topic Re: Chase Sapphire Reserve credit request in Credit Card Approvals

Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 18:12:53 GMT

Hello,

I just applied for the Chase Sapphire Reserve card last night and got approved for $16,500k instantly I tried to get a credit line increase to $25,000 and was told they needed to do a hard pull "again". Does anyone have any special number or trick to getting my limit raised without another pull that was just done last night!??

Re: Chase Sapphire Reserve credit request

blindambition — Wed, 23 Dec 2020 18:33:20 GMT

That's standard for Chase. No way around it. Chase may actually do 2 additional pulls, but not always.
Congrats on the approval!!!

Re: Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 19:16:37 GMT

Thanks!! That's super lame. Is this card hard to get or something? I'm new to all this.

@blindambition wrote:
That's standard for Chase. No way around it. Chase may actually do 2 additional pulls, but not always.
Congrats on the approval!!!

Re: Chase Sapphire Reserve credit request

AllZero — Wed, 23 Dec 2020 19:25:42 GMT

Congratulations on your approval!

Re: Chase Sapphire Reserve credit request

cashorcharge — Wed, 23 Dec 2020 19:30:47 GMT

Congratulations on your approval! Suggested to grow it in the future is a great recommendation!

Re: Chase Sapphire Reserve credit request

FinStar — Wed, 23 Dec 2020 19:37:11 GMT

@Anonymous wrote:
Thanks!! That's super lame. Is this card hard to get or something? I'm new to all this.
@blindambition wrote:
That's standard for Chase. No way around it. Chase may actually do 2 additional pulls, but not always.
Congrats on the approval!!!

Not a bad SL with your Reserve approval so nothing really "lame" per se if Chase requires another HP to consider anything higher. That's how Chase rolls 🤷‍♂️ I'd be grateful for the approval and SUB.

Also, not a difficult card to obtain provided there's a decent profile, income, scores, and below 5/24.

Re: Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 20:03:13 GMT

Congratulations!

Re: Chase Sapphire Reserve credit request

gdale6 — Wed, 23 Dec 2020 20:15:38 GMT

Grats on your new Reserve card

There is no work around to the additional HP other than to use the card and get an auto CLI.

Re: Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 21:21:47 GMT

Chase always does another HP in these cases. Not sure you'll be able to get around it.

Re: Chase Sapphire Reserve credit request

MyFault — Wed, 23 Dec 2020 21:29:10 GMT

Congrats on your approval.

That's a decent SL, and without any data points, i can't say definitively, but more than likely Chase won't give you a CLI immediately. They felt $16.5k was appropriate for you, and asking for a CLI so soon, while doing a HP will likely cause a denial with an added HP on your file.

i suggest using the card and hopefully they'll give you an AUTO CLI after 4 statements have been cut. But, then again this is 2020 and Corona has changed the game, so i'd be happy with getting approved at all these days.

Re: Chase Sapphire Reserve credit request

AverageJoesCredit — Wed, 23 Dec 2020 21:54:35 GMT

@FinStar wrote:
@Anonymous wrote:
Thanks!! That's super lame. Is this card hard to get or something? I'm new to all this.
@blindambition wrote:
That's standard for Chase. No way around it. Chase may actually do 2 additional pulls, but not always.
Congrats on the approval!!!

Not a bad SL with your Reserve approval so nothing really "lame" per se if Chase requires another HP to consider anything higher. That's how Chase rolls 🤷‍♂️ I'd be grateful for the approval and SUB.

Also, not a difficult card to obtain provided there's a decent profile, income, scores, and below 5/24.

Lol, those are pretty big not difficulties Finny. Id say 5/24 is a big obstacle for many , especially on here but i think with the right combo its achievable though us lower peons i guess are stuck with our Syncs or Menities

Re: Chase Sapphire Reserve credit request

ChargedUp — Wed, 23 Dec 2020 22:11:02 GMT

Chase will certainly HP one OR TWO bureaus if you want more than your SL. If you really need to put more than $16K a month through the card, I would make a mid statement payment and then continue spending. Chase is known to see when their cards are being used heavily and then paid in full. They should reward you with auto CLIs, which are soft pull as long as your profile is solid. Judging by your SL you just got, I'm guessing your profile is clean, so no worries there! 🙂

Re: Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 23:10:07 GMT

Chase bank pulled my credit during the initial application and they wanted to pull another credit check 12 hours later after I called for a higher credit limit would it count as one inquiry or two?

Re: Chase Sapphire Reserve credit request

blindambition — Wed, 23 Dec 2020 23:14:42 GMT

@Anonymous wrote:
Chase bank pulled my credit during the initial application and they wanted to pull another credit check 12 hours later after I called for a higher credit limit would it count as one inquiry or two?

They might not even pull same CRA, but no they won't merge. You're looking at one Moore pull at minimum.

Re: Chase Sapphire Reserve credit request

Anonymous — Wed, 23 Dec 2020 23:54:58 GMT

So it's going to chase bank pull 12/22 and 12/23 lol??

@blindambition wrote:
@Anonymous wrote:
Chase bank pulled my credit during the initial application and they wanted to pull another credit check 12 hours later after I called for a higher credit limit would it count as one inquiry or two?
They might not even pull same CRA, but no they won't merge. You're looking at one Moore pull at minimum.

Re: Chase Sapphire Reserve credit request

Meanmchine — Wed, 23 Dec 2020 23:55:48 GMT

Congrats !

Re: Chase Sapphire Reserve credit request

coreyb80 — Wed, 23 Dec 2020 23:58:26 GMT

Congrats on the approval!

Re: Chase Sapphire Reserve credit request

CreditAggie — Thu, 24 Dec 2020 00:06:06 GMT

Congratulations on your CSR approval!

Re: Chase Sapphire Reserve credit request

M_Smart007 — Thu, 24 Dec 2020 04:49:22 GMT

Congratulations!

Re: Chase Sapphire Reserve credit request

FinStar — Thu, 24 Dec 2020 05:43:50 GMT

@Anonymous wrote:
So it's going to chase bank pull 12/22 and 12/23 lol??
@blindambition wrote:
@Anonymous wrote:
Chase bank pulled my credit during the initial application and they wanted to pull another credit check 12 hours later after I called for a higher credit limit would it count as one inquiry or two?
They might not even pull same CRA, but no they won't merge. You're looking at one Moore pull at minimum.

As mentioned upthread, regardless if it's been 1 hour, 24 hours, 72 hours, etc., there will be a separate HP (possibly on another CRA) if you decide to pursue a higher SL. And, there's no guarantee it'll be approved if Chase feels you have sufficient exposure.