A few weeks ago I decided to app for the Marriott Rewards Visa because I stay in Marriotts at least six weeks out of the year. I had a charge-off with Chase around 10 years ago that I never paid (I was younger and dumb about my finances) so I wasn't surprised when I didn't get an instant approval. I thought it would be a denial but SURPRISE the card came in the mail today. Those 80k bonus points are a welcomed surprise!
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