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However, it will take longer for your credit scores to increase.

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Amazon is finding a way to get its rewards credit card in the hands of more people.

"It's putting credit in the hands of people in a responsible way," he said.

Stamford, Connecticut-based Synchrony Bank, which is a subsidiary of Synchrony Financial, also issues co-branded credit cards with Lowe's, Sam's Club, Pay Pal, Banana Republic and other companies.

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