Chase Cards, Tips And Points

[CivalV]

So I finally recieved my Chase Marriott Bonvoy card in snail mail. I am looking to book a room for the upcoming weekend as well as purchase a TV. I just would like to know, if this could possibly spook Chase and have my card closed?

I have read many stories about Chase being spooked but not sure if it has to do with spend on the actual card or just opening too many accounts around the approval, of a Chase CC? 

I have an SL of $5K 

The TV will cost approx. $800 w/ taxes 

The hotel stay on top of food and drinks will cost around $450 

The hotel stay will give me 6X the points for every $1 spent with the hotel I am booking 

The TV will give me 2X points for every $1 spent. 

I am also trying to get the 75,000 bonus points with $3000 spent within 3 months. 

I will be paying both off before the statement cuts which is Dec 26th... 

Any thoughts or tips/rules in regards to playing it safe with Chase would be greatly appreciated! 

[Aim_High]

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@CivalV wrote:

So I finally recieved my Chase Marriott Bonvoy card in snail mail. I am looking to book a room for the upcoming weekend as well as purchase a TV. I just would like to know, if this could possibly spook Chase and have my card closed?

I have read many stories about Chase being spooked but not sure if it has to do with spend on the actual card or just opening too many accounts around the approval, of a Chase CC? 

I have an SL of $5K 

The TV will cost approx. $800 w/ taxes 

The hotel stay on top of food and drinks will cost around $450 

The hotel stay will give me 6X the points for every $1 spent with the hotel I am booking 

The TV will give me 2X points for every $1 spent. 

I am also trying to get the 75,000 bonus points with $3000 spent within 3 months. 

I will be paying both off before the statement cuts which is Dec 26th... 

Any thoughts or tips/rules in regards to playing it safe with Chase would be greatly appreciated! 

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Congrats on the Marriott Bonvoy Brilliant card!   I have that one as well and a lot of Chase experience. 

You're fine.  Putting $1250 legitimate spend on a $5K limit card is no problem at all.  I believe what most often gets people in trouble with Chase is getting Chase cards and then applying for a lot of other new cards too quickly or other adverse changes to your credit report after you get approved by them.   Also, any lender including Chase might get concerned if you start running up huge balances every month (especially multiple times per month) and paying them off inconsistent with your reported income and finances.  Or having money coming in from many differerent banks.  Or perhaps a bunch of sketchy overseas "charges" that look suspicious.  That makes them think there might be illegal activity or money laundering going on.    As long as you look like a normal U.S. consumer, with typical spending patterns and banking habits for your income and credit profile, you're fine. 

Also, for all my Chase SUBs, when I got my new card it became my daily driver and I put heavy spend on it, at least until the SUB was met.  It was all legitimate spending and they never questioned it, so don't be overly spooked by reports of Chase AA.  For that matter, they know you HAVE to put heavy spend on to meet the SUB and they actually expect that since they know they enticed you to use it a lot by offering the SUB.  Heavy normal use is what they WANT to see.  The whole idea with the SUB is not only to get you to apply for the card, but also to build the habit of using it a lot and develop a relationship with the bank over it. 

[Anonymous]

Spooking them should not be an issue. I spooked them.  I opened a new account with them on May 3, 2017, with no prior relationship with Chase. CL was 19,100. I put $1,200 on it from 5/12 until the statement cut on 5/24. They called me to ask about the charges. Then paid the minimum. When the next statement cut in June,  my balance was 3,700. Paid the minimum. July closed at 7,700. I'm sure they did SP monthly.  But no AA.

I ran the balance up to about 18,900. No issues, no calls. I don't recommend maxing out a card unless you have really solid credit and don't carry big balances on other cards.

You might get a call, if you do, tell them they're legit. No problem. 

[SouthJamaica]

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@CivalV wrote:

So I finally recieved my Chase Marriott Bonvoy card in snail mail. I am looking to book a room for the upcoming weekend as well as purchase a TV. I just would like to know, if this could possibly spook Chase and have my card closed?

I have read many stories about Chase being spooked but not sure if it has to do with spend on the actual card or just opening too many accounts around the approval, of a Chase CC? 

I have an SL of $5K 

The TV will cost approx. $800 w/ taxes 

The hotel stay on top of food and drinks will cost around $450 

The hotel stay will give me 6X the points for every $1 spent with the hotel I am booking 

The TV will give me 2X points for every $1 spent. 

I am also trying to get the 75,000 bonus points with $3000 spent within 3 months. 

I will be paying both off before the statement cuts which is Dec 26th... 

Any thoughts or tips/rules in regards to playing it safe with Chase would be greatly appreciated! 

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No it wouldn't 'spook' them. They would be delighted.

But with any card, early large purchases sometimes trigger a fraud alert. But it's no big deal, if it happens you just call in and confirm it's you.

[CreditCuriosity]

Honestly the charge you are speaking of 1250 is chump change for Chase.. They won't blink an eye.  They are use to handing out very high limit cards and they do this so you have a bit of cushion and you are willing to spend on them.  Obviously don't let interest eat into the rewards and pay before it off before grace period.  Otherwise enjoy your new card.

[Anonymous]

Congrats on your Marriott Bonvoy approval!

I can only echo what’s already been said. Using your card this soon after receiving it or for a somewhat larger purchase really won’t spook them. They know you have a SUB to meet and will actually love the fact that their card is getting used. Just don’t open any more accounts in the near future or have any drastic change to your credit report outside of the expected dings for the inquiry and reset of your AOYA.


I’m in the same boat as you. I just received my Chase southwest Visa card today and have to spend $1000 in the first 3 months to receive 40,000 bonus points. I immediately hit up Sephora and will make it my daily driver until I get my points.

Enjoy your new card, btw.

[randomguy1]

You're fine. I just got my Chase card 5 days ago and spent almost 2k. Largest purchase only 300 or so.

[Citylights18]

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@Anonymous wrote:
Congrats on your Marriott Bonvoy approval!

I can only echo what’s already been said. Using your card this soon after receiving it or for a somewhat larger purchase really won’t spook them. They know you have a SUB to meet and will actually love the fact that their card is getting used. Just don’t open any more accounts in the near future or have any drastic change to your credit report outside of the expected dings for the inquiry and reset of your AOYA.


I’m in the same boat as you. I just received my Chase southwest Visa card today and have to spend $1000 in the first 3 months to receive 40,000 bonus points. I immediately hit up Sephora and will make it my daily driver until I get my points.

Enjoy your new card, btw.

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Right because the earning categories of x1, x2 or x3 on a card are inconsequential during the time you are under a SUB. You'll be getting the equivalent of x40 points per dollar while you aim to knock out that SUB.

I'm in a situation where I'm under 2 Chase SUBs. One on the Freedom Card for x3 spend on the first 20,000 (equivalent to a 30k SUB) and the other the CSP standard 60k SUB. I'm keeping my non-bonus category bills on my Freedom but otherwise going in all the way with the CSP to knock out the SUB. I need $2000 more spend to complete my CFU offer but I have until 6/7 next year to do it.

[CivalV]

Thank you!! I purchased my TV and have used my card for Uber rides/dining. I am convinced, I could also benefit from a card that has dining/travel rewards.