Following the news of Marriott's partnership with MGM, coupled with some limited-time enhanced SUBs on Marriott co-branded cards, I figured now was a good time to plunge into world of hotel credit cards. While the $650 AF is high, I can easily use the annual benefits ($300 dining credits and one free night valued up to 85K points) that effectively offset the AF.
Amex gave me a very nice SL on the card and it was a SP approval. I was pleasantly surprised that they did NOT cannabalize my BCP for the approval since they recently stopped giving me CLIs on it without providing bank account access or statements, so I thought my TCL with Amex was maxed out for the time being.
Shout out to @Aim_High for his guidance on the Marriott ecosystem and encouraging me to go for the Bonvoy Brillant card.
DPs:
FICO 8 (EX): 819
VNTG 3 (EQ & TU): 831
AoOA/AAoA: ~20 years / ~8 years
New Accounts: 0/6, 0/12, 9/24
INQ (last 12m): 5 EX, 0 EQ, 0 TU
UT: 1-2%
Congrats on that approval!
Very nice SL and approval, congratulations!
Nice! And envious because I canceled a card to make room for this one but I'm still in PUJ.
@DJRobbieD wrote:Following the news of Marriott's partnership with MGM, coupled with some limited-time enhanced SUBs on Marriott co-branded cards, I figured now was a good time to plunge into world of hotel credit cards. While the $650 AF is high, I can easily use the annual benefits ($300 dining credits and one free night valued up to 85K points) that effectively offset the AF.
Amex gave me a very nice SL on the card and it was a SP approval. I was pleasantly surprised that they did NOT cannabalize my BCP for the approval since they recently stopped giving me CLIs on it without providing bank account access or statements, so I thought my TCL with Amex was maxed out for the time being.
Shout out to @Aim_High for his guidance on the Marriott ecosystem and encouraging me to go for the Bonvoy Brillant card.
DPs:
FICO 8 (EX): 819
VNTG 3 (EQ & TU): 831
AoOA/AAoA: ~20 years / ~8 years
New Accounts: 0/6, 0/12, 9/24
INQ (last 12m): 5 EX, 0 EQ, 0 TU
UT: 1-2%
@DJRobbieD wrote:Following the news of Marriott's partnership with MGM, coupled with some limited-time enhanced SUBs on Marriott co-branded cards, I figured now was a good time to plunge into world of hotel credit cards. While the $650 AF is high, I can easily use the annual benefits ($300 dining credits and one free night valued up to 85K points) that effectively offset the AF.
Amex gave me a very nice SL on the card and it was a SP approval. I was pleasantly surprised that they did NOT cannabalize my BCP for the approval since they recently stopped giving me CLIs on it without providing bank account access or statements, so I thought my TCL with Amex was maxed out for the time being.
Shout out to @Aim_High for his guidance on the Marriott ecosystem and encouraging me to go for the Bonvoy Brillant card.
DPs:
FICO 8 (EX): 819
VNTG 3 (EQ & TU): 831
AoOA/AAoA: ~20 years / ~8 years
New Accounts: 0/6, 0/12, 9/24
INQ (last 12m): 5 EX, 0 EQ, 0 TU
UT: 1-2%
Congratulations on the new approval!
@DJRobbieD wrote:Amex gave me a very nice SL on the card and it was a SP approval.
That is an awesome approval. I'm hoping for a nice Marriott/Amex one day 
Congratulations on an awesome AMEX Marriott Bonvoy Brilliant approval, @DJRobbieD! 
And extra congrats for snagging that super-sweet 200K SUB! I'm jelly! 
I'm glad I was able to help steer you and give you some good suggestions.
Hmmmm ... let's see. If you can manage to get 3x CLI on that limit ... $75K?
A man can hope.
