Marriott card reporting

For just about anything you want to get off your chest about credit cards.
11 posts
[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 10:30 am

My Marriott Visa Sig. card online is listed as a Credit Limit of 5K, but over the phone it is said as a Credit Access Line. Having read about these two, how do they report the Marriott card to the Bureaus? Since it has 5K as a limit, is it reported like a Credit Limit? Thanks




Discover it $1,000 CL (7-29-15)
Chase Slate Visa $2,200 CL (7-31-15)
BOA cash rewards Visa $1,500 CL (7-31-15)
Chase Freedom Visa 3,500 CL (9-01-15)
Cap one Quicksilver one MC $500 CL 9-09-15)
Marriott Rewards Premier Visa Sig. $5,000 CL (10-20-15)
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4209
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Marriott card reporting

Postby CarefulBuilder14 » Thu Oct 22, 2015 12:43 pm

Flexible spending card with a $5k limit. It doesn't report like an Amex charge card.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Re: Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 1:03 pm

CarefulBuilder14 wrote:Flexible spending card with a $5k limit. It doesn't report like an Amex charge card.


so not too bad on the utilization %?
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4209
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Marriott card reporting

Postby CarefulBuilder14 » Thu Oct 22, 2015 1:42 pm

[email protected] wrote:
CarefulBuilder14 wrote:Flexible spending card with a $5k limit. It doesn't report like an Amex charge card.


so not too bad on the utilization %?

It shouldn't be.

What's your plan for QS1?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Re: Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 1:53 pm

Don't know yet, they E-mailed me a couple weeks ago saying another 5 months of on -time payments and the would give me a $250 CLI, at that rate it would be a long time for anything substantial. I like having a MC for some reason, but it is my newest card behind the Marriott coming, and I am going to garden now except for my Bonus spending with Marriott, so I guess if I wanted to get rid of it or change it would be a good time. What do you suggest?
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4209
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Marriott card reporting

Postby CarefulBuilder14 » Thu Oct 22, 2015 1:59 pm

[email protected] wrote:Don't know yet, they E-mailed me a couple weeks ago saying another 5 months of on -time payments and the would give me a $250 CLI, at that rate it would be a long time for anything substantial. I like having a MC for some reason, but it is my newest card behind the Marriott coming, and I am going to garden now except for my Bonus spending with Marriott, so I guess if I wanted to get rid of it or change it would be a good time. What do you suggest?

To be clear, it is the QS1, and not the QS? You did pay a $39 AF for it?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Re: Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 2:03 pm

CarefulBuilder14 wrote:
[email protected] wrote:Don't know yet, they E-mailed me a couple weeks ago saying another 5 months of on -time payments and the would give me a $250 CLI, at that rate it would be a long time for anything substantial. I like having a MC for some reason, but it is my newest card behind the Marriott coming, and I am going to garden now except for my Bonus spending with Marriott, so I guess if I wanted to get rid of it or change it would be a good time. What do you suggest?

To be clear, it is the QS1, and not the QS? You did pay a $39 AF for it?
'

Yes, QS1 AF $39 started me with $500 CL
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Re: Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 2:04 pm

forgot about the AF, LOL so guess I would lose that if I canned it
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4209
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Marriott card reporting

Postby CarefulBuilder14 » Thu Oct 22, 2015 2:13 pm

[email protected] wrote:
CarefulBuilder14 wrote:
[email protected] wrote:Don't know yet, they E-mailed me a couple weeks ago saying another 5 months of on -time payments and the would give me a $250 CLI, at that rate it would be a long time for anything substantial. I like having a MC for some reason, but it is my newest card behind the Marriott coming, and I am going to garden now except for my Bonus spending with Marriott, so I guess if I wanted to get rid of it or change it would be a good time. What do you suggest?

To be clear, it is the QS1, and not the QS? You did pay a $39 AF for it?
'

Yes, QS1 AF $39 started me with $500 CL

Maybe call them and see if they'll let you switch to a regular QS. They'll probably tell you to apply for a new account, instead, which I wouldn't do.

If they insist on the AF, I'd close it before the AF came due again. If you want a MC then, maybe go for IHG. Capital One's $39 AF is certainly a ripoff when you can get an annual worldwide free night for $10 more! :ppp
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

[email protected]
Centurion Member
Centurion Member
 
Posts: 165
Joined: Fri Sep 11, 2015 1:05 pm
Location: Kentucky

Re: Marriott card reporting

Postby [email protected] » Thu Oct 22, 2015 2:18 pm

K, Thanks
Discover it $3.5K
BOA CR Visa Sig. $25K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $10.1K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Cash Bus Visa Sig. $4k
Chase Ink Cash Busin Visa Sig. $5K



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests