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Amazon’s new credit card helps you get into debt with your own money. Have bad credit? Don’t worry, Amazon has a solution for you. The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores. In partnership with Synchrony Bank, the “Amazon Prime Store Card Credit Builder” lets people put down a refundable security deposit, which will be used to set the card’s total credit limit. Synchrony will then collect that deposit from you and give you a line of credit. 

From there, people can spend money on amazon.com using their new credit from money they footed. Depending on how much money they spend on the card, users get 6, 12, or 24 months of no interest. (If people spend less than $149 with the card, they can’t get this promotional financing.) The card’s APR is 28.24%. 

According to WalletHub, the average interest rate for people with fair credit is 22.99%, and the average store credit card interest rate is 25.76%. The idea behind this program is to attract a lot of new customers. That is, people with poor credit to buy items on Amazon and repay in time, which will increase their credit scores and thus give them the opportunity to get another credit card, one that doesn’t require them to prepay the credit line in full.

本时文内容由奇速英语国际教育研究院原创编写,未经书面授权,禁止复制和任何商业用途,版权所有,侵权必究!(作者投稿及时文阅读定制请联系微信:400-1000-028)

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