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.
I appreciate the efforts that Chase goes through to protect my card, however when I made a purchase in the early evening, Chase waited until 1:00 am in the morning to send me a text asking whether to proceed with the transaction or decline it. Of course I did not see the text until the next morning and I lost out on three First Class seats for a very low price on an international flight. I called Chase and they were very apologetic and offer to transfer 500 points into my UAL account. Let's see 500 UAL points for losing 3 First Class seats. My wife banks at Chase, I have two Chase credit cards and my company spends 100's of thousands of dollars on Chase cards each year. All will be cancelled within a month.
818 credit score on CK, applied online. Have several other cards with Chase including Sapphire Preffered. Instant Approval online with a $17,000 credit line. A bit lower than I would like, but I will probably call and swap some credit lines around to get it to the 30k range, unless they will just increase it on their own. 15% interest after the 15 months at 0 percent make this card worth keeping.