Bests & Worsts Reviews from Amazon

I think a lot of people aren't aware of Chase Bank's rules, and also don't understand how to use a credit card properly. Amazon uses Chase Bank. Which means that in order to get approved for the card, you can NOT have opened "5" or more credit cards in the past 24 months. It's called the 5/24 RULE. If you have opened 5 or more cards in the past 24 months, you will be declined, regardless of your credit score. It's pretty simple. If you pay off your card in full every month, then you WON'T pay any interest. All credit cards have a high interest rate, it's how the banks make most of their money. So the way to avoid it, is to NOT carry a balance from month to month. Seems like a lot of the negative reviewers don't understand how credit cards work or how to use them. If you're already a Prime member with Amazon, then it's a no Brainer card. I'm enjoying my 5% back on every single purchase on Amazon. There's also no foreign transaction fees, so it's a good card to use, if you travel outside of the country. I'd highly recommend this card to anyone that's a frequent Amazon shopper. Update: I've now had this card for over 2 years. Besides the 5% off, you can opt to buy things and pay a certain amount per month with 0% interest. You can also opt to pay the amount back within a certain period of time with 0%. It's still my favorite card. I see no cons, if used properly.