topic Re: ritz carlton card in Credit Cards

ritz carlton card

acreditdummy123 — Sat, 03 Dec 2022 23:17:01 GMT

what are some reasons people keep this card? Mainly for the free night and priority pass i assume? And the fact that it's just a better card than any marriott bonvoy card?

Re: ritz carlton card

simplynoir — Sat, 03 Dec 2022 23:43:33 GMT

While I sometimes disagree with their point evaluations TPG kind of put together an article why one would want the Ritz Carlton credit card as long as it's still available. The roadblock to getting it a little time consuming especially when tied to Chase's 5/24 rules and Marriot app rules as well but worth it if one is inclined to get one

https://thepointsguy.com/news/ritz-carlton-credit-card/

Re: ritz carlton card

Aim_High — Sat, 03 Dec 2022 23:58:11 GMT

@acreditdummy123 wrote:
what are some reasons people keep this card? Mainly for the free night and priority pass i assume? And the fact that it's just a better card than any marriott bonvoy card?

I don't have the Ritz Carlton but I've considered pc-ing into it. My take on it is:

This is a Visa Infinite variant of the older AMEX Marriott Bonvoy Brilliant card program, basically the same card but with Visa Infinite perks. So far, I believe the AF is still $450 on the Ritz Carlton versus $650 on the Brilliant. Lower AF is definite incentive to keep it now although I don't believe the Ritz Card got the automatic Platinum elite status of the new Brilliant card.
Travel protections and insurances on the Ritz Carlton (and) the Chase Sapphire Reserve are considered the best-of-class and very equivalent. This card includes premium benefits like $1M AD&D travel insurance, primary CDW for rental cars, delayed/lost baggage, and trip cancellation/delay. In this respect, this card is much better than the AMEX variant.
Customer Service via JP Morgan and JP Morgan Premier Concierge are top tier, same as for their select JP Morgan Reserve card from what I hear.
Yes, the free night (recently upgraded to 85K points) is a major reason. This combined with the $300 annual credits pays for the AF.
Ritz Carlton card has TSA Global Entry credit 1x every 4 years.
Ritz Carlton card has $100 Marriott property credit.
The Ritz Carlton card offers Club Level upgrades at Ritz Carlton properties.
Yes, Priority Pass lounge access is a reason, although probably not major IMO.
Some like the $300 airline fee credits as opposed to the previous $300 Marriott and now $300 restaurant credits on the AMEX version.
Like the Chase Sapphire Reserve and AMEX Bonvoy Brilliant, the card has shopping benefits such as Purchase Protection, Return Protection, and Extended Warranty protection.
The physical attributes of the card may have been a factor. Very clean elegant design. Older metal cards were much heftier than an AMEX Platinum and even the newer metal/plastic sandwich version is about the same as a Chase Sapphire Reserve.

All-in-all, I see several reasons why someone might choose to keep this card, even if they have other Marriott or travel cards.

Link to Chase Ritz Carlton benefits page.

Re: ritz carlton card

acreditdummy123 — Sun, 04 Dec 2022 02:48:46 GMT

tyvm, simplynoir and Aim_High!

Re: ritz carlton card

FinStar — Sun, 04 Dec 2022 03:36:22 GMT

@Aim_High wrote:
@acreditdummy123 wrote:
what are some reasons people keep this card? Mainly for the free night and priority pass i assume? And the fact that it's just a better card than any marriott bonvoy card?
All-in-all, I see several reasons why someone might choose to keep this card, even if they have other Marriott or travel cards.
Link to Chase Ritz Carlton benefits page.

Pretty much all of those reasons + benefits and some of us are still grandfathered with the original AF when the RC card was launched.

Re: ritz carlton card

BronzeTrader — Sun, 04 Dec 2022 19:39:08 GMT

Chase Ritz Carlton is still one of the best CCs out there. No matter who values the card, you come out positive.

It was even better when it had the unlimited Visa Infinite $100 airfare discount and easy Marriott Gold (Now Marriott Platinum) status. Those are gutted right now.

Re: ritz carlton card

CreditCuriosity — Sun, 04 Dec 2022 21:58:08 GMT

As mentioned up thread all those benefit card af alone is likely work AF of 450 for 85k stay then travel credit for upgrade, etc. plus all other benefits one of the best AF cc's out their if you stay at marriott and fly and can use that airline credit imho. When they went from 50k to 85k point stays at same AF is when i upgraded although use to have the ritz 4 year back was worth it again and made financial sense to me.

Re: ritz carlton card

BronzeTrader — Mon, 05 Dec 2022 15:39:16 GMT

The other important thing to remember is that, Ritz Carlton customer service is the same "executive line" shared with JPM Reserve line. Even the CSR does not dial into that line. You get instant customer service. At least it was like that. Not sure if there has been any delay now.

Once my young family member (sub card holder) stopped at Dubai and the Priority Lounge card expired. Called into Ritz exceutive line. Told just charge it to the Ritz card. Chase will just reimburse the charge. The charge was high with the lounge in Dubai.

What would you get from the CSR? I do not remember getting the same kind of service.

Re: ritz carlton card

Ragnar7034 — Wed, 21 Dec 2022 12:43:39 GMT

Can someone give me some advice on hot to product change to this card?

I have had the Marriott Bonvoy Bold card for almost three years. I had a 8k limit when I originally applied. I moved most of that limit to my Amazon card because of better benefits. On 12/05/2022, I moved my limit back to the Bold card, plus whatever I needed to bring my limit to 10k.

After moving my limit to meet the requirements, I was told that the Ritz Carlton credit card was not available. After multiple calls, one manager told me that I would have to wait until 12/20/2022 to get the Ritz Carlton credit card. He said I needed to allow one billing cycle to occur so the system could update and see the 10k limit. It made sense, so I waited.

Today, 12/21/2022, I called in to inquire about the product change, and the manager I spoke with said the Ritz Carlton credit card is not available to me.

Is there anyone who can give me any tips on how to get the card or let me know if I am doing something wrong?

I currently travel for work. I am an Ambassador Elite with Marriott, and have stayed in a hotel room over 200+ nights this year alone. I stay at the Ritz Carlton when I go on personal vacations. It seems like a no brainer for me to get this card. What am I doing wrong?

Re: ritz carlton card

Aim_High — Wed, 21 Dec 2022 15:36:14 GMT

@Ragnar7034 wrote:
Can someone give me some advice on hot to product change to this card?

I have had the Marriott Bonvoy Bold card for almost three years. I had a 8k limit when I originally applied. I moved most of that limit to my Amazon card because of better benefits. On 12/05/2022, I moved my limit back to the Bold card, plus whatever I needed to bring my limit to 10k.

After moving my limit to meet the requirements, I was told that the Ritz Carlton credit card was not available. After multiple calls, one manager told me that I would have to wait until 12/20/2022 to get the Ritz Carlton credit card. He said I needed to allow one billing cycle to occur so the system could update and see the 10k limit. It made sense, so I waited.

Today, 12/21/2022, I called in to inquire about the product change, and the manager I spoke with said the Ritz Carlton credit card is not available to me.

Is there anyone who can give me any tips on how to get the card or let me know if I am doing something wrong?

I currently travel for work. I am an Ambassador Elite with Marriott, and have stayed in a hotel room over 200+ nights this year alone. I stay at the Ritz Carlton when I go on personal vacations. It seems like a no brainer for me to get this card. What am I doing wrong?

Hmmm ... this is puzzling @Ragnar7034. I recently posted what I know about the conversion process in >another thread< and it sounds like you've met all the requirements. I could see the $10K being a sticking point but you resolved that. Maybe the system needs a little longer to recognize it? Normally I would suggest you just Hang Up Call Again but you've tried that multiple times. It almost makes me wonder if Chase is getting ready to close access altogether to the Ritz card or maybe they are making changes to it after the other Marriott card changes that just happened.

I suggest we page some of our resident experts on topics like these including @FinStar, @CreditCuriosity, and @K-in-Boston.

Re: ritz carlton card

Aim_High — Wed, 21 Dec 2022 15:46:14 GMT

@Ragnar7034 wrote:
Can someone give me some advice on how to product change to this card? ...

Just another thought @Ragnar7034, but what is your 5/24 status? While I've never heard this being a requirement for product conversions, I could see it being a possibility. I believe it inhibits CLI requests in addition to new accounts. But I also would think that customer service would have told you that if it was the reason.

Re: ritz carlton card

CreditCuriosity — Wed, 21 Dec 2022 16:56:07 GMT

I had no issues, but had the boundless card and limit was already over 10k on that card, with that said if limit is above 10k shouldn't be an issue. Also I heard I think the boundless card was the only card available for PC and the bold not be available to? Maybe @FinStar Can clarify if I am thinking incorrectly about the PC on that card. I can give you the number to JPM # if that helps as the CSR might be more familiar with what the PC process is if that might help?

Side not PC'ed several months ago got refund for part of Marriott AF and still havent been charged my 450 AF yet was expecting first of this month, but guessing January.. Since anniversary date was Dec I got my 85k night posted already which is very nice. have a 35k night certificate from the Marriott card and now have the 85k certificate along with club level upgrades etc. Well worth it imo. Also if able to PC can use travel credit this year still either legit or buying certain GC's which can read on other forums and calling and saying whatever and get credit for this year and also next year if can get done before the end of the year which is an extra $300 right there. I am about to do that today or tomorrow as it is calendar year based on those.

Re: ritz carlton card

Aim_High — Wed, 21 Dec 2022 18:39:35 GMT

@CreditCuriosity wrote:
Also I heard I think the boundless card was the only card available for PC and the bold not be available to?

I thought about this possibility too, @CreditCuriosity and I've not read of anyone changing directly from the Bold into the Ritz, only from the Boundless into the Ritz. (The Bountiful hasn't been around long enough to hold it for a year before the PC.) However, the >points guy article< that @simplynoir and I mentioned about states that *any* Chase Marriott card can be product changed. The source for that data point is unknown.

Re: ritz carlton card

wasCB14 — Wed, 21 Dec 2022 18:56:58 GMT

Going to an RC for lunch today. Not staying the night.

1. Am I right in thinking Amex Gold would be the card to use for a meal, rather than my basic Bonvoy Amex? For me 1 MR is worth about 2 Marriott points. There is no associated room to charge the meal to.

2. For future reference, am I right in thinking I can pay 45k points combined with a 40k Amex CC certificate to get an 85k night?

Re: ritz carlton card

CreditCuriosity — Wed, 21 Dec 2022 19:24:03 GMT

@wasCB14 wrote:
Going to an RC for lunch today. Not staying the night.

1. Am I right in thinking Amex Gold would be the card to use for a meal, rather than my basic Bonvoy Amex? For me 1 MR is worth about 2 Marriott points. There is no associated room to charge the meal to.

2. For future reference, am I right in thinking I can pay 45k points combined with a 40k Amex CC certificate to get an 85k night?

Regarding #2 I dont know how you would be able to combine certificate with points as can do cash + points. Never heard of points+certificate, but certainly could be wrong.

Re: ritz carlton card

Ragnar7034 — Wed, 21 Dec 2022 20:17:55 GMT

What were the rules for 5/24? I can't remember. The only chase credit cards I have are the Amazon card and the Bold card. Which I have had for more than two years. I do have a few inquires though. One of them being a chase CLI request. I was denied because of too many inquires.

I bought a house in January. After closing, I applied for a few cards. Home Depot cc, Lowes cc Verizon Visa cc, and a BECU cc. with a new credit card from my credit union. Could that be it? They're not maxed out, just new credit lines.

Re: ritz carlton card

Aim_High — Wed, 21 Dec 2022 20:29:31 GMT

@Ragnar7034 wrote:
What were the rules for 5/24? I can't remember. The only chase credit cards I have are the Amazon card and the Bold card. Which I have had for more than two years. I do have a few inquires though. One of them being a chase CLI request. I was denied because of too many inquires.

I bought a house in January. After closing, I applied for a few cards. Home Depot cc, Lowes cc Verizon Visa cc, and a BECU cc. with a new credit card from my credit union. Could that be it? They're not maxed out, just new credit lines.

The plot thickens. Perhaps 5/24 is the issue on a product conversion with all those new accounts. That looks like you've reached five new personal cards within the past 12 months.

The 5/24 rule pertains to the number of revolving personal credit accounts you've opened in the prior 24 months. It's the total accounts opened with all lenders, not just with Chase. It has nothing to do with inquiries and does not include business cards which don't report to your personal credit file such as is normal with Chase and AMEX cards. If you reach 5/24, Chase will normally deny applications for new cards unless you're offered a green checkmark or black star preapproval in app/website. There were also some recent reports of bypassing for selected cards such as the Amazon card, but 5/24 is usually pretty ironclad for new cards. And I also believe to be approved for CLI on existing cards. It doesn't affect reallocating credit limits and I didn't think it affected product change requests.

If 5/24 is the reason, I believe this is the first time I've heard of a denied product conversion over it. Maybe others will speak up about whether this might be the issue.

Re: ritz carlton card

CreditCuriosity — Wed, 21 Dec 2022 20:26:46 GMT

@Ragnar7034 wrote:
What were the rules for 5/24? I can't remember. The only chase credit cards I have are the Amazon card and the Bold card. Which I have had for more than two years. I do have a few inquires though. One of them being a chase CLI request. I was denied because of too many inquires.

I bought a house in January. After closing, I applied for a few cards. Home Depot cc, Lowes cc Verizon Visa cc, and a BECU cc. with a new credit card from my credit union. Could that be it? They're not maxed out, just new credit lines. I have gone between CSP/CSR as well when at like 15 new accounts so certainly not that.

5/24 rule is they won't approve you for a Chase card if over 4 new accounts cards in last 24 months this does not include mortgages and few others things, but mainly CC's although believe includes any PL's etc.. Likely your CLI was declined due to the home depot/lowes/verizon etc aka being over 5/24 likely.. Anyways being over 5/24 would not impact a PC being product conversion as was over 5/24 and no issues and have done many PC's being way over it.

Re: ritz carlton card

Ragnar7034 — Wed, 21 Dec 2022 20:32:15 GMT

Here's another detail, Chase didn't decline my request, they just said the Ritz Carlton isn't available for me. They told me that the bountiful card is available and that I can switch now. The Ritz Carlton card just isn't "available" for me..

Re: ritz carlton card

FinStar — Thu, 22 Dec 2022 21:09:44 GMT

@CreditCuriosity wrote:
I had no issues, but had the boundless card and limit was already over 10k on that card, with that said if limit is above 10k shouldn't be an issue. Also I heard I think the boundless card was the only card available for PC and the bold not be available to? Maybe @FinStar Can clarify if I am thinking incorrectly about the PC on that card. I can give you the number to JPM # if that helps as the CSR might be more familiar with what the PC process is if that might help?

Side not PC'ed several months ago got refund for part of Marriott AF and still havent been charged my 450 AF yet was expecting first of this month, but guessing January.. Since anniversary date was Dec I got my 85k night posted already which is very nice. have a 35k night certificate from the Marriott card and now have the 85k certificate along with club level upgrades etc. Well worth it imo. Also if able to PC can use travel credit this year still either legit or buying certain GC's which can read on other forums and calling and saying whatever and get credit for this year and also next year if can get done before the end of the year which is an extra $300 right there. I am about to do that today or tomorrow as it is calendar year based on those.

The bolded part is my understanding @Ragnar7034. From what I've read/learned, it needs to "leapfrog" to the next available AF product and have that for 12 months, which in this case would be the Boundless version. It's possible that maybe the Bountiful (newer) version could be eligible after having that one for a year, but since it's the newest entrant to the family, there's no DPs on that yet.

So, for science, and since I have 4 variants of the Chase Bonvoy CCs (including biz and the Ritz Carlton version), I reached out to JPM to see whether the personal version of Boundless (I've had it since it was the Marriott Premier Plus) would be eligible for the upgrade to RC and it was. The limit is >$10K and I've never downgraded it.

This tells me that PCs to RC are still available from the Boundless CC, but I don't know for how long and/or if such option would be even long term given that the Bountiful version may phase things out. Obviously, I didn't proceed with the PC since there's no need for duplicate RC versions and the RC OG is grandfathered AF-wise.

@CreditCuriosity - you can still do AA GCs, just don't do SW, UA, or AC.