topic Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24 in Credit Card Applications

Marriott Bonvoy Boundless Chase Preapproval over 5/24

Anonymous — Fri, 15 Apr 2022 20:51:39 GMT

Hi all! It's been awhile since I've asked a question but I got one. I was going through the booking process on the Marriott app, and noticed the Marriott Bonvoy Boundless shows I am preapproved. I thought it was just an add so clicked it to check, and it took me to chase with my info filled in and a field to authorize pulling my credit, it said preapproved on that page as well. I didn't follow through because I am over the 5/24, but I'm curious if anyone else has seen this preapproval or gotten around 5/24 for this card. For context 3 ficos are now hovering right around 700-705, using about 30% of my overall credit across all cards, I am a Platinum member with Marriott, and use my Plat Amex almost exclusively for my stays. I book frequently and this is the first time this has shown preapproved. When I cross referenced my credit journey on the Chase app, I didn't see any preapproval. I honestly didn't even know this area during the booking processwas anything other than an add all this time(see image). I think I will still wait until I am under 5/24 to apply, but wanted to share my experience and a couple DP's, and hear the thoughts of the gurus. Thanks in advance!

Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24

Tacoloco — Sat, 16 Apr 2022 11:31:51 GMT

I got the same thing. My scores are just under yours and had a card gonna with chase a long time ago so I'm a bit baffled as well. Although my utilization is at 1% but the scores have been updated yet to reflect that. Currently shows 24%. I've got 11 nights coming up soon so I'd like to get the card and the points. Currently I'm platinum as well and also but everything on the plat Amex like you. Im under the 5/24 rule though.

Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24

SouthJamaica — Sun, 17 Apr 2022 15:52:41 GMT

@Anonymous wrote:
Hi all! It's been awhile since I've asked a question but I got one. I was going through the booking process on the Marriott app, and noticed the Marriott Bonvoy Boundless shows I am preapproved. I thought it was just an add so clicked it to check, and it took me to chase with my info filled in and a field to authorize pulling my credit, it said preapproved on that page as well. I didn't follow through because I am over the 5/24, but I'm curious if anyone else has seen this preapproval or gotten around 5/24 for this card. For context 3 ficos are now hovering right around 700-705, using about 30% of my overall credit across all cards, I am a Platinum member with Marriott, and use my Plat Amex almost exclusively for my stays. I book frequently and this is the first time this has shown preapproved. When I cross referenced my credit journey on the Chase app, I didn't see any preapproval. I honestly didn't even know this area during the booking processwas anything other than an add all this time(see image). I think I will still wait until I am under 5/24 to apply, but wanted to share my experience and a couple DP's, and hear the thoughts of the gurus. Thanks in advance!

I am by no means a guru but it seems to me that your relationship with Marriott puts you in a special category, and that the preapproval is for real and would overcome 5/24. Me, I would apply for it, but your decision to wait is certainly a reasonable one.

I don't think you'll ~~ever~~ often see this particular card in the regular Chase preapprovals.

Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24

KJinNC — Sat, 16 Apr 2022 19:41:01 GMT

There are numerous recent examples of people getting the Amazon Chase card over 5/24, sometimes far over 5/24. My guess is that one or more cobrand partners pushed back on 5/24 and maybe it loosened for all of them. I don't know that, I'm just speculating. I think you'd most likely get the card if you applied, but my advice is worth what you paid for it

5/24 is probably still in full effect for core Chase cards, though.

Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24

FinStar — Sat, 16 Apr 2022 23:31:07 GMT

@SouthJamaica wrote:
@Anonymous wrote:
Hi all! It's been awhile since I've asked a question but I got one. I was going through the booking process on the Marriott app, and noticed the Marriott Bonvoy Boundless shows I am preapproved. I thought it was just an add so clicked it to check, and it took me to chase with my info filled in and a field to authorize pulling my credit, it said preapproved on that page as well. I didn't follow through because I am over the 5/24, but I'm curious if anyone else has seen this preapproval or gotten around 5/24 for this card. For context 3 ficos are now hovering right around 700-705, using about 30% of my overall credit across all cards, I am a Platinum member with Marriott, and use my Plat Amex almost exclusively for my stays. I book frequently and this is the first time this has shown preapproved. When I cross referenced my credit journey on the Chase app, I didn't see any preapproval. I honestly didn't even know this area during the booking processwas anything other than an add all this time(see image). I think I will still wait until I am under 5/24 to apply, but wanted to share my experience and a couple DP's, and hear the thoughts of the gurus. Thanks in advance!

I am by no means a guru but it seems to me that your relationship with Marriott puts you in a special category, and that the preapproval is for real and would overcome 5/24. Me, I would apply for it, but your decision to wait is certainly a reasonable one.

I don't think you'll ever see this particular card in the regular Chase preapprovals.

@SouthJamaica- this particular card has been known to be available via Chase "Just for you" pre-approved offers and at the branch if a pre-approved one displays. It's not as common, but it is available through those channels.

That's how I was able to snag a couple of them a while ago at different intervals (branch and "Just for you" black star).

OP, these types of 'loyalty' offers typically can bypass 5/24 much like United or SWA (pre-approved ones) if they are displayed on the app. And, contrary to speculation, this one is very much 5/24. There are no recent DPs that confirm this particular one, Hyatt or IHG have had the same outcomes as United, SWA or Amazon (i.e. relaxed 5/24 restriction for specific profiles).

Re: Marriott Bonvoy Boundless Chase Preapproval over 5/24

SouthJamaica — Sun, 17 Apr 2022 15:54:39 GMT

@FinStar wrote:
@SouthJamaica wrote:
@Anonymous wrote:
Hi all! It's been awhile since I've asked a question but I got one. I was going through the booking process on the Marriott app, and noticed the Marriott Bonvoy Boundless shows I am preapproved. I thought it was just an add so clicked it to check, and it took me to chase with my info filled in and a field to authorize pulling my credit, it said preapproved on that page as well. I didn't follow through because I am over the 5/24, but I'm curious if anyone else has seen this preapproval or gotten around 5/24 for this card. For context 3 ficos are now hovering right around 700-705, using about 30% of my overall credit across all cards, I am a Platinum member with Marriott, and use my Plat Amex almost exclusively for my stays. I book frequently and this is the first time this has shown preapproved. When I cross referenced my credit journey on the Chase app, I didn't see any preapproval. I honestly didn't even know this area during the booking processwas anything other than an add all this time(see image). I think I will still wait until I am under 5/24 to apply, but wanted to share my experience and a couple DP's, and hear the thoughts of the gurus. Thanks in advance!

I am by no means a guru but it seems to me that your relationship with Marriott puts you in a special category, and that the preapproval is for real and would overcome 5/24. Me, I would apply for it, but your decision to wait is certainly a reasonable one.

I don't think you'll ever see this particular card in the regular Chase preapprovals.
@SouthJamaica- this particular card has been known to be available via Chase "Just for you" pre-approved offers and at the branch if a pre-approved one displays. It's not as common, but it is available through those channels.

That's how I was able to snag a couple of them a while ago at different intervals (branch and "Just for you" black star).

OP, these types of 'loyalty' offers typically can bypass 5/24 much like United or SWA (pre-approved ones) if they are displayed on the app. And, contrary to speculation, this one is very much 5/24. There are no recent DPs that confirm this particular one, Hyatt or IHG have had the same outcomes as United, SWA or Amazon (i.e. relaxed 5/24 restriction for specific profiles).

Thanks for the clarification, I've updated my above post to reflect that.