What are my Chase Sapphire Reserve approval odds in your opinion?

[Anonymous]

I'm looking to apply for the Chase Sapphire Reserve within the next few months. I would like to know what your guys' opinions are my profile and odds of approval. I have 5 cards Capital One QS $3,050 CL, Discover It $3,700 CL, Chase Freedom $4,500, CSP $7,500, and Amex BCP $9,000. My three FICO scores are all above 750 and my income is 40k a year. I travel about 6 times a year for personal travel and a few times a year for job related travel. I would love some feedback. Thanks in advance!

[noobody]

If your utility is low AND within 5/24, I would say chance is more than good.

You can always offer close CSP, move credit line over to open CSR if income/total exposure is their concern.

[AverageJoesCredit]

Though your limits arent quite up to CSR level, you do have 2 Chase cards already so that may help you . If you are under 5/24 that might help as well. Ill leave odds to those who actually have this card but best of luck in getting it

[Anonymous]

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@Anonymous wrote:

I'm looking to apply for the Chase Sapphire Reserve within the next few months. I would like to know what your guys' opinions are my profile and odds of approval. I have 5 cards Capital One QS $3,050 CL, Discover It $3,700 CL, Chase Freedom $4,500, CSP $7,500, and Amex BCP $9,000. My three FICO scores are all above 750 and my income is 40k a year. I travel about 6 times a year for personal travel and a few times a year for job related travel. I would love some feedback. Thanks in advance!

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Given that they already approved you for the CSP unless something drastic has changed or you have reached their internal credit limit for you then your odds are very good.  Kind of curious why you might think that you wouldn't be approved.  Have you added all of those 5 cards within the last 24 months?  No matter what if you live in an area with Chase branches, go in one and ask to see if you're preapproved for the CSR.

Edit to add that if you do apply and are approved, PC that CSP to the Freedom Unlimited.  You don't need both the CSP and CSR and having the Freedom, FU, and CSR cards will maximize your UR earning ability.

[newhis]

CSR minimum limit is 10K, you already have 12K with Chase, that's 30% your income.

I think chase could go as high as 55-60% your income, so you may get the CSR with 10K to 22K at 55% your income. 

After my CSR with 15K I applied to CFU (8 months later), they approved the app with only $500 limit. I'm at 54.4% income with Chase.

Remember 5/24, that's the first issue with Chase. Good luck.

[Anonymous]

I just got approved for the CSR (10k limit) with scores in the low 700's and 60k of income.

Before aping I also had the CSP (9k limit) with Chase. I'd say from your scores and history with Chase you have very good approval odds. Though, as someone mentioned previously they may ask you to move some CL around to limit overall exposure.

But to be honest, I plan on PCing my CSP to the Freedom anyways and moving about 5k over to the CSR as my main card. No real reason to have both!

[AllCredit]

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@Anonymous wrote:

Given that they already approved you for the CSP unless something drastic has changed or you have reached their internal credit limit for you then your odds are very good.  Kind of curious why you might think that you wouldn't be approved.  Have you added all of those 5 cards within the last 24 months?  No matter what if you live in an area with Chase branches, go in one and ask to see if you're preapproved for the CSR.

Edit to add that if you do apply and are approved, PC that CSP to the Freedom Unlimited.  You don't need both the CSP and CSR and having the Freedom, FU, and CSR cards will maximize your UR earning ability.

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Have they been offering these lately?

[Anonymous]

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@AllCredit wrote:

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@Anonymous wrote:

Given that they already approved you for the CSP unless something drastic has changed or you have reached their internal credit limit for you then your odds are very good.  Kind of curious why you might think that you wouldn't be approved.  Have you added all of those 5 cards within the last 24 months?  No matter what if you live in an area with Chase branches, go in one and ask to see if you're preapproved for the CSR.

Edit to add that if you do apply and are approved, PC that CSP to the Freedom Unlimited.  You don't need both the CSP and CSR and having the Freedom, FU, and CSR cards will maximize your UR earning ability.

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Have they been offering these lately?

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Offering what?  Product changes to the Freedom Unlimited?  Yup, all the time or maybe I am misunderstanding your question.

[AllCredit]

In-branch pre-approvals for CSR

[degs138]

Sounds like you should be good to go.  Make sure the 450 AF will be worth it.  If you take advantage of all the offers then you have to justify the remainder as cost of convenience.  Go get em.