topic been looking at chase marriot in Credit Cards

been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 04:48:21 GMT

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

Re: been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 04:50:56 GMT

also reported utilization is 3%

Re: been looking at chase marriot

NegotiatorRogerSmith — Sat, 20 Feb 2016 08:10:43 GMT

@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*

Re: been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 12:55:12 GMT

thanks for the pennies

Re: been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 13:13:43 GMT

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!

Re: been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 13:59:26 GMT

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

Re: been looking at chase marriot

kdm31091 — Sat, 20 Feb 2016 14:04:35 GMT

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).

Re: been looking at chase marriot

NRB525 — Sat, 20 Feb 2016 15:03:10 GMT

@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.

Re: been looking at chase marriot

Anonymous — Sat, 20 Feb 2016 15:05:05 GMT

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

Re: been looking at chase marriot

Anonymous — Sun, 21 Feb 2016 01:37:34 GMT

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...

Re: been looking at chase marriot

Anonymous — Sun, 21 Feb 2016 01:45:36 GMT

i agree. i won't be apping for this.

Re: been looking at chase marriot

Anonymous — Sun, 21 Feb 2016 01:55:17 GMT

Although I love the Marriott card its generally a waste of time unless you actually stay at Marriotts.

Re: been looking at chase marriot

Anonymous — Sun, 21 Feb 2016 01:59:37 GMT

well, naturally...

Re: been looking at chase marriot

elim — Sun, 21 Feb 2016 02:12:14 GMT

While staying at M properties you rack up the points pretty fast. I use the card for hotel stay only (which works for me).

It is a nice looking card and built like CSP so there is some aesthetic value, and the free nite is a nice discount if you want to get away once a year for cheap. 80K + 10k for AU + 3k for spend = 93k M points and is awesome. Amex bonuses are Junk lately (25k PRG and 50k Plat) so this is the place to "get it while the gettin's good". You can always close it in a year and get 10.3 nights at a ~~tier~~ level 2 for the AF.

I planned on closing CSP and Marriott at the 2 year mark (and rolling them to Ritz), but they are both decent APR compared to what I would probably get now (due to the recent change), and Marriott is useful for that cert every year. I have time to think on that.

Only one way to find out If you will be approved :] and remember, Chase has some nice features with their cards, Open one and close another.

Best of Luck if you app.

Re: been looking at chase marriot

elim — Sun, 21 Feb 2016 02:15:47 GMT

@Anonymous wrote:
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...

You get the card if you visit the chain often. Stays start at 7500 points. Only Marriott spend goes on Marriott cards. The card's an earner at my house.