Posted by William Charles on January 28, 2019
Credit Cards

Published on January 28th, 2019 | by William Charles

16

Chase Showing A Pop Up If Ineligible On Marriott Cards

By now everybody should be familiar with the pop up American Express shows when you’re not eligible for a sign up bonus. It looks like Chase is now doing something similar on Marriott cards if you’re ineligible due to holding specific American Express SPG cards (more on those rules here). Pop up is as follows:

 

I realize this probably isn’t new but it’s the first time I’ve seen this.

Hat tip to reader Mark



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JL
JL

that’s a good development. assuming no eligibility rule changes (big assumption, i know), it’s great to take the guess work out ahead of time so that we can make informed decision whether or not to proceed with a sign up. hopefully Citi can follow suit.

MoreSun
MoreSun

It’s new. Just started happening with this round of Marriott Biz apps

Dylan
Dylan

This seems good for now, but hopefully chase isn’t gonna catfish you like amex and close your card a few days later after not showing a pop-up.

JB San Diego
JB San Diego

It’s new to me. Also, first time I have seen it, as well.

Sam
Sam

Hopefully this will dull the impact of the 5/24 rule. Sure, some cards you don’t want to get if you’re not getting a bonus, but when you have the CSR or CSP, you’re not really getting the freedom/freedom unlimited cards for the bonuses.

Jason
Jason

It would also be nice for people who are over 5/24 but, say, are fine getting an MPE without the bonus because they really do intend to get use out of Zone 2 boarding or free checked bags.

CtownBin
CtownBin

Great info, thanks DoC.
I wonder how Chase even knows which cards you have with AMEX? If they’re going through Marriott and using the Rewards Number that you put in the app, then I wonder if it would be possible to get the Chase bonuses even if you have one of the disqualifying AMEX cards, simply by putting a different Marriott number in the Chase app (or leaving it blank). Would be great to have more DPs from people who have gotten this popup, as to whether or not they put in the same Marriott number that’s attached to their AMEX cards.

Brandon
Brandon

My assumption is that they use your SSN to identify you instead of Marriott number, cuz you can create tons of Marriott numbers anyway.

CtownBin
CtownBin

Right, but Marriott doesn’t have anyone’s SSN. So how could Chase know that a given SSN is attached to a given disqualifying AMEX card?
And even if they somehow know, how would they stop you from applying for both Chase and AMEX cards on the same day- both attached to different Marriott accounts? Neither will know at time of approval that you are disqualified since you aren’t yet, and Marriott won’t know when the bonuses post because they will go into 2 different Marriott accounts.
The only thing that’s clear is that this isn’t so clear… hopefully we see more DPs.

Ty Webb
Ty Webb

My take is that a different address is enough to do the trick. Marriott has probably provided Chase with a database of Amex cardholders which has Marriott account number, name and mailing address. Obviously, two different people can have the same name, so that’s enough for them not to give out the bonus. And, there’s nothing stopping people from generating multiple Marriott Rewards accounts. So they’re probably looking for a match of same name at same address. As I posted in a comment, I just did a dummy application (frozen Experian) with a new Marriott number and a different address than my SPG Biz – no popup.

Ty Webb
Ty Webb

I have an inconclusive DP to add. I currently have the Amex SPG Biz card. My app for Chase Marriott Biz just went pending. I have Experian currently frozen – I did the Chase app just to test what triggers the popup.

First, I went and signed up for another Marriott rewards account to give a different rewards number. Then I went to the Chase application. I gave a different mailing/business address than is registered with SPG Biz (plus the new Marriott rewards number). No popup.

If it’s SSN alone, Chase should have given me a popup – and didn’t. I was giving same business names – my name as sole proprietor.

I’ll probably lift the freeze if I can actually get this card.

anthonyjh21
anthonyjh21

Keep us updated please.

Thi
Thi

I have the SPG personal, that means I have zero chance to get this card, right?

Blootie
Blootie

You can still get the card, you (probably) just won’t receive a bonus

Mike
Mike

Let’s hope it will actually work, unlike Amex who sometimes doesn’t show the popup, and later denies the bonus without informing the card holder.

cjsjtuee
cjsjtuee

Interesting, I do not have SPG card, and I closed my SPG card more than 1 year ago. When I applied for this card, the this exact same window (in the screenshot) popped up. It says because I have or had a SPG card, I am ineligible for the bonus. However, I thought as long as I closed the card 30 days ago, it should not matter. Isn’t it?

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