Ritz-Carlton Data Point (and it’s not what you think)…

12/2023 – Opened Marriott Bonvoy Boundless

12/2024 – Product Changed to Ritz-Carlton Credit Card

04/2025 – Used $300 Travel Credit for flights (upgraded)

06/2025 – Asked to undo product change (I was unexpectedly going thru a divorce). Was granted request and was refunded the full $450 AF. They told me they saw I had used the travel credit but there would be no clawback. Card immediately was converted back to the Marriott Bonvoy Boundless (which I had already paid $95 AF).

12/2025 – Was issued BOTH a “Boundless Free Night Award – 35k” and “Ritz-Carlton Free Night Award – 85k”. (This last part was the most shocking)

I didn’t mean to game the system but definitely came out way ahead. I’m not sure how or why this even happened with getting both FNCs. I’m happy keeping the Marriott Bonvoy Boundless, a keeper card with my travel setup.

Just passing on the data points even though it cost me a divorce to figure it out. ;o)