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These Legacy Programs were operated by Marriott International, Inc.

and its subsidiaries, including Marriott Rewards, LLC and Preferred Guest, Inc. The Loyalty Program operates under the terms and conditions as set out below unless otherwise expressly stated (the “Program Rules”).

Further, a charge-off normally stays on your credit report for seven years.

Updated September 2019 Effective in February 2019, the loyalty program for Marriott International, Inc.

Prior to this, the Loyalty Program operated as a unified program under three names: Marriott Rewards® Program, The Ritz-Carlton Rewards Program, and the Starwood Preferred Guest® Program (the “SPG Program”) (each a “Legacy Program”).This lowers the creditor’s taxable income and results in a reduced tax liability.Further, since you are still liable for the debt, it can sell it to a debt collector or continue its collection efforts against you.Writing off a debt allows a credit card company to report it as a loss and reduce its tax liability.But it does not eliminate your obligation to pay the debt.

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