Marriott Rewards Card

[MidnightVoice]

I AM NOT APPLYING!!!!!!!!!!!!!!!!!!!

I am a Marriott rewards member (my third choice of hotels  ) and I just got this offer (not preapproved, via Marriott)

https://app.firstusa.com/ICBatch/?PID=none&SPID=9L8R&CELL=6YMJ&AFFID=&CLICK=&CID=&PROMO=DF01

A 3.90% fixed APR for the first 6 billing cycles following the opening of your account. After that, 17.49% variable

Balance Transfer APR: A 3.90% fixed APR for the first 6 billing cycles following the opening of your account. After that, 17.49% variable.

Cash Advance APR: 23.49% variable

Default APR: Up to 31.49% variable. See explanation below.b

Overdraft Advance APR: 13.99% fixed (not available in some states)

What I found interesting was:

Before completing the application, you should be able to answer "Yes" to the following statements by checking the boxes:

Yes, my credit history is clear of bankruptcy.

Yes, my credit history is clear of seriously delinquent accounts.

Yes, I have NOT been denied credit by Chase within the last 6 months.

Message Edited by MidnightVoice on 11-27-2007 01:44 PM

[Anonymous]

Sounds really crappy! Glad you read the fine print!! That's how I got stuck w/ my HSBC- was at a weak point one day-and didn't read fine print!

[haulingthescoreup]

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@MidnightVoice wrote:
What I found interesting was:

Before completing the application, you should be able to answer "Yes" to the following statements by checking the boxes:

Yes, my credit history is clear of bankruptcy.

Yes, my credit history is clear of seriously delinquent accounts.

Yes, I have NOT been denied credit by Chase within the last 6 months.

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I found the same thing when I was looking at a Borders card app (also Chase.) I kind of like it that they save you a hard inq with these questions, which appear to reflect automatic no's.

It would be nice if they defined "seriously delinquent accounts." A lot of people don't realize that this includes a 60-day late.

[Anonymous]

Hi Midnight,

I have a Chase card, I know they are supposed to be PRIME but at those rates, one has to wonder. Thank goodness my APR is nothing like that!

I work for Marriott.   As you can image they are my first choice... nothing like FREE or Friends and Family rate to make you smile. 

[MidnightVoice]

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ragcajun wrote:

Hi Midnight,

I have a Chase card, I know they are supposed to be PRIME but at those rates, one has to wonder. Thank goodness my APR is nothing like that!

I work for Marriott.   As you can image they are my first choice... nothing like FREE or Friends and Family rate to make you smile. 

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I am not actually worried about the APR on reward cards, as I make sure I PIF them every month.  And a lot of reward cards have high APR and AFs, so I just use them for the rewards.  Slowly.  I unfortunately have a card from work so I don't get to build up many rewards 

It was the questions that interested me

[Anonymous]

Wow, they really put those first 3 questions upfront and out there.

Marriott is also in my top 3 choice of hotels, but not my first. It just happens to be that just about everywhere I've stayed for work travel has been a Marriott. But as more and more Marriotts seem to be popping up (at least in the cities I frequent), I've been considering asking Chase if I can change one of my Chase products to it. With a little one, Disney is probably my first choice though.

[MidnightVoice]

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PenguinGeek wrote:
Wow, they really put those first 3 questions upfront and out there.

Marriott is also in my top 3 choice of hotels, but not my first.

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I use Hilton, then Holiday Inn, because usually the Hiltons and Marriotts overseas are ridiculously expense - they don't have the cheaper version easily available. 

[haulingthescoreup]

MidnightVoice wrote:

It was the questions that interested me

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More confirmation that Chase is not the card for those with lates! I know that my app last year for a Kohl's (Chase) went nowhere at a high rate of speed.

No Chase card for me, unless and until my stupid lates go bye-bye...

[fused]

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haulingthescoreup wrote:

MidnightVoice wrote:

It was the questions that interested me

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More confirmation that Chase is not the card for those with lates! I know that my app last year for a Kohl's (Chase) went nowhere at a high rate of speed.

No Chase card for me, unless and until my stupid lates go bye-bye...

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No worries, you're better off not doing business with Chase.

[haulingthescoreup]

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@fused wrote:

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@haulingthescoreup wrote:

@MidnightVoice wrote:

It was the questions that interested me

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More confirmation that Chase is not the card for those with lates! I know that my app last year for a Kohl's (Chase) went nowhere at a high rate of speed.

No Chase card for me, unless and until my stupid lates go bye-bye...

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No worries, you're better off not doing business with Chase.

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Ah, that's right, you have Issues with Chase!