topic Re: Ritz Carlton Card - Annual Fee?!?!?! in Credit Cards

Ritz Carlton Card - Annual Fee?!?!?!

cflowers0115 — Thu, 12 Feb 2015 22:42:45 GMT

So I was approved beginning of Jan for the Ritz Card through Chase and have a limit of $7,200 on it. I have been running it up fairly quickly with wedding expenses to hit the 3k for $140,000. Can't wait to stop spending money in May when this wedding happens!

Quick question though, So I've had the card for well over a month and they haven't ever charged the $395 annual fee. Anybody run across this? I don't want to kick a hornet's nest, but I find it odd that the fee never charged to the card.

Re: Ritz Carlton Card - Annual Fee?!?!?!

FinStar — Thu, 12 Feb 2015 22:52:02 GMT

Has your 1st statement generated on your Ritz? It's usually included with the first one. Alas, if yours came sans-A/F, no point in contacting them to add it unless it shows up on a future statement.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Thu, 12 Feb 2015 22:52:32 GMT

@cflowers0115 wrote:
So I was approved beginning of Jan for the Ritz Card through Chase and have a limit of $7,200 on it. I have been running it up fairly quickly with wedding expenses to hit the 3k for $140,000. Can't wait to stop spending money in May when this wedding happens!

Quick question though, So I've had the card for well over a month and they haven't ever charged the $395 annual fee. Anybody run across this? I don't want to kick a hornet's nest, but I find it odd that the fee never charged to the card.

Have you received your first statement yet? That's when it appears.

Re: Ritz Carlton Card - Annual Fee?!?!?!

bigbang91 — Thu, 12 Feb 2015 23:49:49 GMT

BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Thu, 12 Feb 2015 23:52:28 GMT

@bigbang91 wrote:
BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask

I'm enrolled in both the Ritz and Marriott programs. There is no points complications for having both cards.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 00:40:25 GMT

The annual fee is a given... You are going to get it.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Luscher — Fri, 13 Feb 2015 01:27:14 GMT

think after your second statement

Re: Ritz Carlton Card - Annual Fee?!?!?!

Ysettle4 — Fri, 13 Feb 2015 02:05:34 GMT

Wait! You get hit with the A/F upfront?? Most card don't hit you until after the first year. I believe the CSP is this way as well.

Re: Ritz Carlton Card - Annual Fee?!?!?!

FinStar — Fri, 13 Feb 2015 02:10:39 GMT

@Ysettle4 wrote:
Wait! You get hit with the A/F upfront?? Most card don't hit you until after the first year. I believe the CSP is this way as well.

Yep, for the most recent 140K offer, A/F is is charged on first statement. The other offer, 70K, typically waives the A/F for the first year.

ETA: BMO/Diners Club was the same for either card. A/F charged with first statement.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 02:38:44 GMT

@Ysettle4 wrote:
Wait! You get hit with the A/F upfront?? Most card don't hit you until after the first year. I believe the CSP is this way as well.

CSP has the first year AF waived. Some other cards do the same. The Ritz does not waive the first years AF, so you have to pay it.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Luscher — Fri, 13 Feb 2015 02:49:55 GMT

I can't really remember exactly when mine got charged. I know if you cancel within like 90 days you get a full refund though

Re: Ritz Carlton Card - Annual Fee?!?!?!

bigbang91 — Fri, 13 Feb 2015 06:09:12 GMT

@Anonymous wrote:
@bigbang91 wrote:
BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask
I'm enrolled in both the Ritz and Marriott programs. There is no points complications for having both cards.

Thats what ritz and Marriott rep told me, cant enroll in both. It lists on the website as well. How long have you had the card?

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 06:09:21 GMT

@Ysettle4 wrote:
Wait! You get hit with the A/F upfront?? Most card don't hit you until after the first year. I believe the CSP is this way as well.

Yeah...

AF not waived is pretty clear.

1st AF waived with second AF due at statement 13 basically operates the same way except statement 1 is a freebie.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 06:11:51 GMT

@bigbang91 wrote:
@Anonymous wrote:
@bigbang91 wrote:
BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask
I'm enrolled in both the Ritz and Marriott programs. There is no points complications for having both cards.
Thats what ritz and Marriott rep told me, cant enroll in both. It lists on the website as well. How long have you had the card?

2 months. Maybe I'm confused. I can log into both programs and it shows my point totals so I assume I'm enrolled in both.

Re: Ritz Carlton Card - Annual Fee?!?!?!

bigbang91 — Fri, 13 Feb 2015 06:16:01 GMT

@Anonymous wrote:
@bigbang91 wrote:
@Anonymous wrote:
@bigbang91 wrote:
BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask
I'm enrolled in both the Ritz and Marriott programs. There is no points complications for having both cards.
Thats what ritz and Marriott rep told me, cant enroll in both. It lists on the website as well. How long have you had the card?
2 months. Maybe I'm confused. I can log into both programs and it shows my point totals so I assume I'm enrolled in both.

I havent asked about the credit card's point though, but to earn points i think you have to choose 1.It lists on the reward membership FAQ on both ritz and Marriott website.

Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 06:20:03 GMT

@bigbang91 wrote:
@Anonymous wrote:
@bigbang91 wrote:
@Anonymous wrote:
@bigbang91 wrote:
BTW,i noticed in your sig you have the Marriot as well. Just FYI,you cant enroll in both marriot and ritz reward program,either 1,and so i dont know about the points reward/complication arise from this. You should call and ask
I'm enrolled in both the Ritz and Marriott programs. There is no points complications for having both cards.
Thats what ritz and Marriott rep told me, cant enroll in both. It lists on the website as well. How long have you had the card?
2 months. Maybe I'm confused. I can log into both programs and it shows my point totals so I assume I'm enrolled in both.
I havent asked about the credit card's point though, but to earn points i think you have to choose 1.It lists on the reward membership FAQ on both ritz and Marriott website.

I assume you're right. I guess I'm in the Marriott program then but I never actually chose one over the other. I had a Marriott account before I got the card which had 12,000 points on it and they just added the 140,000 points to it.

, so Re: Ritz Carlton Card - Annual Fee?!?!?!

cflowers0115 — Fri, 13 Feb 2015 16:40:21 GMT

Haven't gotten a statement yet, so that explains it, I expected to just see the fee charged right away. So, on the other thing I'm hearing in here, the 140,000 will credit to the Marriott Account instead of the Ritz one? Not a big deal, I actually could get more nights that way anyway.

Re: , so Re: Ritz Carlton Card - Annual Fee?!?!?!

Anonymous — Fri, 13 Feb 2015 16:47:05 GMT

@cflowers0115 wrote:
Haven't gotten a statement yet, so that explains it, I expected to just see the fee charged right away. So, on the other thing I'm hearing in here, the 140,000 will credit to the Marriott Account instead of the Ritz one? Not a big deal, I actually could get more nights that way anyway.

You can still use your points to pay for Ritz nights

Re: , so Re: Ritz Carlton Card - Annual Fee?!?!?!

cflowers0115 — Fri, 13 Feb 2015 18:24:36 GMT

@Anonymous wrote:
@cflowers0115 wrote:
Haven't gotten a statement yet, so that explains it, I expected to just see the fee charged right away. So, on the other thing I'm hearing in here, the 140,000 will credit to the Marriott Account instead of the Ritz one? Not a big deal, I actually could get more nights that way anyway.
You can still use your points to pay for Ritz nights

6 of one a half dozen of the other. I probably stay at more Marriotts anyway. Not a big deal.

Re: , so Re: Ritz Carlton Card - Annual Fee?!?!?!

jsucool76 — Fri, 13 Feb 2015 22:38:42 GMT

@cflowers0115 wrote:
@Anonymous wrote:
@cflowers0115 wrote:
Haven't gotten a statement yet, so that explains it, I expected to just see the fee charged right away. So, on the other thing I'm hearing in here, the 140,000 will credit to the Marriott Account instead of the Ritz one? Not a big deal, I actually could get more nights that way anyway.
You can still use your points to pay for Ritz nights
6 of one a half dozen of the other. I probably stay at more Marriotts anyway. Not a big deal.

If you have both cards then check to see if the numbers on the back of the card match (your rewards account #)

You are not supposed to be able to have 2 accounts with them (either 1 marriott 1 ritz, 2 marriotts, 2 ritz's, whatever) and it can actually get you in trouble.

If for some reason the new card created a second account for you, you can call up and have them merged into one account with no problem. Just explain the situation.

If both cards have the same rewards account #, then nothing on your account has changed, the 140k bonus points will be deposited into your existing marriott/ritz account and they can be used at any hotel participating in the marriott/ritz rewards program(Which includes CY,FF,RI,TS,Autograph, AC, Moxy, Marriott, JW, RC, and so on.).