topic Re: Marriot Rewards Premier after CSP and Discover It in Credit Cards

Marriot Rewards Premier after CSP and Discover It

Anonymous — Tue, 13 May 2014 13:55:15 GMT

Two days ago I was approved for the Discover It (EQ 758) and the CSP, however I waited days for a reponse before they gave me a $16,000 CL. Anyway, I decided to app for one last card . . . The Marriot Rewards Premier. What is the likelihood of a successful app? I got the dreaded wait "for 7-10" further review e-mail just like I did with the CSP.

I didn't think of it ahead of time, but perhaps I made a huge mistake since they are both Chase cards? We travel a ton and my wife likes to stay at Marriots and occasionally the Ritz. Does this card work toward the Ritz? If it doesn't, I'm still pleased if awarded a CL, whatever it is.

My FAKO, per Capital One's Credit Tracker, just updated two days ago to 779.

Thanks,

-J.

Re: Marriot Rewards Premier after CSP and Discover It

youngandcreditwrthy — Tue, 13 May 2014 14:22:14 GMT

I;d say your chance of approval is pretty good...

I got a 10k CSP in Oct 2013, then opened an instant 25k MArriot PR ( AMAZING black metal card!!) in January. My FICO for both approvals was like 680-700- not even as high as yours.

The sign up bonus now is 70k for 2k spend. I got 70k points after 1k spend though.

good luck!

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Tue, 13 May 2014 14:25:07 GMT

70K? The best I could find was 50K. . . I'll keep you posted. They did this for the CSP. Although I did miss a few odd phone calls, they sent me an e-mail a week later saying I was good to go. . . But, since it is in the middle of the week, perhaps I'll hear sooner. Is Chase historically slow relative to other cards?

Re: Marriot Rewards Premier after CSP and Discover It

-NewGuy- — Tue, 13 May 2014 16:00:56 GMT

@Anonymous wrote:
70K? The best I could find was 50K. . . I'll keep you posted. They did this for the CSP. Although I did miss a few odd phone calls, they sent me an e-mail a week later saying I was good to go. . . But, since it is in the middle of the week, perhaps I'll hear sooner. Is Chase historically slow relative to other cards?

First, call or sedure message Chase and tell them you want the 70k offer. Historically they are pretty good with this kind of thing.

Also, you can earn Marriott points at Ritz so no biggie there.

Chase has always been extremely fast with my cards.

Re: Marriot Rewards Premier after CSP and Discover It

eagle2013 — Tue, 13 May 2014 16:22:44 GMT

If you get approved, and the minute your account is posted online to your Chase account (it'll take about 3 days since your rewards number is lasered into the back of the card), send a SM asking to expidite the card, and to match the offer for this link (70,000 points for $1k spend).

https://creditcards.chase.com/a1/marriottpremier/70p1kshphdm/?CELL=6J04

Good luck!

Re: Marriot Rewards Premier after CSP and Discover It

rockinn8 — Tue, 13 May 2014 16:29:05 GMT

Good Luck! I got the marriott card in April and after $1K I got 70,000 points. I would call chase and ask if they need to verify any information. Thats what they needed to do for me, I got the same 7-10 day message, called them up and asked if they needed any verification, they asked for my address and DOB and came back with an instant approval after I verfied the info...which is wierd because I do have a freedom with them. Good luck and keep us posted!

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Wed, 14 May 2014 19:39:58 GMT

Called Chase numerous times to check the status via the automated service. Current status: Pending. Anyway, I called them and spoke briefly with a very nice lady. She verified my address and ssn, then pulled the application up. She said the application is still "pending" and told me to patiently wait. She didn't seem like a credit analyst or anything, instead, she seemed more broad spectrum customer service.

This is exactly what happened with the CSP. I received the same message, and everything, but I never received a call or income/verification request. Instead, they sent me a "Congrats" e-mail. . . I'm trying to give them everything they want, but I guess I'll take a step back and let them handle it. . .

I told the lady on the phone I made the mistake of apply for the CSP before the Marriot. She laughed and told me it shouldn't be a problem applying the way I did.

How can it take so long to look at someone's credit report?! LOL.

Re: Marriot Rewards Premier after CSP and Discover It

PrimeRate — Wed, 14 May 2014 19:43:56 GMT

Are you calling this number: 888-245-0625 ?

That is the analyst# - give it a go and keep us posted.

Best of luck!

Re: Marriot Rewards Premier after CSP and Discover It

Creditaddict — Wed, 14 May 2014 19:44:19 GMT

Did you call directly into the credit analyst and try to have it prcoessed instantly now... I hate general numbers.

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Fri, 16 May 2014 19:30:23 GMT

Called the number "Are you calling this number: 888-245-0625" and spoke with a pseudonice lady. She was very monotone and unapproachable. Anyway, I asked her for the most up-to-date information concerning my application. She verified my address and ssn, but told me the application was still pending and to wait a few more days.

I thought SHE was the one to talk to? I'll continue to wait. . . :/

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Fri, 16 May 2014 21:33:57 GMT

I thought the lady I called was the credit analyst. She sounded like the administrative assistant upset she was late for her smoke break. . . LOL

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Sun, 18 May 2014 23:35:55 GMT

Update:

Called the recon number again, and this time I met a very nice lady over the phone. I expressed my concern(s) about apping too soon after my CSP approval and she told me not to worry. She took a look into the system and told me that everything looks "good" but the computer system is still "pending." I asked her if it was upset with my Marriot application being too close to the CSP, and she said if that was the case then she'd be able to tell me, but that isn't the problem. Lastly, I asked her politely if I was denied and had to wait for the letter in the mail and she told me no. She asked me to be patient, and reminded me everything looked good on her end. I did verify my address and SSN.

Does anyone have a similar experience like mine? I asked her if she knew my credit score from the CSP pull and she said no. She said the FICO score is only disclosed in the event of a denial. Since I wasn't denied, she doesn't have that information. Moreover, she mentioned how CHASE has an unusually different approval process not solely based on our FICO score.

Anyone with a similar experience? I thought the Credit Analyst was the person to talk to. She made it seem like the computer sometimes "locks" them out. . .?

Re: Marriot Rewards Premier after CSP and Discover It

youngandcreditwrthy — Mon, 19 May 2014 04:51:32 GMT

This situation seems very odd to me.

Have you had any fraud alerts on your credit report recently??

Recons are not always a go. Some Credit Analysts simply don't like to talk to people. It's unfortunate, but in a typical card app scenario, most credit analysts don't really interact with people- so they can be a fickle bunch LOL...

Anyhow, good luck... I bet you get approved for it!!

Keep us update when you do!

Re: Marriot Rewards Premier after CSP and Discover It

takeshi74 — Mon, 19 May 2014 13:07:29 GMT

@Anonymous wrote:
The Marriot Rewards Premier. What is the likelihood of a successful app? I got the dreaded wait "for 7-10" further review e-mail just like I did with the CSP.

Impossible to say without any information to go on. Understanding why you got 7-10 days for the CSP would help you to understand why they need more time for approval.

@Anonymous wrote:
Is Chase historically slow relative to other cards?

Nope. Manual review (7-10 days, etc) always takes more time regardless of creditor. MY first 2 Chase approval were instant. Second two required recon.

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Mon, 19 May 2014 23:32:02 GMT

It's been approx. seven business days, and no new information. This is odd. I don't want to call again, but I cannot figure out what is going on. . .

Wouldn't either one of the credit analysts inform me of a denial, if this was the case?

Thanks.

Re: Marriot Rewards Premier after CSP and Discover It

jm1991 — Mon, 19 May 2014 23:42:53 GMT

I was actually issued the free night certificate a couple days after applying.got the email for it and saw it on my marriott account. Thats how i knew I was approved even before they sent the card

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Tue, 20 May 2014 00:11:06 GMT

Interesting. Did you apply via the internal link for the Marriot CC? Where did you find the free night cert. within the Marriot Rewards portal?

Re: Marriot Rewards Premier after CSP and Discover It

jm1991 — Tue, 20 May 2014 05:51:02 GMT

Yeah I got an email saying "your Free night reward from marriott credit card has arrived" and then I logged into the marriott website and saw I had the certificate already there. But when I applied it did say it could take up to 30 days for a response

Re: Marriot Rewards Premier after CSP and Discover It

Anonymous — Tue, 20 May 2014 19:59:41 GMT

Update: called one last time. Approved for $18,000 credit limit! The guy said it took a while because the internal system beside time to verify the reward package. Apparently the Marriott Rewards Bonus is transitioning into a different promo, so he said it took longer than normal.

Chase Recap:

CSP - $16,000 (week ago)
Marriott Rewards - $18,000 (today)

$34,000 total from Chase!

Time to garden. P.S. TU 775

Re: Marriot Rewards Premier after CSP and Discover It

09Lexie — Tue, 20 May 2014 20:23:52 GMT

@Anonymous wrote:
Update: called one last time. Approved for $18,000 credit limit! The guy said it took a while because the internal system beside time to verify the reward package. Apparently the Marriott Rewards Bonus is transitioning into a different promo, so he said it took longer than normal.

Chase Recap:

CSP - $16,000 (week ago)
Marriott Rewards - $18,000 (today)

$34,000 total from Chase!

Time to garden. P.S. TU 775

I believe that was worth the wait. Congrats!

By the way....wonder what changes are going to made?