Marriott?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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nismoZtuner
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Postby nismoZtuner » Thu Aug 08, 2013 4:03 pm

well my first inquiry was from Sears (wont apply for their card anymore now that i bet they will approve me) when i tried applying for one of their store cards back in 12/2011- DENIED btw

and the other were in 2012 then 2 this year..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22


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Snowman
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Postby Snowman » Thu Aug 08, 2013 4:07 pm

Pull yours from the FICO website as that should be accurate(and give you an idea of your chances. Generally if you have a 720+ you should be good IMO). I think you have a reasonably good chance of going with a chase branded product+ a co-branded card. The worse they can say is no and it is only an inquiry. I say do it!
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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nismoZtuner
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Postby nismoZtuner » Thu Aug 08, 2013 4:30 pm

Snowman wrote:The worse they can say is no and it is only an inquiry. I say do it!


Hopefully its an approval- i will let you know and i will check my credit at MYFICO.com (correct?)

-my dad has an 832 according to Myfico..
-i have to beat his
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

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Snowman
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Postby Snowman » Thu Aug 08, 2013 5:09 pm

Yeah, just go there and by your scores (there 20$ for the score.) if you have a score of 760 or higher most lenders will give you the best terms anyways.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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nismoZtuner
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Postby nismoZtuner » Thu Aug 08, 2013 10:11 pm

Or I can probably use the freeannualcreditreport site as well. I haven't used it.

I believe myfico has a 10 day trial.
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

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Snowman
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Postby Snowman » Fri Aug 09, 2013 10:15 am

Nismo- Sorry for the late reply, but yes, you can use freeannualcreditreport.com as well, but they will not give you a score, just a report.

Yes, Myfico does have a trial for 10 days, but it is up to you whether you buy it or not.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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nismoZtuner
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Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Fri Aug 09, 2013 12:29 pm

Snowman wrote:Nismo- Sorry for the late reply, but yes, you can use freeannualcreditreport.com as well, but they will not give you a score, just a report.


Dont worry about it, I see i thought they were going to give me a score and report.

Snowman wrote:Yes, Myfico does have a trial for 10 days, but it is up to you whether you buy it or not.


yup, i still have to cancel my dad`s subscription.
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

User avatar
Snowman
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Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Fri Aug 09, 2013 1:35 pm

Yeah I wish they gave a score but they don't apparently. And I'm sure your scores venture differently from your dad so check yours too. But I'm still saying apply and see what happens.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

User avatar
nismoZtuner
Centurion Member
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Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Fri Aug 09, 2013 2:54 pm

Snowman wrote:But I'm still saying apply and see what happens.


its been a month since I last applied for a card..

I will check my fico score (@ Myfico.com) in a bit and I`ll see what it is...
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

User avatar
Snowman
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Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Fri Aug 09, 2013 5:03 pm

Chances are though is that they will pull EX or EQ and your EQ score looks pretty good, so I take a shot at it if everything else is good. Chase isn't fond of to many new accounts, but you seem to have a low amount of inquiries and new accounts so take a shot. Good luck and let us know what happens!
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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