I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

[havaneselover]

Chase Marriott Boundless Personal Credit Card

This may have already been posted but just in case someone didn't see it.

Offer came out September 29 for 125,000 points plus a 50K free night with $3000 spend. After renewal you would get a yearly 35K certificate. $95 annual fee.

www.Doctorofcredit.com doesn't see this as a 'best' offer - he preferred the 5 times 50k FNC offer.

Personally I think it's a great offer for those of us who use 'on the road' hotels that range in the low 20K's.

Also, points don't expire, certs do, so juggling them can become tiresome.

In general I prefer points. They don't expire but there's always the chance of devaluation. My recent use of an 85K cert coming up is for a 57k room. Makes me feel as if I'm wasting 28k points! I hesitate to hold it longer as I have no real plan for it and the return could end up being lower.

For far ahead planners these might work well to start or beef up a supply.

Thanks for posting this. I am considering a second dog and that would mean I'd be back to driving Central VA to SW FL so I could use these. Plus they'd replenish my Bonvoy points (depleted them for DD's graduation and two nights in London).

 

[VGCgroupie]

So the fact that it's a biz card with a personal purchase, won't raise eyebrows?

It shouldn't, I guess it could all depend on the dollar figure as to how closely they are looking at this. But again its comes out the merchants pocket if they dont respond not Amex.

 

[elgerber]

It shouldn't, I guess it could all depend on the dollar figure as to how closely they are looking at this. But again its comes out the merchants pocket if they dont respond not Amex.

I got part of the order, the part I am missing is only $50, about 1/3 of the order total.

 

[VGCgroupie]

I got part of the order, the part I am missing is only $50, about 1/3 of the order total.

I wouldn't see a $50 dispute make them look closely at that purchase or any of your purchases.

 

[chattadisser]

Anyone have any thoughts on this? I got half of the order right, but half is wrong. Wishing I had used a different card now, as I wouldn't question disputing the charge with Chase.

I h

I have, I also I used to work for Amex, they just file the dispute with the correct coding saying items not received etc and contact the merchant if the merchant doesn’t respond they charge the merchant back so it shouldn’t have any reflection on you. Sometimes if the amount isn’t a lot Amex will just credit you themselves instead of doing the dispute process.

I've only disputed on personal cards with them before, I don't have any Amex biz cards, but I don't think it would matter to them. I've found them much easier to dispute with than Chase. I don't think they would question the amount or what it was.

 

[IFlossU]

I got part of the order, the part I am missing is only $50, about 1/3 of the order total.

I wouldn't see a $50 dispute make them look closely at that purchase or any of your purchases.

I recently disputed a personal charge on a Biz Plat. for $35. Item was never received. They immediately reversed the charge, and sent an email the next day letting me know the dispute had been resolved, and was closed. No further action needed. Easiest dispute I’ve ever experienced.

 

[elgerber]

Thank you all for the dispute answers!!!

 

[trenty]

is the chase my bonus for quarterly categories not a thing anymore?

I just checked my cards. I got one on my CFU: 3% total cash back up to $1500 in purchases as gas stations 9/1-11/30.

 

[eticketplease]

In case you need something to buy. Goofy is so awesome if he comes back in stock. https://www.homedepot.com/p/Disney-4-ft-Animated-Holiday-Goofy-A4-25SV24966/334525784?NCNI-5&searchRedirect=goofy&semanticToken=j27r10r10f240400000004_202510031740087819241809842_us-central1-njqp j27r10r10f240400000004 > st:{goofy}:st ml:{24}:ml nr:{goofy}:nr nf:{n/a}:nf qu:{goofy}:qu ie:{0}:ie qr:{goofy}:qr

Rats it’s indoor only I was hoping to add it to the outdoor decorations

 

[calypso726]

DP: We closed all Inks except the old Ink Plus that’s no longer available some months ago. I will never close that card. New CIP with cross referral in July. Lowered credit limits and did another cross referral for the CIC. Instant approval for both of us. Happy to get in that last 20k each for referral of the same business.

 

[jenmsmith]

You give me hope!

Annnddd, it was an automatic approval for P2 this morning! Thank you for the hope. It worked.

 

[eticketplease]

Question on Chase offers. Is there a way to reset your location? Recently all of my cards had an offer for Kroger and Kroger gas with the exception of my CSR. I assume my CSR still thinks I’m in SoCal as I received offers for Ralph’s (owned by Kroger) and Ralph’s gas instead. I also have had some other local offers as well. I have been using my CSR in my area for 4 months now but since groceries are only 1x I haven’t spent any money at a Kroger with the CSR. Do you think buying something at Kroger would reset my location on my CSR?

 

[happ]

Just sharing a DP because I remember some discussion about this earlier, both Macy's and JCPenney coded as department stores for Freedom quarterly 5%.

 

[chattadisser]

For anyone trying to max out those UR's before 10/26 buying GC's at Staples, MCGC are fee free this week. Likely to have VGC's fee free next week if the normal pattern holds up.

 

[hsmamato2]

...

 

[georgina]

For anyone trying to max out those UR's before 10/26 buying GC's at Staples, MCGC are fee free this week. Likely to have VGC's fee free next week if the normal pattern holds up.

Thanks. I need some of the Visas. Last month my closest store never got any in, and another store was completely sold out.

 

[hsmamato2]

For anyone trying to max out those UR's before 10/26 buying GC's at Staples, MCGC are fee free this week. Likely to have VGC's fee free next week if the normal pattern holds up.

I'd seen reports in the past of issues with the mcgc... is this still a thing?

 

[afan]

Question on Chase offers. Is there a way to reset your location? Recently all of my cards had an offer for Kroger and Kroger gas with the exception of my CSR. I assume my CSR still thinks I’m in SoCal as I received offers for Ralph’s (owned by Kroger) and Ralph’s gas instead. I also have had some other local offers as well. I have been using my CSR in my area for 4 months now but since groceries are only 1x I haven’t spent any money at a Kroger with the CSR. Do you think buying something at Kroger would reset my location on my CSR?

I've gotten offers for Kroger when I've never shoped in one and we have fred meyer. I've always gotten them for places not here along with places here.

 

[TheOneWithTheTriplets]

I'd seen reports in the past of issues with the mcgc... is this still a thing?

Depends on your goal. I have certain specific use cases that only work with VGC on debit, but regular spending I've successfully done on both.

 

[VGCgroupie]

For anyone trying to max out those UR's before 10/26 buying GC's at Staples, MCGC are fee free this week. Likely to have VGC's fee free next week if the normal pattern holds up.

Thank you! I am going to make the trek to Staples and hope they have them out.