As a secured card, Amazon Credit Builder requires that cardholders may become eligible for an upgrade to the Amazon Store Card after as. Those with lower scores may qualify for the Walmart credit card, which is an affiliated, store-only card. Both cards are issued by Capital One, one of the. The Amazon Credit Builder card AMZN, +0.21% will function as a secured credit card, but with the same benefits as Amazon's Store Card. When.
watch the video5 Must Have Credit Cards - Scores Below 670 (2021)
Amazon’s new rewards card targets those with bad credit
Amazon this morning announced the launch of Amazon Credit Builder, a new secured credit card offered in partnership with Synchrony Bank. As the name implies, the card is aimed at those who are looking to build their credit history — either to recover from bad credit or to establish new credit. Like othercredit products Amazon has launched, the card’s big perk is cash back on Amazon.com purchases — in this case, 5% back on purchases if the cardholder is a Prime member.
The Credit Builder card also has no annual fee, offers special financing on purchases, and includes protection from unauthorized charges. As a secured card, Amazon Credit Builder requires that cardholders submit a refundable security deposit in order to get a line of credit from the bank. This funding isn’t available for purchases made with the card, but rather serves as a way to establish a credit limit.
The deposit can range from $100 to $1,000, says Amazon, and is submitted either by electronic transfer (ACH transfer on Amazon) or via mail.
To pay off purchases, the card is unique in that it allows customers to either choose to make 12 months of equal payments or 6/12/24-month 0% periods for select purchases.
Also a part of the product is the ability for cardholders to track their credit improvement over time as they use the card to make purchases on Amazon.com.
The cardholders receive access to their own personal TransUnion CreditView Dashboard, where they can view their VantageScore credit score for free, use a simulator to understand how different activities will impact that score, get fraud alerts and access credit education to help them further improve their credit score.
Other financial education provided by Synchrony is also available.
Amazon says that Credit Builder customers may become eligible for an upgrade to the Amazon Store Card after as little as seven months after opening the Credit Builder account, at which time their initial security deposit would be refunded.
Typically, secured credit cards are offered to people looking to improve their credit — but it’s unusual for a retailer to provide their own secured card. For Amazon, however, offering credit to the under-banked or unbanked is another way of expanding its business to a broader market.
Like many online retailers today, Amazon believes that shopping online shouldn’t be a privilege only for the middle class and up. After all, e-commerce sites may often have better deals than brick-and-mortar stores, and the convenience of shopping online can help customers save both gas money and time — the latter a particular issue for those working multiple jobs to make ends meet.
To cater to the under-banked and craigslist homes for rent st petersburg fl customers, Amazon already offers a low-cost version of Amazon Prime for those on government assistance programs in the U.S., including Temporary Assistance for Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP), Women, Infants, and Children Nutrition Program (WIC) and, as of last year, Medicaid.
More recently, it and other retailers like Walmart began participating in a USDA trial focused on allowing SNAP recipients to shop for groceries online.
While Amazon’s new card may make sense for those on a path to building better credit, it may be better for those who are looking to upgrade to the Amazon Store Card in the future, rather than simply repair their poor credit history.
The card, consumers should note, carries a high APR of 28.24% — higher than the average median APR for retail cards (25.64%).
“This is a solid option for people who are new to credit or rebuilding their credit after prior missteps, but there are some risks to be aware of,” notes Ted Rossman, industry analyst for CreditCards.com.
“It’s always important to pay your credit card bills in full, and that’s especially true with this card. The interest rate is very high — 28.24% — and if you fail to pay a 0% promotional offer in full by the time the term expires, you’ll be charged retroactive interest on the average daily balance going back all the way to the original purchase date,” he says.
However, Rossman concludes that when the card is used properly, the card could be useful in improving credit while receiving the cash-back perk.
Customers can visit the Amazon Credit Builder page to sign up for the card.
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How to use Amazon to avoid credit card shutdowns
Editor’s note: This post has been updated with the latest information.
One of the big mistakes in the credit card hobby is having an old credit card account closed for lack of use. This may have a negative impact on your credit score — both from an average age of accounts and a utilization perspective.
Credit card issuers don’t want to keep a cardholder around who doesn’t spend money on his or her card. Even if you don’t use benefits from a card, there’s a cost for issuers just to maintain your account, which is why credit card companies may eventually shut down inactive accounts.
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Strategy for “sock-drawered” cards
The easiest way to prevent this is pretty obvious: spend on the credit card. But or cards that you have “sock-drawered” — or stashed somewhere, since you don’t have room in your wallet — cycling through all of the unused cards via day-to-day purchases can be a hassle.
Enter Amazon’s Reload Your Balance option, through which the e-tailer will let you use a credit card to reload your balance. You can reload any amount above $0.50, and Amazon doesn’t care how many cards you use. Case in point: I have 38 cards in my Amazon profile.
Related reading:Ordering from Amazon? You could earn 5x bonus points on your next purchase
About every six months, I review the credit cards that I haven’t used recently and load $5 from each one onto my Amazon Gift Card balance:
You could do less than $5, but some issuers won’t bother to bill you for smaller purchases. For example, I’ve had a $0.99 Amazon reload waived by Barclaycard. Not wanting to tempt fate and have these smaller purchases not reset the inactive account clock, I use $5 reloads.
(While we’re on the topic, Amazon Reload Your Balance is also a great way of getting rid of any Visa or American Express gift cards you may have received. Amazon doesn’t mind taking prepaid gift cards — whether it’s a brand-new one that you got as a gift or the last $2.46 that you have on a card that you just can’t figure out how to use.)
You might be wondering what to do with all of this money you’re accumulating in your Amazon account. If you’re like me, you still want to get good purchase protection and price protection on goods you buy, as well as excellent travel insurance for flights you book. So, you’ll still want to use your credit card for most purchases. The best use of these funds is for general household items, either purchased through Amazon or by buying a gift card through Amazon for stores like Bed Bath and Beyond, Whole Foods and others.
For me, since I’m on the road all the time, I usually end up buying Airbnb gift cards on Amazon with my balance. Unfortunately, this means that I miss out on 3x earnings on my Chase Sapphire Reserve, but it’s an easy way for me to use up the funds.
Related reading:Should you redeem Amazon Prime Card rewards for travel?
Additional reporting by Chris Dong.
Featured photo by Thomas Trutschel/Photothek via Getty Images.
Welcome to The Points Guy!
10 Best Interest-Free Credit Cards in 2022
Interest rates on the rise and the cost of living on the rise? It’s time to find a better way to manage your money. Interest-free credit cards are one way to combat these rising costs. When you use them responsibly, they can be a great budgeting tool that you can rely on to help you live frugally. When you’re looking for the best interest-free valley national bank small business login card in 2022, there are several factors to consider. You’ll want to carefully weigh the benefits and drawbacks of each one before making your choice.
For instance, some cards offer better perks than others, while others allow you to choose how much money you can spend each month. Some cards charge higher fees than others or have limits on where you can use them. Here are 10 of the best interest-free credit cards that will fit your needs perfectly.
What to Consider?
When you’re shopping for the best interest-free credit card, there are many factors to consider. You’ll want to carefully weigh the benefits and drawbacks of each one before making your choice.
For instance, some cards offer better perks than others, while others allow you to choose how much money you can spend each month. Some cards charge higher fees than others or have limits on where you can use them.
The decision to choose an interest-free credit card is primarily based on how you’ll use it. You’ll need to decide if it will be your primary card or just an option when you’re in a pinch.
Read: Best Credit Cards for Shopping online in 2022
For example, suppose you’re applying for a average credit score for amazon store card that will be your primary card. In that case, you’ll want to consider the monthly fee, the amount of money you can spend each month, and the perks offered with the card. If it is an option when you’re in a pinch, you’ll want to consider the purchase and ATM withdrawal limits. Regardless of your situation, there is a perfect card for you! Find the one that is right for you and reap the benefits.
The Top average credit score for amazon store card Interest-free credit Cards in 2022
Here are the top 10 interest-free credit cards to consider:
1. Citi Simplicity Card
The Citi Simplicity Card is a good option for people with good credit who plan to pay their monthly balance in full and on time. This card offers a 0% intro APR on purchases and balance transfers for the first 18 months.
After that, the variable APR will be 15.24% to 25.24%, depending on your creditworthiness. The specific card is cowan realtors lima ohio real estate office for people with is the amazon com store card worth it credit, and you’ll see a hefty 23.99% interest rate on new purchases and balance transfers if you have a credit score below 700.
The Citi Simplicity Card is not designed for people with bad credit. It has a minimum credit score requirement of 660. The Citi Simplicity Card also has no rewards program. The First volunteer bank app Simplicity Card is the best credit card for people with good credit. It’s suitable for people who want to build credit or people who want to get out of debt.
This card will help you by reporting to the three major credit bureaus if you’re building credit.
2. Wells Fargo Reflect Card
This card is specifically made to entice people who currently do not have any credit cards or debit. Wells Fargo wants you to use this card to build your credit rating, which the card is designed for. If you use it to pay off debt, you lose the 0% introductory interest rate.
Well, it is a very cleverly planned scam. The Wells Fargo reflect card is free in the sense that you will not have to pay for it in any way. But the interest-free interval is, in fact, a ticking bomb. For example, take a cash advance of $1 000 using the card, then after the promotional period, i.e., six months. You will have to pay 22% interest on the cash advance, which is $230. Also, remember that you are borrowing money at 0% interest only when the money is in the card itself.
Therefore, it is advised to use this card only in emergencies or when you have your money in another investment already. If you plan to use the card frequently, it will cost you a lot in the long run.
3. U.S. Bank Visa Platinum Card
The U.S. Bank Visa Platinum card is an excellent choice if you can qualify for it. Average credit score for amazon store card offers a great line of credit as well as a great rewards program. This card is great because it provides a credit limit that is high enough to have a perfect line of credit. It also offers a card that is easy to qualify for, making this card very convenient.
U.S. Bank Visa Platinum Card is the kind of credit card you need when you have good credit. It gives a grace period of a year before you have to start paying interest on your outstanding balance.
Moreover, its 0% introductory rate makes it an excellent choice for someone with a small balance. However, an outstanding balance can lead to a hefty bill. If you have a good balance, it will be an excellent choice for you as you can pay as much as you want as long as it is within the grace period.
In addition to this, the Platinum card is an excellent card for those who use credit cards as a security measure. It is a great way to protect your money from thieves and those who might borrow from you without your knowledge. It keeps a record of all transactions and alerts you when there is suspicious activity.
4. Citi Double Cash Card
The Citi Double Cash has a few advantages going for it. The interest-free months mean you can put off your first interest charge for a few months. But the grace period is not as long as comparable cards from Bank of America or Wells Fargo.
Also, the financing offers available on the Citi Double Cash are not as good as those on the other two double cash mountain america credit union west jordan. Finally, the balance transfer fee of 3% is not as reasonable as the 0% balance transfer offer on the other two cards.
Double Cash’s most significant selling point is its simple Cashback APR of 1% on all spending, plus 1% on all payments. This is the average credit score for amazon store card offer available from any credit card. In summary, the Citi Double Cash is a solid cash back card. However, it is overshadowed by the offerings from other card issuers.
5. Amex EveryDay Credit Card
Amex EveryDay Credit Card is an exceptional card. The best feature of this card is that it is an interest-free card. This card is designed for people who pay off their balance in full every month. This card has no annual fee. Or you can say it is a free credit card. The best part is that you will earn 10% back on your purchases, up to $1000 per quarter. You can use this ‘AmexEveryDay.com’ membership rewards point for paying at Amazon.com, booking travel, paying your bills, etc. Plus, you will also get ‘Travel Benefits.’
This means you can enjoy many travel-related perks. E.g., if you make a purchase on a travel site using this card, you will get a credit of up to $50 towards travel purchases.
6. Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne Cash Rewards Credit Card’s attractive 2% cashback on dining and entertainment encourages spending on the everyday purchases that earn the most points. The Capital One SavorOne Cash Rewards Credit Card’s $500 introductory bonus is another perk, effectively reducing the purchase rate to 0%* for the first year. However, that bonus is subject to change at any time.
If you’re looking to consolidate debt but would like to continue using credit, this may be the card for you. Cashback rewards cards like Capital One SavorOne Cash Rewards Credit Card aren’t suitable for everyone, but this could be the black keys brothers cd color change card for you.
7. Chase Freedom Unlimited
Chase Freedom credit card is a good choice in 2022 for a low interest rate. There are many choices of credit cards available in the market. One of the best credit cards provides a reasonable interest rate on a good credit score. It is an excellent interest-free card.
They have a very generous cashback program, and there are many things to do to get free Cash. It is a good offer from the credit card provider. You can get this credit card without any problem. It is easy to get a credit card. You can get this card without any credit check. You can use this card very easily.
8. American Express Cash Magnet Card
American Express Cash Magnet Card is a credit card. Many merchants widely accept it. Customers are not charged interest on purchases if paid in full every month. Customer’s purchases are protected against fraud by Maestro fraud online security guarantee.
The American Express Cash Magnet™ Card earns 2% cashback on purchases of $200 or more at grocery stores and wholesale clubs, up to a maximum of $6,000 per year. Cashback is received as a credit on your statement.
Suppose Maestro fraud online security guarantee detects fraudulent activity on the account. In that case, the total amount of the unauthorized charges, up to $250, is immediately credited back to the account. So overall, it’s an excellent credit card.
9. Blue Cash Everyday Card from American Express
The American Express EveryDay Credit Card is the best option. However, another great option is the Chase Freedom Credit Card. Both of these credit cards offer unlimited 1.5% cash back on ALL purchases, including the grocery store! You have to be careful of only two things, one being the 3% foreign transaction fee. The other is that these are credit cards, so interest rates are higher than you would find on a department store card.
The American Express EveryDay Credit Card is the best option. However, another great option is the Chase Freedom Credit Card. Both of these credit cards offer unlimited 1.5% cash back on ALL purchases, including the grocery store!
You have to be careful of only two things, one being the 3% foreign transaction fee. The other is that these are credit cards, so interest rates are higher than you would find on a department store card.
10. Citi Custom Cash Card
Citibank’s Citi Custom Cash Card is a particular credit card issued to users with average credit scores. It is not a credit card, in a sense usually thought of. If you decide to carry a balance on the card, then the interest rate is zero. The catch, though, is that you can only have a balance on this card for a maximum period of 30 days. After that, the interest rate jumps to a pretty high 26.99%.
And, this is compounded, so you pay interest on the interest. It is imperative that you pay off the card before the grace period ends. Do so, and you can avoid paying interest on your purchases. The Citi Custom Cash Card is probably the best option for someone with average credit. Citibank has a good reputation, and the card will help to build your credit. It is an excellent first card, and you should only use it if you don’t intend to carry a balance on it.
Choosing the right card for you is a difficult decision. However, we hope that we’ve given you a few things to think about and some ideas for what would work best for your needs. We recommend you take your time and look at all the details of each card before deciding which one is right for you.
Credit Score for Amazon Credit Card?
Q: I was thinking about applying for the Amazon credit card, but my credit score isn’t excellent.What is the minimum score required to be approved for this card?
A:There are several Amazon credit cards available, but for theAmazon Store Card, your credit doesn’t need to be excellent.
Amazon, like most credit card issuers, doesn’t share all of its requirements for qualification, probably because they change from time to time based on whatever is profitable at the moment.
With this said, several customers with credit scores in the low 600s, and even one with a score in the upper 500s, have recently managed to get approved for Amazon store credit cards.As long as your score is in the “fair” range, you don’t have any major black marks on your credit report (like a bankruptcy), and you have income coming in, you should be able to score their store card.
The “fair” range changes depending on who you ask, but it’s around 640-680.This isn’t an elite card, so don’t be afraid to try if you’re near this mark.
You should alwaysbeware of high-interest rate credit cardsand the Amazon store credit card does have a high APR.
Like most store cards, the interest rate for Amazon’s card is around 25.99%.This is not the kind of card that you want to keep paying off for years.They do average credit score for amazon store card some financing offers where you don’t have to pay interest if you pay off the purchase within 6 or 12 months, but don’t be late or you’ll have to pay interest from the beginning of the promotional period, not the end of it.
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Looking for the Amazon Rewards Credit Card?
There’s also an Amazon Rewards Visa cash back card (read our review here) that isissued by Chase, though you need to sign up on Amazon’s site.
This card requires credit scores in the “good” range (around 660 – 720).But with it, you do get the opportunity to earn 3% cash back rewards that you can apply to your Amazon.com purchases as the rewards are earned.(They just recently added the option to apply your rewards as a payment method at checkout.)
Looking for a Credit Card with Poor Credit?
If you currently have only limited, poor, or average credit, and are looking for a real credit card, we currently recommend theMilestone® Gold Mastercard®instead average credit score for amazon store card the Amazon.com Card.
This is because the Milestone® Gold Mastercard® allows you to see if you’re pre-qualified before you apply for the card – so you don’t have to risk having your credit pulled, only to be denied a card.
The Milestone® card is a Mastercard® which means that it can still be used on Amazon and at millions of merchants around the world.And your application will be considered even if you have a prior bankruptcy.
The Supply Side: More retailers offer ‘buy now, pay later’ holiday financing
Buy now, pay later financing is becoming a must-have for Walmart, Amazon, Target and a host of other retailers ahead of the holiday buying season. Walmart was the king of layaway for years and provided consumers the option to purchase holiday gifts or other big-ticket items on time for no added charge.
One caveat was that the consumers had to regularly pay on the layaway items, and the purchase must be completed and picked up at the store by Dec. 15.
Consumers this year don’t have that option. Walmart recently moved to a new financing program offered by Affirm, a finance company that provides installment loans for retail purchases over a set time.
Peggy Knight, vice president of Woodridge Retail in Rogers, spent 22 years at Walmart before exiting the company in 2006 as senior director of financial services. Knight said the move to Affirm is not a replacement for layaway. She said many customers who typically use layaway are non-banked and often deal in cash. Affirm and other buy now, pay later finance programs require a bank account or credit card on file, which is debited monthly for the payments.
“This new program looks like it might be leaving some of the core shoppers at Walmart out of luck this holiday,” Knight said. “I can certainly understand that layaway requires more labor hours, and there is the issue of having to store the items often in containers out behind the store or in the back rooms.
“But there is no way to value all the good publicity Walmart has gotten over the years when celebrities would go into random stores and pay off everyone’s layaway ahead of Christmas.”
The other problem with comparing layaway to Affirm financing is that Walmart did not charge interest for holding the items and letting customers make regular payments. Affirm does charge interest in most cases which is determined by credit score. Walmart said most purchases would incur a charge with an APR rate between 10% and 30% depending on credit rating and the item purchased. Some things are still eligible for a 0% APR rate, but that will typically be a promotional offer affecting certain items only.
It is not the first time Walmart has shelved its holiday layaway program. The company cut layaway in 2006, citing a lack of customer interest.
The company brought it back in 2011 on a limited basis and reinstated the program in 2012 under then-Walmart U.S. CEO Greg Foran.
Walmart recently said that it opted out of layaway this year because of waning use over the past few years. Walmart executives have said they are confident that the retailers’ payment options now are the right solutions for customers today.
Scott Benedict, director of retail studies at Texas A&M University, said he understood the reasoning behind shelving layaway amid labor constraints and the cost of storing items.
“Affirm and other pay-over-time solutions have become far more prevalent in the past few years as consumers have done more shopping online for everything,” Benedict said. “Target has not traditionally offered layaway and is now offering Affirm financing, and that’s a smart move on their part.”
Target recently announced that customers could apply for Affirm financing for purchases over $100. Target also partnered with Sezzle, another payment solution that allows consumers to pay over time with no interest. The Sezzle option, like the Affirm payment plan, does require consumers to apply, and their credit limit varies by credit score and ability to repay.
Consumers who shop through the Sezzle app can place their orders. Sezzle then pays Target for the total purchase. Consumers then set up a repayment plan which is typically four to six weeks depending on the size of the order. Sezzle does not charge interest, but consumers must have a bank account or preloaded Visa or Mastercard debit card by which they pay for the purchase.
“We know our guests want easy and affordable payment options that work within their family’s budget,” said Gemma Kubat, Target’s president of financial and retail average credit score for amazon store card. “Through our partnerships with Affirm and Sezzle, Target is investing in new financial tools that make our shopping experiences more flexible and personalized to guests’ needs, right in time for the holiday season.”
Bed Bath & Beyond, Macy’s and Amazon have also recently begun to offer shoppers buy now, pay later options for select purchases.
Mark Vinter, a senior economist at Wells Fargo Securities, recently said the buy now, pay later finance market was already making a splash before the pandemic and now looks to amplify ahead of the holiday season. He said the most significant players in buy now, pay later financing are Affirm, Klarna, Paypal’s Pay in 4 service and Afterpay, which was recently acquired by mobile-payment platform Square.
Vinter said part of the popularity of the services is because it is cheaper than paying with most credit cards that will charge higher interest rates. He said it’s also an option for consumers who don’t want to go through extensive credit checks and those who may not have high enough credit scores to get traditional cards. He warns that flexibility in payment options is better called “point of sale financing,” saying it could lead some consumers to make purchases they truly cannot afford. Vinter said some governments such as the United Kingdom have begun to regulate the buy now, pay later finance industry.
Vinter said stimulus and monetary support kept many households afloat amid the pandemic, and credit scores on average improved as lockdowns limited spending options.
“Consumers remain in a very good position. Still, the growing popularity of these programs invites some credit risk, especially since they are in high demand among younger generations who tend to already struggle the most with credit card debt going into serious delinquency. Also, while some of these programs do not have interest rates, others can have larger repercussions for missed payments,” Vinter said.
A recent survey by consulting group McKinsey estimated that buy now, pay later platforms have siphoned between $8 billion and $10 billion in annual revenues from banks and credit card companies in the past 18 months. McKinsey also estimates the point-of-sale credit will make up between 13% and 15% of unsecured lending balances by 2023, rising from 7% in 2019. The survey also found that 60% of respondents said they were likely to utilize point of sale programs in the next six months to a year.
Editor’s note:The Supply Side section of Talk Business & Politics focuses on the companies, organizations, issues and individuals engaged in providing products and services to retailers. The Supply Side is managed by Talk Business & Politics and sponsored by Propak Logistics.
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