that you cant pay in all the shops so was concerned. Also that there might be problems with transferring money there and I NEED to pay it in FULL each month. Have been checked and do qualify but didn't apply yet as do not want to have any issues. Thanks!

cymruchris

almanak said:

cymruchris said:

I've used an Amazon mastercard.

Any credit card builds your credit history if you manage it correctly.

It's a normal credit card with an Amazon branded face provided by an external credit card company - Newday.

You use it like you would any credit card - you buy things when you need them.

It has criteria like every credit card. They have an eligibility checker to find out your likelihood of success. 

I've read somewhere that you cant pay in all the shops so was concerned. Also that there might be problems with transferring money there and I NEED to pay it in FULL each month. Have been checked and do qualify but didn't apply yet as do not want to have any issues. Thanks!

Mine is paid in full each month by direct debit - if I spend a lot - I can also make additional payments via the app very easily. 

almanak

TadleyBaggie said:

wiseonesomeofthetime said:

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.where).

Mine had a £7500 limit, what you initially get all depends on your individual circumstances.

and did anyone have situation that it appeared that after initial given credit limit it appeared that finally it is a smaller limit and to use on Amazon only?

cymruchris

almanak said:

TadleyBaggie said:

wiseonesomeofthetime said:

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.where).

Mine had a £7500 limit, what you initially get all depends on your individual circumstances.

and did anyone have situation that it appeared that after initial given credit limit it appeared that finally it is a smaller limit and to use on Amazon only?

No.......

wiseonesomeofthetime

Deleted_User said:

wiseonesomeofthetime said:

My Amazon Classic Mastercard came with a low credit limit of £1,200, which was not a great issue for me as I got it for the free £25 that came with it.

Twelve months later, after using it for small purchases each month (£10 Amazon Top-Up), they upgraded it to the Amazon Platinum Mastercard, so now earning Rewards (voucher cashback).

I would suspect that those who put the majority of their monthly spend on it may have an issue with a low credit limit (until statement pad in full and available credit reinstated), however, it is fine for my use, which is mainly shopping at Amazon, where I get effectively 1.5% cashback (0.25% elsewhere).

Someone getting a low credit limit almost always won't be someone who can afford to spend to the limit anyway so largely moot. I typically spend £400-£600 a month on my cashback card, got the new Lloyds one with £4k limit, replacing my old Halifax one with £6k limit, either way not getting near the limit of spending

My low limit is nothing to do with my ability to pay, as I have more than ample funds.

Probably more to do with the available credit on the four other credit cards I hold, although largely unused as I pay in full each month.

I used the Amazon card this year to pay for car repairs and insurance renewals (for the points), either side of a statement production, and it took me to within £5 of my credit limit, making the card largely unusable until the DD for the car repairs element went through (full amount of that month statement).

So I think lower limits make turnover more difficult, unless you want to make additional payments prior to the DD.