No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
@ridgebackpilot wrote:I've been considering applying for the Ritz Carlton Rewards card due to the fact that I occasionally have the opportunity to stay at their properties. And the benefits seem pretty useful despite the fact that I already have the CSR card.
But I'm confused: Is the RC really a Chase card, or a JP Morgan card? Or does that make any difference? Does Chase simply consider this another of their co-branded cards?
The RC card reportedly is NOT subject to Chase's 5/24 Rule. The RC card gives you access to the JP Morgan concierge service rather than just Chase Customer Service reps. And so forth...
But is the RC card still subject to Chase's 2/30 Rule (can only apply for two Chase cards within 30 days)?
It's a JP Morgan card and it does make a difference. Much better customer service and as you noted, access to a top of line concierge. When I first applied for this back when it was the hottest card here (December/2014) because of a 140K offer, my credit scores were far worse than they are now and I had been barely let back in with Chase after being blacklisted from a 1993 charge off of a WAMU account thay my ex wife opened without my knowledge. By that point I had been approved for a $4500 Freedom after initially being denied and then a recently opened CSP for $5K of which $4K was taken from my Freedom, again after initially being denied. I was pretty sure Chase wasn't going to approve me fro a new $10K card and I was right. Denied. Tried reconning 3 different times and all were denied and the old charge off was the single point that they all emphasized. Finally asked the last CSR if there was anyone else that I could talk to and she said 'well you could talk to the JP Morgan credit analyst but it wont make any difference. Boy was she wrong. Talked to the JPM rep and he never once brought up the chargeoff and in 2 minutes approved me for the card with a $10K limit. Outstanding service and that's been maintained up to now and one of the reasons why I keep the card.
It isn't subject to 5/24 but still falls under the 2/30 guidelines.
Isn't it the only JP Morgan card left since Palladium is retired?
There is a JP Morgan Reserve card, but you need to be an actual JP Morgan client. At the moment, that means $10mm in investable assets. If you've got the scratch, can't get the CSR, and actually care enough to move investments, I don't think JP Morgan is any worse than big firms like UBS, Morgan Stanley, Goldman Sachs, etc.
Some people have sidestepped in to this card through their old Palladium or JP Morgan Select cards. It may be possible to PC from Ritz Carlton to JP Morgan Reserve, but I'm not interested in giving it up for a CSR clone.
@Anonymous wrote:
@Anonymous
Is there a separate number for the JPM lending department or you just asked the regular rep to transfer you? I would really appreciate any insight! I was denied for bogus reasons as I see it but would love to give it another shot as I already took the hard pull. Best! Vic
I don't know the number if there is one that you can directly. This was 3 years ago and they just transferred me. I'd ask to be transferred if I were you.
@Anonymous wrote:
@Anonymous
Is there a separate number for the JPM lending department or you just asked the regular rep to transfer you? I would really appreciate any insight! I was denied for bogus reasons as I see it but would love to give it another shot as I already took the hard pull. Best! Vic
@Anonymous posted that when you call they will transfer you over to the JPM analyst.
@Anonymous wrote:
@Anonymous wrote:
@ridgebackpilot wrote:I've been considering applying for the Ritz Carlton Rewards card due to the fact that I occasionally have the opportunity to stay at their properties. And the benefits seem pretty useful despite the fact that I already have the CSR card.
But I'm confused: Is the RC really a Chase card, or a JP Morgan card? Or does that make any difference? Does Chase simply consider this another of their co-branded cards?
The RC card reportedly is NOT subject to Chase's 5/24 Rule. The RC card gives you access to the JP Morgan concierge service rather than just Chase Customer Service reps. And so forth...
But is the RC card still subject to Chase's 2/30 Rule (can only apply for two Chase cards within 30 days)?
It's a JP Morgan card and it does make a difference. Much better customer service and as you noted, access to a top of line concierge. When I first applied for this back when it was the hottest card here (December/2014) because of a 140K offer, my credit scores were far worse than they are now and I had been barely let back in with Chase after being blacklisted from a 1993 charge off of a WAMU account thay my ex wife opened without my knowledge. By that point I had been approved for a $4500 Freedom after initially being denied and then a recently opened CSP for $5K of which $4K was taken from my Freedom, again after initially being denied. I was pretty sure Chase wasn't going to approve me fro a new $10K card and I was right. Denied. Tried reconning 3 different times and all were denied and the old charge off was the single point that they all emphasized. Finally asked the last CSR if there was anyone else that I could talk to and she said 'well you could talk to the JP Morgan credit analyst but it wont make any difference. Boy was she wrong. Talked to the JPM rep and he never once brought up the chargeoff and in 2 minutes approved me for the card with a $10K limit. Outstanding service and that's been maintained up to now and one of the reasons why I keep the card.
It isn't subject to 5/24 but still falls under the 2/30 guidelines.
Isn't it the only JP Morgan card left since Palladium is retired?
Is the Palladium officially gone? I've only ever seen (and accepted from a customer) that card once and it sure was awesome! Reminded me of the Amex Black Card.
@Anonymous wrote:
Is the Palladium officially gone? I've only ever seen (and accepted from a customer) that card once and it sure was awesome! Reminded me of the Amex Black Card.
My understanding is that it's being (or already has been) force-PCed to the JPM Reserve.