I've been reading on here for a long time and never came across a story such a this.
I apped for the Chase Marriott Rewards Visa card about a week ago and the waiting finally got the better of me and I called the lovely back door number. The CSR I spoke to had an interesting response to my application status question. She said that since this is a partner card they were recommending approval at $17,900 (odd amount?) but the partner would have the right to ultimate decision. It has always seemed a bit easier to get partner cards but that was just a feeling I had. I kind of always thought the bar was set at a different level based on what the partner wanted. I was not aware that they were directly involved in the decision process. She also reminded me that they have 30 days to complete the application to which I reassured her I was in no rush in particular if approved.
I guess the waiting continues but I am hoping that Marriott takes recommendations from Chase rather seriously.
@PetRaccoon wrote:Thats interesting.. Didn't know that Chase didn't set the limits for the partner cards..
It makes sense that the partner might set their limits and maybe approval criteria.
So that opens the door for a good discussion if others have experienced or heard this theory?
@CS800 wrote:
@PetRaccoon wrote:Thats interesting.. Didn't know that Chase didn't set the limits for the partner cards..
It makes sense that the partner might set their limits and maybe approval criteria.
So that opens the door for a good discussion if others have experienced or heard this theory?
What is a partner card?? A co-applicant??
@LS2982 wrote:
@CS800 wrote:
@PetRaccoon wrote:Thats interesting.. Didn't know that Chase didn't set the limits for the partner cards..
It makes sense that the partner might set their limits and maybe approval criteria.
So that opens the door for a good discussion if others have experienced or heard this theory?
What is a partner card?? A co-applicant??
Partner card I take it as for example, SouthWest Visa from Chase or the Disney one also from Chase
Here I guess there could be some guidelines that probably allows the partners to have the power (according to their set agreements) to allow some flexibility in CL or even in approvals during some periods of the year (Christmas, Summer etc). Disney asking Chase to be more flexible in the summer to boost customers to their parks or even cruises. This way Disney gets more $$ and the people using the partner visa in turns translates to more $$ for Chase.
That's the theory...I'm just throwing this out there.
@CS800 wrote:
@PetRaccoon wrote:Thats interesting.. Didn't know that Chase didn't set the limits for the partner cards..
It makes sense that the partner might set their limits and maybe approval criteria.
So that opens the door for a good discussion if others have experienced or heard this theory?
Yeah, I would definitely like to hear others experiences. I have never come across a discussion about this and I really always felt the guidelines were set by the partner (in this case Marriott) but I never thought they had the last decision.
@JaysonT wrote:
@CS800 wrote:
@PetRaccoon wrote:Thats interesting.. Didn't know that Chase didn't set the limits for the partner cards..
It makes sense that the partner might set their limits and maybe approval criteria.
So that opens the door for a good discussion if others have experienced or heard this theory?
Yeah, I would definitely like to hear others experiences. I have never come across a discussion about this and I really always felt the guidelines were set by the partner (in this case Marriott) but I never thought they had the last decision.
I have suspected this for a while but never researched.
So it would be good to get some facts of this happening like in your case.
Update - I received an email from Chase this evening with a welcome message and the account is now showing on my Chase account page with the other cards. As the CSR suggested, $17,900.
