I wish to caution those thinking about the Chase Ritz Carlton Rewards Card. I was enticed by the two free nights certificates good at Tier 1-4 Catagory properties. I attempted to use them on 6 (six!) different occasions and was told each time that only so many rooms are allotted at each property on any given night for these certificates. The rooms were not sold out and there was availability of the most inexpensive rooms at each property on each occasion. Ritz Carlton arbitrarily decides how many rooms to make available for the certificates, which expire in a year, are not honored by Ritz. Wow, there is an $800-1000 ripoff, at least in my book.
Don't apply for chase unless you have stellar credit. They do not care to build trust with your go for other cards that will start you on a small limit and let you build trust together.
My credit is 700 plus. denied because I only had 1 credit card lol. **** you chase.
Credit karma should remove them from their advertising. Credit karma said I had a great chance with chase. not even close.
I just applied a moment ago and received an email saying that I would receive a notice in the mail in 30 days regarding my approval. So more background, I have a 647TU & 642EQ on CK. 100% of my 20 payments were paid on time, including my student loan and auto loan. I have one medical degrogatory mark on my TU from 2011 and two medical degrogatory marks on my EQ (one from 2011, the other from 2013. Both are near $100). Zero hard inquiries TU and two hard inquiries on EQ. I have been denied by Chase in the past, but have made strides to improve my credit. I called the RECON line 10 minutes after I applied. I gave the rep some information and she transferred me to the verification team. I then verified some more information and then was told that I was approved for a $1,500 CL. Not bad considering this is my first card and I had been denied by everyone else literally everytime before this. So excited about this!