- Gold Member
- Posts: 29
- Joined: Tue Jan 20, 2015 11:48 pm
- Location: MI
So for the last year I had planned to app for the Ritz when I graduated and had a job with travel opportunities lined up. Fast forward to now being married and trying to travel more for leisure without even having a travel job lined up. I have a SPG with about 30k Starwood points thanks to spend plus the spend bonus, and I decided to just take the leap and go for the Ritz. I had planned that they would decline me initially and then I would call recon and have them just move limits over from CSP and Freedom to close those. Then I got approved in less than 2 seconds for another 5k limit. I immediately call up and start the process to move some limits but have to wait 90 days of no activity to officially move the rest without the bank taking a HP.
Despite all of that, I just have to say that I have been blown away from the Ritz Carlton Card so far. The packaging was first class. The card itself is a work of art. It easy doubles or maybe triples the weight of my CSP. I already have trip in January lined up that will easily cancel out the AF. The complimentary Lounge Club membership came as a surprise in the mail as well. The JP Morgan CSRs are top notch. Can't wait to use my two free nights.
A couple of questions for those of you with experience. I learned from a CSR that the $300 airline credit is each calendar year. So if I can take advantage of it before the end of the year I can have $300 credited, and then I can also use the $300 credit on my trip in January as well. Does anyone know if I can buy Delta gift cards and have it reimbursed?
Next question: I was surprised to find out that my AF was charged to my account before I had even received the card. Its fine with me, I've already paid it off, but is this normal for cards with no waived AF the first year?
AmEx ED: $4500 (02/15)
AmEx PRG: NPSL (02/15)
AmEx SPG: $2000 (06/15)
Capital One QS: $3250 (02/13)
Marriott: $5000 (01/16)
Ritz Carlton: $13,500 (09/15)
TCL: $34,750 (Some not shown above)
22 y/o student