been looking at chase marriot

Anonymous · ‎02-19-2016

i haven't been "crazily" looking but it seems like an ok deal. i have more than 5/24 but the rule hasn't taken place just yet. scores are: EX 694, EQ 672 and TU 695. umm last late payments were 2014.. had 3 total.
current cards:
CCU $500, AmEx Hilton HHonors $1,000, Discover It $1,700, Chase Freedom $2,000, AmEx ED $2,000, WF Platinum $3,000, Cap1 QS $3,000, Cap1 QS $3,000, Barclaycard Sallie Mae $3,200, Amazon Prime $5,000, Cap1 Venture $5,000, Kay Jewelers $5,300, NFCU Flagship $8,000, NFCU cashRewards $10,000, Lowes $12,000, Cap1 Venture $13,000, AmEx Green NPSL

what do you think odds are? i know it's general and perhaps vague but i can provide additional info if needed as well

Anonymous · ‎02-19-2016

also reported utilization is 3%

NegotiatorRogerSmith · ‎02-20-2016

@Anonymous wrote:
i haven't been "crazily" looking but it seems like an ok deal. i have more than 5/24 but the rule hasn't taken place just yet. scores are: EX 694, EQ 672 and TU 695. umm last late payments were 2014.. had 3 total.
current cards:
CCU $500, AmEx Hilton HHonors $1,000, Discover It $1,700, Chase Freedom $2,000, AmEx ED $2,000, WF Platinum $3,000, Cap1 QS $3,000, Cap1 QS $3,000, Barclaycard Sallie Mae $3,200, Amazon Prime $5,000, Cap1 Venture $5,000, Kay Jewelers $5,300, NFCU Flagship $8,000, NFCU cashRewards $10,000, Lowes $12,000, Cap1 Venture $13,000, AmEx Green NPSL

what do you think odds are? i know it's general and perhaps vague but i can provide additional info if needed as well

Pray for instant approval, be VERY ready to recon. Tell them what happened with the missed payments, tell them what you learned from it, and what action(s) you've taken to prevent it from ever happening again (setting up auto pay (which hopefully you did since then)). You can also leverage material salaray increase, if applicable.

Overall though, Marriott not worth it, IMO bc of its poor redemption value. I'd go Hyatt over Marriott.

*hands you 2 pennies*

Anonymous · ‎02-20-2016

thanks for the pennies

Anonymous · ‎02-20-2016

I like the Marriott program mainly because they have so many properties to redeem in. The 80K offer right now is a smoking deal. I think you get even more if you add an AU.

With that said, the two free nights anywhere on the Hyatt are unbeatable.

I'd give it a shot!

Anonymous · ‎02-20-2016

here's my thing: i am quite aware it won't be instant approved. lol

kdm31091 · ‎02-20-2016

I thought you were looking to get rid of cards, not add more!

But if this one has a specific benefit you know you'll use, go for it. I'm just leery of recommending it because you don't seem very happy with the hotel/travel cards you do have already (The ED for MRs, the Hhonors, etc).

NRB525 · ‎02-20-2016

@kdm31091 wrote:
I thought you were looking to get rid of cards, not add more!
But if this one has a specific benefit you know you'll use, go for it. I'm just leery of recommending it because you don't seem very happy with the hotel/travel cards you do have already (The ED for MRs, the Hhonors, etc).

The Marriott sign up bonus, if you get 80,000 points, is good. The free night annually is good. But the points earning on regular daily spend is not too valuable. Generally worse points value earning than each of the HHonors cards.

You earn good points by staying at Marriotts, so if your employer is paying for those, that is nice, and the free annual night is worth it to me to hang on to it, but I'm not using the card to try to spend my way to free nights, that's a nearly impossible task at my spend rate.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎02-20-2016

yeah and if the point value is more diluted than hhonors then i am good lol. i will keep what i have. it was just a thought lol nothing i was gonna rush into. good thing i didn't drap

Anonymous · ‎02-20-2016

The only reason i would get a Marriot card is for the free annual night. Using the card to make purchases is worthless since it takes an exorbitant amt of pts to qualify for a free night. Also if you are doing that, you're wasting out on all the points u could be gaining on ur other cards.

So the main question is whether the card is worth its AF, whatever that is. I just dont think its worth it imo to carry around one card for a free annual night but to each its own...