@Anonymous wrote:
is the Chase underwriting far more generous on partner cards - like United, SW and Marriott - then for their regular cards? The partner cards seem to come with higher limits from what I have observed in my own applications. Has anyone else noticed this? Does anyone have any information on what the relationships are with United and Marriott as far as credit approvals, limits, etc.? I will note Chase let me move $4000 from the United Card to my CSP. But I am just curious about this. I was approved for a Marriott card last night but it hasn't shown up yet on my online account access and the application status line says I will hear something in two weeks. I called to see if something was amiss and they said that I am approved but they had to get everything set up with Marriott before it would show up online - I guess it is the rewards stuff. But I also find it interesting that I was approved for $9000 on United, then only $5000 on CSP, then moved $4k from United to CSP, and then got the Marriott for $9,000. It seems like me credit profile supports a $5000 regular Chase card but a $9000 partner card. I assume my memberships with United and Marriott, which are both longstanding has something to do with it(?) But it stikes me as weird. What do y'all think?
I had a little theory about this.
Card with no 0% interest period = more likely to keep balance low and therefore cost THEM less to lend to you.
Card with Annual fee and some fringe benefits due to partnership = Most people that apply for this card apply because the rewards system will work for them in some way, shape or fashion, Perhaps there might even be a perception of brand loyalty.
