Closed Ritz Rewards card, please give insight on what to replace it with

[Anonymous]

Yea I called the number on the back of the CSP card. It took 5 minutes and no bureau pull.

[Anonymous]

Calling the number on the back of the RC is the JPM CS.

[jsucool76]

Theres problem #1

Ritz card comes with a direct line to the JPM EO for customer service, and you were using the CSP #

They might have offered a retention bonus at the JPM line. 

[Anonymous]

I'm not worried about the 20k of lost available credit. I have 180k between 5 cards and a few grand in cc debt I pay in full every month.

[Anonymous]

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@Anonymous wrote:

I'm not worried about the 20k of lost available credit. I have 180k between 5 cards and a few grand in cc debt I pay in full every month.

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I'd be pretty steamed at 20k lost credit. Lol.

[09Lexie]

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@Anonymous wrote:

Nixon - Thats all they would do, and I'm easy going. I didn't want to argue. I have plenty of available credit in relation to what I owe. I'm at about 3%. 

Side note... I'm sure its quite simple but I can't figure out how to quote on this site. 

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Welcome to the forum.  I notice that you might not know how to respond to posts by using our quote feature. 

1.  Click "reply" on the post you want to respond to.

2. To the right of the toolbar, next to the MACRO drop down-- and above the message post window -- you will see the quote button.  It should look like this:

3.  Tap the quote bubble to insert the text of the post you are responding to and the block of text will appear in the message post window.

4.  Type your response below the quoted block of text and then click preview if you'd like to proof the post before submitting, or click "Post" at the bottom of the message post window.

[NRB525]

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@Anonymous wrote:

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@Anonymous wrote:

I'm not worried about the 20k of lost available credit. I have 180k between 5 cards and a few grand in cc debt I pay in full every month.

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I'd be pretty steamed at 20k lost credit. Lol.

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Why? BizSavy has $35k on the CSP now. That likely runs into some internal CL limits.

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm not worried about the 20k of lost available credit. I have 180k between 5 cards and a few grand in cc debt I pay in full every month.

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I'd be pretty steamed at 20k lost credit. Lol.

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Why? BizSavy has $35k on the CSP now. That likely runs into some internal CL limits.

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Actually thinking about it. When they did the AR SP they may have reset the OP's Internal limit which limited the available CL to move to half of the limit. Didn't think about that before.

[Open123]

You can always opt for the Marriott 70k to combine with your existing Ritz/Marriott points.

[NRB525]

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@Anonymous wrote:

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@NRB525 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm not worried about the 20k of lost available credit. I have 180k between 5 cards and a few grand in cc debt I pay in full every month.

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I'd be pretty steamed at 20k lost credit. Lol.

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Why? BizSavy has $35k on the CSP now. That likely runs into some internal CL limits.

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Actually thinking about it. When they did the AR SP they may have reset the OP's Internal limit which limited the available CL to move to half of the limit. Didn't think about that before.

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Seems likely. Two separate UW departments could make an argument to push the total avaiable credit on two cards, not so easy with one $55k limit staring at the UW.