topic Re: CSP or Marriott rewards in Credit Card Approvals

CSP or Marriott rewards

negg — Fri, 03 Jan 2014 00:30:49 GMT

Aloha, thinking of app'n for one card in 2014(prolly this month) then hit garden till 2015.

The two cards I'm considering are the two listed above. Done some homework on them so I'm somewhat informed on the rewards they offer etc...etc....etc... Sorta leaning towards the marriot, as I stay at courtyards 20+ nights a year. But I'm open ta someone changing my mind on this.

My signature below is accurate of my current limits and cards I currently have. Some other info you will need. AAoA is 1.9 yrs. No lates what so ever, no public records, zero negatives on any credit bureau. She spotless. UTI is 11% with 2% coming off on the 8th. My fico as of oct 31st was 689 and that was with almost 35% UTI. So I'm thinking hi 690's today, maybe 700.

Biggest questions is.......which one would be the easiest to obtain and make it a siggy.

thanks to all.

Re: CSP or Marriott rewards

red259 — Fri, 03 Jan 2014 00:49:33 GMT

@negg wrote:
Aloha, thinking of app'n for one card in 2014(prolly this month) then hit garden till 2015.

The two cards I'm considering are the two listed above. Done some homework on them so I'm somewhat informed on the rewards they offer etc...etc....etc... Sorta leaning towards the marriot, as I stay at courtyards 20+ nights a year. But I'm open ta someone changing my mind on this.

My signature below is accurate of my current limits and cards I currently have. Some other info you will need. AAoA is 1.9 yrs. No lates what so ever, no public records, zero negatives on any credit bureau. She spotless. UTI is 11% with 2% coming off on the 8th. My fico as of oct 31st was 689 and that was with almost 35% UTI. So I'm thinking hi 690's today, maybe 700.

Biggest questions is.......which one would be the easiest to obtain and make it a siggy.

thanks to all.

I think the CSP is a better all around card in general. You would need to get a min 5k limit to get it though. Not sure if there is a min limit on the marriot card. Co-branded cards like the marriott are easier to obtain and tend to get higher initial credit lines. However, the rewards can only be used at marriott. With the csp you can transfer your points to marriott (not really the best exchange rate) or any number of other chase travel partners. Make sure to wait until your util drops down the 2% before applying. How many inqs do you have in the past six months, when did you get each of your cards? If you just want to use your rewards to get marriot stays then get the marriott card, if you want to be able to use your rewards in a variety of programs the CSP is better, but the marriott is def an easier approval.

Re: CSP or Marriott rewards

negg — Fri, 03 Jan 2014 01:33:41 GMT

I have 3 inq in 2013. Two for CLI(April/may). And Amex inq in aug. I have a total of 6 on my CR

Re: CSP or Marriott rewards

red259 — Fri, 03 Jan 2014 02:27:52 GMT

I think you have a decent shot at the CSP and if I had to guess you have a even stronger shot at the marriott card.

Re: CSP or Marriott rewards

Anonymous — Fri, 03 Jan 2014 02:31:15 GMT

The Marriott can be issued as a non-sig $2k min.

Re: CSP or Marriott rewards

Anonymous — Fri, 03 Jan 2014 02:32:40 GMT

CSP is a great card, I don't have one so I can't vouch for it but I can vouch for the Marriott Visa card. I did the 50,000 signup bonus, three weeks later and the 70,000 bonus came out, I called customer service and they gave me the extra 20,000 with no questions! I stay only at marriotts and just used 60,000 points for a free one week stay at springhill suites in Denver, also gets you discounts at hertz (nothing BIG but its nice) and a free night every year! I think the minimum limit they give out is $5,000 but looking at your numbers and credit score you'll have no trouble! I had a 701 with 9 inqs and a 2.1 AAoa .

GOOD LUCK!

Re: CSP or Marriott rewards

negg — Fri, 03 Jan 2014 05:06:22 GMT

Thanks, I'll pull trigger after these payments post next week and relay the results.

Re: CSP or Marriott rewards

negg — Mon, 06 Jan 2014 19:26:59 GMT

Aloha, well since I have zero patience, I pulled the triggering Friday, got chase typical 30 day notice.......called in was transfered to the fraud operations dept. "we are closed for the weekend" ugggggghhhhh.

So fast forward to today. Called in spoke with a lady asked me the general security questions DoB, recent charges, etc...etc... Put me on hold for what 2-3 mins. Came back with some more questions, put me on hold again. After another 2 min hold(nerves are shot at this point). She came back with the news..............

Approved for $6500 metal card will be here 5-7 days. Whew.

My first signature card. Thats a good start to 2014.

Re: CSP or Marriott rewards

MissCredit9 — Mon, 06 Jan 2014 19:32:28 GMT

I think the UW standards are about the same for both seeing as I was approved for both weeks apart with identical limits. CSP is a way more lucrative card overall but the Marriott Premier has an awesome 70k sign-up bonus right now and has been handing out some serious CL's to people who have other Chase cards already. How long have you had your Freedom for? If there is a chance that you would like to have both cards in the future I think u should app Marriott first IMO.

Re: CSP or Marriott rewards

MissCredit9 — Mon, 06 Jan 2014 19:35:23 GMT

@negg wrote:
Aloha, well since I have zero patience, I pulled the triggering Friday, got chase typical 30 day notice.......called in was transfered to the fraud operations dept. "we are closed for the weekend" ugggggghhhhh.

So fast forward to today. Called in spoke with a lady asked me the general security questions DoB, recent charges, etc...etc... Put me on hold for what 2-3 mins. Came back with some more questions, put me on hold again. After another 2 min hold(nerves are shot at this point). She came back with the news..............

Approved for $6500 metal card will be here 5-7 days. Whew.

My first signature card. Thats a good start to 2014.

Oops I was a little late on that one.... Which card were you approved for?

Re: CSP or Marriott rewards

negg — Mon, 06 Jan 2014 20:13:57 GMT

@miss credit. Was approved for the Marriott premier rewards card. Eventually I would like to get hands on a CSP. But at the present my scores might be to low. Maybe later this year I'll pull the trigger on that.

I got my freedom in may-13. I didn't get the 70k offer,only 60k.

Re: CSP or Marriott rewards

MissCredit9 — Mon, 06 Jan 2014 20:37:55 GMT

Congrats on the new metal card. I can tell you, as someone who handles 100's of credit cards a week, this card will get you alot off oooohs and ahhhhhs. It's still pretty rare that I actually see one (besides my own of course).

Re: CSP or Marriott rewards

efranklin23 — Mon, 06 Jan 2014 22:32:55 GMT

Congrats on the approval!

Re: CSP or Marriott rewards

Anonymous — Thu, 09 Jan 2014 12:31:24 GMT

Congrats on your recent score.

Re: CSP or Marriott rewards

alvon123 — Thu, 09 Jan 2014 14:03:52 GMT

@negg wrote:
Aloha, well since I have zero patience, I pulled the triggering Friday, got chase typical 30 day notice.......called in was transfered to the fraud operations dept. "we are closed for the weekend" ugggggghhhhh.

So fast forward to today. Called in spoke with a lady asked me the general security questions DoB, recent charges, etc...etc... Put me on hold for what 2-3 mins. Came back with some more questions, put me on hold again. After another 2 min hold(nerves are shot at this point). She came back with the news..............

Approved for $6500 metal card will be here 5-7 days. Whew.

My first signature card. Thats a good start to 2014.

congrats

Re: CSP or Marriott rewards

youngandcreditwrthy — Thu, 09 Jan 2014 14:05:22 GMT

Congrats!! You can call to have it 1-2 day rushed if need be! I might use it this weekend and asked them to rush mine when just approved.

Re: CSP or Marriott rewards

FinStar — Thu, 09 Jan 2014 15:48:03 GMT

Congrats on your approval OP!

Re: CSP or Marriott rewards

B335is — Thu, 09 Jan 2014 17:56:58 GMT

Congrats on the new metal!

Re: CSP or Marriott rewards

negg — Fri, 10 Jan 2014 02:36:03 GMT

Thanks, lady says I can expect my card in 5-7 days. Saturday will be day 5. We shall see.

Re: CSP or Marriott rewards

-NewGuy- — Mon, 13 Jan 2014 16:23:38 GMT

negg,

You should call and reference the 70k offer and ask them to match it. There have been many people that have app'ed at the standard 50k offer and called Chase and asked them to honor the higher offer with success.