topic Re: Addition to mini-spree - Chase Marriott Visa! in Credit Card Approvals

Addition to mini-spree - Chase Marriott Visa!

KatieKatie — Sat, 24 Jan 2015 05:10:57 GMT

I wanted to share this even though I applied after my original mini-spree post because there are a few noteworthy things. First, I didn't think there was a real strong chance of an approval, but I read Chase was not inquiry sensitive, so I figured there was not much to lose since this is the last card I really wanted. My original plan was to apply after June when my bankruptcy drops off. I also read that this was a difficult card to get, even more difficult with a bankruptcy, and my EQ is only 672. Last Creditkarma said I had a poor chance of obtaining this card. To some extent they were right. I received the 7-10 day letter and called the recon line on day 2. The rep indicated the request was denied and a letter had been mailed. He then asked me some questions and explained why the Marriott card is more difficult to obtain. Many of you may already know this, but I'll mention it in case it's helpful to someone. There is a minimum $5000 credit limit, so they cannot give you a starter limit if they consider you to be a risk. He then explained that I would have likely been approved for the Freedom card, but he would re-submit it for review anyway with comments about the payment history and available credit on my NFCU card, verification of my income, and the explanation provided concerning my bankruptcy. He then instructed me to call back the next day or day after. I called the next day and was informed that the application was approved for $5k!

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sat, 24 Jan 2015 05:31:25 GMT

Congratulations!

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sat, 24 Jan 2015 06:17:12 GMT

Terrific approval! Congratulations! It seems like everyone is getting this card lately. It's making it so hard to garden, lol.

Re: Addition to mini-spree - Chase Marriott Visa!

chalupaman — Sat, 24 Jan 2015 06:56:48 GMT

Nice job! I had kinda wanted this card especially for the free night every year but I'm waiting until maybe a better bonus comes out and there's also that $200 Freedom bonus I'm waiting for as well so I'd have to pick one or the other so I don't piss off Chase.

Congrats.

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sat, 24 Jan 2015 07:02:07 GMT

Terrific job at fighting for something you want. Congratulations to you.

Re: Addition to mini-spree - Chase Marriott Visa!

uswala — Sat, 24 Jan 2015 07:23:34 GMT

Congrats!

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sat, 24 Jan 2015 16:24:54 GMT

Congrats, I just got approved yesterday also!

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sat, 24 Jan 2015 18:40:10 GMT

Nice Job, congrats

Re: Addition to mini-spree - Chase Marriott Visa!

NRB525 — Sat, 24 Jan 2015 18:42:45 GMT

Congratulations!

So, as a gardening project, are you going to update your siggy to list all your new cards?

Re: Addition to mini-spree - Chase Marriott Visa!

gdale6 — Sat, 24 Jan 2015 19:16:42 GMT

Great story, grats on your Marriott card

Re: Addition to mini-spree - Chase Marriott Visa!

KatieKatie — Sat, 24 Jan 2015 19:53:46 GMT

Thank you all! Really appreciate all the support, knowledge, and guidance from the community!

Re: Addition to mini-spree - Chase Marriott Visa!

wacdenney — Sat, 24 Jan 2015 20:30:37 GMT

Congrats!! Marriott is a sexy card for sure!

Re: Addition to mini-spree - Chase Marriott Visa!

KatieKatie — Sun, 25 Jan 2015 01:32:28 GMT

@chalupaman wrote:
Nice job! I had kinda wanted this card especially for the free night every year but I'm waiting until maybe a better bonus comes out and there's also that $200 Freedom bonus I'm waiting for as well so I'd have to pick one or the other so I don't piss off Chase.

Congrats.

Do you have a Marriott Rewards account? I had the 70k + 1 nt at a cat 1-4 hotel offer when I logged in yesterday and applied with that link

Re: Addition to mini-spree - Chase Marriott Visa!

KatieKatie — Sun, 25 Jan 2015 01:33:38 GMT

@NRB525 wrote:
Congratulations!
So, as a gardening project, are you going to update your siggy to list all your new cards?

Great suggestion! I hadn't updated that thing in like 2 years. Way overdue

Re: Addition to mini-spree - Chase Marriott Visa!

newhis — Sun, 25 Jan 2015 01:39:50 GMT

Congrats

Re: Addition to mini-spree - Chase Marriott Visa!

alvon123 — Sun, 25 Jan 2015 12:19:54 GMT

congrats

Re: Addition to mini-spree - Chase Marriott Visa!

Anonymous — Sun, 25 Jan 2015 13:08:35 GMT

Congrats. That's on my wish list

Re: Addition to mini-spree - Chase Marriott Visa!

AintYouADaisy — Sun, 25 Jan 2015 13:52:20 GMT

Congrats Katie! It is a sexy card, as someone said! Welcome to the Marriott Rewards Premier family!

Re: Addition to mini-spree - Chase Marriott Visa!

One7 — Sun, 25 Jan 2015 16:46:58 GMT

Congratulations on the hard work and approval. Nice