topic Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card in Credit Cards

Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Thu, 22 Aug 2024 17:16:10 GMT

What will happen if I pull the trigger on the Surpass... will they ask for W2s, will they split my BCP and put it on the Hilton Surpass?

Thanks in advance.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

FicoMike0 — Thu, 22 Aug 2024 17:27:33 GMT

You have a $35k cl or balance? If cl, for how long? Right after getting a cli to $27k on bce, I apped Hilton card. Approved, but only $1k cl. I think I'd reached my limit with amex. I plan to ask for $3k at 91 days.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Thu, 22 Aug 2024 17:33:46 GMT

I have 35K CL, sorry... with zero balance. Ah, okay. I might just take some off top of my BCP and move it over if they do that over at Amex. I did that with cards from Cap1 when I got into the CC game years ago.

Ah!

@FicoMike0 wrote:
You have a $35k cl or balance? If cl, for how long? Right after getting a cli to $27k on bce, I apped Hilton card. Approved, but only $1k cl. I think I'd reached my limit with amex. I plan to ask for $3k at 91 days.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

Openwater — Thu, 22 Aug 2024 17:59:51 GMT

@ScoreSizzle wrote:
What will happen if I pull the trigger on the Surpass... will they ask for W2s, will they split my BCP and put it on the Hilton Surpass?

Thanks in advance.

That might happen. I had a similar situation where I started with BCP and they pulled some of my CL from there to put on my Hilton card. I ended up losing about 10K off my BCP, but gaining it on my Hilton card. I went from 25K on BCP to 15K, my Hilton started at 25K. They did not request any W2s. They just messed with my limits.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

chuckwood — Thu, 22 Aug 2024 18:53:20 GMT

If you are not using much of your limit there is a good chance they pull some from your current card for the new one.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

GZG — Thu, 22 Aug 2024 18:59:23 GMT

@ScoreSizzle wrote:
What will happen if I pull the trigger on the Surpass... will they ask for W2s, will they split my BCP and put it on the Hilton Surpass?

Thanks in advance.

they might ask for bank statements or request you consent to providing tax documents from the irs, the most likely occurance though is that they'll either just give you more credit or they'll gracefully pull limit from your BCP, you won't have to do anything.

you'll be able to move limit between the two accounts though so you can get the desired split of limits between the two after a month or two with the new card though

they wouldn't have given you $35k if they weren't confident enough in your income/profile/spend

if it's a card you want, I would just apply, good luck!

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

NoMoreDebt — Thu, 22 Aug 2024 22:43:11 GMT

As others have stated depends on your profile with Amex and usage of the limit you have currently. I had $30k on my Amex everyday preferred and $18k on BCE and $5k on the bussiness plus and when i apped for the Charles Schwab Investor card a couple weeks ago they approved it but took $5k from the EDP to open the new card.

I wasn't bummed as I really haven't been using the EDP so i transferred all they would let from it to the new card and plan to close it eventually.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Sun, 25 Aug 2024 03:08:13 GMT

The more that I've looked around and did some homework... the Surpass card really isn't that great. You can definitely get creative with the card but not worth it.

Still want a Hotel card though, lol.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

GhostCredit — Sun, 25 Aug 2024 13:35:45 GMT

@ScoreSizzle wrote:
The more that I've looked around and did some homework... the Surpass card really isn't that great. You can definitely get creative with the card but not worth it.

Still want a Hotel card though, lol.

Why do you want a hotel card? I have the Hilton card since 2016 and still have it. I only got the sub once and had opportunities to get an upgrade to surpass when it was $95 and 100k points but couldn't hit 3k in 3 months so I pass, then another time for 50k for 6 months but I never activated the email offer and even tho the offer didn't expire during the time I wasn't able to activate it cause the link expire after sometime... anyway I'm looking to get the amex blue cash now.

The Hilton card doesn't provide any value at least for me even in 2016 besides the sub. I got it I guess cause it looks nice and was from amex. Idk why I waited so long to get rid of it but whatever the amex bc offers didn't change much until like 2 years ago so still new. And I got it for the reason of hotel cards too, like I collect hotel cards for the FN but Hilton doesn't offer that until you get the $550 one. I would think hard about it man, find a card that you would use ongoing.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Sun, 25 Aug 2024 20:31:44 GMT

@GhostCredit wrote:
@ScoreSizzle wrote:
The more that I've looked around and did some homework... the Surpass card really isn't that great. You can definitely get creative with the card but not worth it.

Still want a Hotel card though, lol.
Why do you want a hotel card? I have the Hilton card since 2016 and still have it. I only got the sub once and had opportunities to get an upgrade to surpass when it was $95 and 100k points but couldn't hit 3k in 3 months so I pass, then another time for 50k for 6 months but I never activated the email offer and even tho the offer didn't expire during the time I wasn't able to activate it cause the link expire after sometime... anyway I'm looking to get the amex blue cash now.

The Hilton card doesn't provide any value at least for me even in 2016 besides the sub. I got it I guess cause it looks nice and was from amex. Idk why I waited so long to get rid of it but whatever the amex bc offers didn't change much until like 2 years ago so still new. And I got it for the reason of hotel cards too, like I collect hotel cards for the FN but Hilton doesn't offer that until you get the $550 one. I would think hard about it man, find a card that you would use ongoing.

Totally agree. I posted this right when I first saw the card and asked... then did more homework and will be going the Marriott route.

I'm definitely not just shooting for a card just to have a card. I'm going to be playing the hotel card game for cool stays and other fun perks with my kid.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

unsungivy — Mon, 26 Aug 2024 12:06:25 GMT

@ScoreSizzle wrote:
@GhostCredit wrote:
@ScoreSizzle wrote:
The more that I've looked around and did some homework... the Surpass card really isn't that great. You can definitely get creative with the card but not worth it.

Still want a Hotel card though, lol.
Why do you want a hotel card? I have the Hilton card since 2016 and still have it. I only got the sub once and had opportunities to get an upgrade to surpass when it was $95 and 100k points but couldn't hit 3k in 3 months so I pass, then another time for 50k for 6 months but I never activated the email offer and even tho the offer didn't expire during the time I wasn't able to activate it cause the link expire after sometime... anyway I'm looking to get the amex blue cash now.

The Hilton card doesn't provide any value at least for me even in 2016 besides the sub. I got it I guess cause it looks nice and was from amex. Idk why I waited so long to get rid of it but whatever the amex bc offers didn't change much until like 2 years ago so still new. And I got it for the reason of hotel cards too, like I collect hotel cards for the FN but Hilton doesn't offer that until you get the $550 one. I would think hard about it man, find a card that you would use ongoing.
Totally agree. I posted this right when I first saw the card and asked... then did more homework and will be going the Marriott route.

I'm definitely not just shooting for a card just to have a card. I'm going to be playing the hotel card game for cool stays and other fun perks with my kid.

So you don't have specific brand loyalty but want to start? If you're going to be shopping around between hotel types, maybe stick with a generic travel card (you do get starting levels of membership at the various hotels with several of them).

If you really want to go with a specific hotel, and have decided Marriott, I recommend doubling up with the AmEx Marriott biz + 1 personal card for the yearly nights credits (you can get from only one personal and one biz card each year... but there IS only one biz card). If you're playing the long game, pick up the AmEx Marriott Brilliant, then cancel after two years and grab one of the Chase Marriott cards... and then upgrade that after a year to the Ritz card (which is only available via product change, but is one of the best cards out there).

P2 should be eligible to upgrade to the Ritz in about two weeks. Getting weirdly excited about it.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Tue, 27 Aug 2024 01:55:53 GMT

@unsungivy wrote:
@ScoreSizzle wrote:
@GhostCredit wrote:
@ScoreSizzle wrote:
The more that I've looked around and did some homework... the Surpass card really isn't that great. You can definitely get creative with the card but not worth it.

Still want a Hotel card though, lol.
Why do you want a hotel card? I have the Hilton card since 2016 and still have it. I only got the sub once and had opportunities to get an upgrade to surpass when it was $95 and 100k points but couldn't hit 3k in 3 months so I pass, then another time for 50k for 6 months but I never activated the email offer and even tho the offer didn't expire during the time I wasn't able to activate it cause the link expire after sometime... anyway I'm looking to get the amex blue cash now.

The Hilton card doesn't provide any value at least for me even in 2016 besides the sub. I got it I guess cause it looks nice and was from amex. Idk why I waited so long to get rid of it but whatever the amex bc offers didn't change much until like 2 years ago so still new. And I got it for the reason of hotel cards too, like I collect hotel cards for the FN but Hilton doesn't offer that until you get the $550 one. I would think hard about it man, find a card that you would use ongoing.
Totally agree. I posted this right when I first saw the card and asked... then did more homework and will be going the Marriott route.

I'm definitely not just shooting for a card just to have a card. I'm going to be playing the hotel card game for cool stays and other fun perks with my kid.
So you don't have specific brand loyalty but want to start? If you're going to be shopping around between hotel types, maybe stick with a generic travel card (you do get starting levels of membership at the various hotels with several of them).

If you really want to go with a specific hotel, and have decided Marriott, I recommend doubling up with the AmEx Marriott biz + 1 personal card for the yearly nights credits (you can get from only one personal and one biz card each year... but there IS only one biz card). If you're playing the long game, pick up the AmEx Marriott Brilliant, then cancel after two years and grab one of the Chase Marriott cards... and then upgrade that after a year to the Ritz card (which is only available via product change, but is one of the best cards out there).

P2 should be eligible to upgrade to the Ritz in about two weeks. Getting weirdly excited about it.

I just app'd for the Boundless over the weekend which I've been seeing can upgrad to the Ritz card. I'm in this for the long game for sure. The next card will definitely be the Brilliant. But from what I've been hearing and reading is that I can't get the bonus points with Amex until two years after my Chase card.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

unsungivy — Tue, 27 Aug 2024 10:53:39 GMT

The order in which you get them matters.

If you have the Boundless, you can get the Brilliant SUB in 24 months. However, if you have upgraded it to the Ritz card, you CANNOT get the Brilliant SUB. That's why I referenced the long game, and recommended doing the Brilliant first.

Although... why do you want two Marriott personal cards? Just for the FN? The yearly nights credits (towards lifetime status etc) don't stack between personal cards.

https://thepointsguy.com/credit-cards/eligibility-chart-marriott-bonvoy-cards/

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

okurosetta — Tue, 27 Aug 2024 16:22:09 GMT

@ScoreSizzle wrote:
What will happen if I pull the trigger on the Surpass... will they ask for W2s, will they split my BCP and put it on the Hilton Surpass?

Thanks in advance.

I must be missing something here. Is the >$35k for a financial review really a thing, or did it happen to a small group of people and now it is expected?

I was at $50k TCL with Amex early this month and they approved me for $14.9k, so now I'm at $64.9k. Have had at least $50k in TCL with Amex for over two years.

Am I the exception to the rule (no financial review), or are the actual exceptions (have had financial review) so vocal that it seems like the rule?

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Wed, 28 Aug 2024 07:25:59 GMT

@unsungivy wrote:
The order in which you get them matters.

If you have the Boundless, you can get the Brilliant SUB in 24 months. However, if you have upgraded it to the Ritz card, you CANNOT get the Brilliant SUB. That's why I referenced the long game, and recommended doing the Brilliant first.

Although... why do you want two Marriott personal cards? Just for the FN? The yearly nights credits (towards lifetime status etc) don't stack between personal cards.

https://thepointsguy.com/credit-cards/eligibility-chart-marriott-bonvoy-cards/

Here's the cards I should have over the next few years...

Chase Marriott Bonvoy Boundless-$95

Amex Bonvoy Brilliant-$650

Amex Bonvoy Business $125

And in this order. The strategy made sense.

Why get two business over the one Boundless card?

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Wed, 28 Aug 2024 07:47:08 GMT

@okurosetta wrote:
@ScoreSizzle wrote:
What will happen if I pull the trigger on the Surpass... will they ask for W2s, will they split my BCP and put it on the Hilton Surpass?

Thanks in advance.
I must be missing something here. Is the >$35k for a financial review really a thing, or did it happen to a small group of people and now it is expected?

I was at $50k TCL with Amex early this month and they approved me for $14.9k, so now I'm at $64.9k. Have had at least $50k in TCL with Amex for over two years.

Am I the exception to the rule (no financial review), or are the actual exceptions (have had financial review) so vocal that it seems like the rule?

Things may have changed but back in the day (like six or seven years ago), the word on the forums was that $37,500 was the number that would trigger a financial review.

I was gardening for five years so I would occasionally pop in here and there, so I'm not up to date on all the limits and triggers for a financial review on a CLI anymore.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

unsungivy — Wed, 28 Aug 2024 12:50:58 GMT

@ScoreSizzle wrote:
@unsungivy wrote:
The order in which you get them matters.

If you have the Boundless, you can get the Brilliant SUB in 24 months. However, if you have upgraded it to the Ritz card, you CANNOT get the Brilliant SUB. That's why I referenced the long game, and recommended doing the Brilliant first.

Although... why do you want two Marriott personal cards? Just for the FN? The yearly nights credits (towards lifetime status etc) don't stack between personal cards.

https://thepointsguy.com/credit-cards/eligibility-chart-marriott-bonvoy-cards/
Here's the cards I should have over the next few years...

Chase Marriott Bonvoy Boundless-$95

Amex Bonvoy Brilliant-$650

Amex Bonvoy Business $125

And in this order. The strategy made sense.

Why get two business over the one Boundless card?

I disagree. That strategy does NOT make sense.

Uh... two business? There's only one business card (available to new applicants). Do you think the Brilliant is a business card?

Again, why do you want two personal cards? You didn't answer. They don't stack other than having an additional free night stay cert. Unless you're specifically doing it for the certs, having multiple personal cards makes no sense. But you should definitely have the only business card + one personal card, because that DOES stack.

There's no real reason to wait on getting the business card, unless you don't think you qualify for it yet. It won't count against your 5/24 since Chase won't "see" it, and since you already have an AmEx card (the BCP you mentioned) it won't cause a hard pull/inquiry either. Get it early, since it gives you a special rate on rooms, plus the night credits stack, plus the cert (and slightly better earn rate on some categories).

You can get the Brilliant and the Business basically back to back, and get both SUBs (P2 got them one week apart), if you look at the chart. Whereas getting a Chase Marriott card first blocks you out of the SUBs for both AmEx cards for 24 months.

EDIT: Sigh. You got (approved for) the Boundless. 🤦‍♀️ Welp, it is what it is.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

okurosetta — Wed, 28 Aug 2024 13:32:04 GMT

@unsungivy wrote:
@ScoreSizzle wrote:
@unsungivy wrote:
The order in which you get them matters.

If you have the Boundless, you can get the Brilliant SUB in 24 months. However, if you have upgraded it to the Ritz card, you CANNOT get the Brilliant SUB. That's why I referenced the long game, and recommended doing the Brilliant first.

Although... why do you want two Marriott personal cards? Just for the FN? The yearly nights credits (towards lifetime status etc) don't stack between personal cards.

https://thepointsguy.com/credit-cards/eligibility-chart-marriott-bonvoy-cards/
Here's the cards I should have over the next few years...

Chase Marriott Bonvoy Boundless-$95

Amex Bonvoy Brilliant-$650

Amex Bonvoy Business $125

And in this order. The strategy made sense.

Why get two business over the one Boundless card?
I disagree. That strategy does NOT make sense.

Uh... two business? There's only one business card (available to new applicants). Do you think the Brilliant is a business card?

Again, why do you want two personal cards? You didn't answer. They don't stack other than having an additional free night stay cert. Unless you're specifically doing it for the certs, having multiple personal cards makes no sense. But you should definitely have the only business card + one personal card, because that DOES stack.

There's no real reason to wait on getting the business card, unless you don't think you qualify for it yet. It won't count against your 5/24 since Chase won't "see" it, and since you already have an AmEx card (the BCP you mentioned) it won't cause a hard pull/inquiry either. Get it early, since it gives you a special rate on rooms, plus the night credits stack, plus the cert (and slightly better earn rate on some categories).

You can get the Brilliant and the Business basically back to back, and get both SUBs (P2 got them one week apart), if you look at the chart. Whereas getting a Chase Marriott card first blocks you out of the SUBs for both AmEx cards for 24 months.

EDIT: Sigh. You got (approved for) the Boundless. 🤦‍♀️ Welp, it is what it is.

It is too bad. To op: Unfortunately sign-up bonus eligibility for Marriott cards is a bit tricky, many people have success with laying out which cards they want and seeking the community's help with suggesting an order. Sometimes other similar communities like the r/CreditCards subreddit can be a way of quickly obtaining info - I personally prefer myFICO in general, but you will get more answers more quickly there. And this is not the end of the world of course, but being locked out for two years sucks, especially for someone who has decided to go for Marriott.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

ScoreSizzle — Wed, 28 Aug 2024 19:03:07 GMT

You're right I should have asked on here rather than reading blogs and watching YouTube videos.

As for the two personal cards... that's how Stan the Credit Frog posted it and it made sense to me.

As for why I went after Chase rather than Amex, I couldn't tell ya. But atm, I didn't want the $650 annual fee charge up front, so I should have went with the business first then the Brilliant to get the points and then Chase later.

Re: Currently have 35K on my Amex BCP but want Hilton Surpass Card

GhostCredit — Sat, 31 Aug 2024 14:03:47 GMT

I used to have the Ritz card but I was new to chase cards back then didn't know you could downgrade to the Marriott card - $95, but I rather have that then to pay an extra $30 for the Marriott biz card. Idk why but people prefer the biz over the $95 due to "status" or maybe they offer late checkout?