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Messed up meeting signup bonus requirement, now what?
In early June, I applied for the Marriott Rewards Premier Visa (personal) under the 80K bonus offer (with 7.5K for AU).
At the time, after applying, got the page that said “More time is required for approval” or something like that.
Didn’t see anything from Chase until an email suddenly popped up June 15 saying “Get more out of your card”, that’s the first time I knew the card was approved, and I thought that was the card opening date. I didn’t actually receive the cards until June 23-24.
Fast forward, and I haven’t made all the spend yet. Was putting spend on other cards to max out category bonuses and thought I had more time to meet the Marriott spend– I had thought I had until Sep 15 to make the spend. I call today (Sep 13) just to double check I got my date right, thinking it would be Sep 15, maybe later given when when I got the card.
Turns out, it was June 7! The agent on the phone says I would have had to make the spend by June 7, as well as the AU. Agent submitted a request for time extension, given it took 2+ weeks to receive the card, and no notification my card was approved at all until Jun 15, but it doesn’t seem hopeful. (anyone ever get extensions approved?)
Looks like there is no reason for me to continue with this card at all– what are my options? If I cancel the card now (and eat the spend I made + $85AF), can I start over, since I never received a bonus, assuming I can get approved?
Even if I have to wait until my 5/24 frees up, I should be able to reapply in about 6-9 months. In the meantime I can apply for the Business version. Thoughts?
That’s unfortunate. Have you currently made the minimum spend? Even if you spent today, there is no guarantee that charges will post by day after tomorrow. If you have made min. spend I’d wait to hear back on your appeal. If you really want to pursue this you could try the CPFB but I’m not sure how much success you would have. Most banks use the application date as opening date but given that you didn’t get instant approval, I’d think you have a reasonable case to make for the date of notification to be used as the opening date but YMMV. Let us know how it works out!
Can you make the spend in the next couple of days? Maybe pay some car insurance or cell phone bills early? I think if you can show that you made a good effort, they’ll be more likely to be accommodating.
Thanks for the replies.
I have not yet met the spend, but can probably find a way to do so, but at this point I don’t even know if it will make the Sep 15 date for posting…
And is it worth the risk? I can put that spend toward a different card. I was told in no uncertain terms by the Chase agent that they always go strictly by the terms, which say from account opening, and that in her experience she has never seen a positive decision.
If the decision is negative, I assume I can get the bonus if I get approved again, since I’ve never received the bonus?
If they don’t give you the bonus, then yes, you should be able to get it if you apply again. In terms of risk, I don’t really see any other than opportunity costs. At the very least you’ll earn UA miles for your purchases instead of another currency.
[QUOTE=”Gaurav, post: 20926, member: 79″]If they don’t give you the bonus, then yes, you should be able to get it if you apply again. In terms of risk, I don’t really see any other than opportunity costs. At the very least you’ll earn UA miles for your purchases instead of another currency.[/QUOTE]
Not sure what you mean by UA miles? This is a Marriott Rewards Visa, and Marriott points aren’t worth much, except in larger quantities.
Sorry, confused it with another issue on my mind. Yes, you’ll earn three thousand Marriott points. There is no “risk” in that, other than opportunity cost.
As an update: turns out Chase has some sort of grace period, where you actually have more like 105 days (might be more, I saw somewhere online that it’s the 90 + 15 or something like that) to make the spend. I ended up receiving the bonus!
That might be because of the two or so weeks it takes for them to mail you the card? In any case, excellent!