topic Re: CSR Pending decision in Credit Card Applications

CSR Pending decision

Anonymous — Sat, 16 Dec 2017 05:30:35 GMT

Hello!

Went to a Chase branch today to apply for a CF, but found out I was pre- approved for the CSR. I rolled the dice and applied for the CSR. I was told I need to wait between 1 and 2 weeks for a decision by the person the banker called. I was advised not to apply for a CF right away for a possible combined HP. Called a recon later and he said the decision is pending and it could take up to 30 days. Any successful stories? My credit history is thin, one BofA Cashrewards 1.5x years old with a CL 1600. Clean history. 778 FICO, 735 TU, 734 EX. Thanks everyone for the input.

Re: CSR Pending decision

bigpoppa09 — Sat, 16 Dec 2017 06:21:29 GMT

@Anonymous wrote:
Hello!

Went to a Chase branch today to apply for a CF, but found out I was pre- approved for the CSR. I rolled the dice and applied for the CSR. I was told I need to wait between 1 and 2 weeks for a decision by the person the banker called. I was advised not to apply for a CF right away for a possible combined HP. Called a recon later and he said the decision is pending and it could take up to 30 days. Any successful stories? My credit history is thin, one BofA Cashrewards 1.5x years old with a CL 1600. Clean history. 778 FICO, 735 TU, 734 EX. Thanks everyone for the input.

Yea your file is super thin the CSR is a Visa Infinite if i'm not mistaken minimum starting line is 10K u might have aimed to high to start off with Chase u might have got instant approval if u had chosen a different card.

Re: CSR Pending decision

Anonymous — Sat, 16 Dec 2017 08:47:04 GMT

The 30 day message seems to often end in a happy ending.

If you do get the rejection letter however, go for the "backdoor" reconsideration lines a few times. Never hurts to try. 15 minutes could end up w a CSR! Think of the benefits!

Re: CSR Pending decision

Anonymous — Sat, 16 Dec 2017 13:47:40 GMT

Never give up. The squeaky wheel gets the oil.

Re: CSR Pending decision

Anonymous — Sat, 16 Dec 2017 14:25:25 GMT

Good to hear that CSR inbranch pre-approval still exist. Some data points were hinting they ended the pre-approval for CSR.

Good luck, I bet you get it! If not, recon a few times.

Re: CSR Pending decision

Anonymous — Sat, 16 Dec 2017 16:54:28 GMT

Yes I was surprised as well to see that they had that in branch. Online I only had 4 offers, Slate, CF, CFU, and CSP, but in branch I had about 8 offers with my thing credit history. I don’t know if it helps that I have a student checking acc with Chase for 6 years. Anyway thanks for the info, and will recon until I can get somewhere!

Re: CSR Pending decision

Anonymous — Tue, 19 Dec 2017 19:45:11 GMT

Chase Approval Guide

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 00:11:24 GMT

@Anonymous wrote:
Good to hear that CSR inbranch pre-approval still exist. Some data points were hinting they ended the pre-approval for CSR.

Good luck, I bet you get it! If not, recon a few times.

In-branch CSR pre-approval was exactly what I had on December 9th this year. I was actually pre-approved for both CSP and CSR at that time so I went for CSR right away. Any more recent data points suggesting the end of CSR pre-approval?

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 00:24:29 GMT

Chase temporarily dropped preapprovals for CSR back in January 2017 or so.

Last week, they hired Barclays exec Matthew Massaua to take over the entire Sapphire line, and there were some rumors floating around that Massaua would end those in-branch preapprovals, but nothing concrete. Just rumors/thoughts.

Sapphire Reserve has been losing Chase something around $100 million to $200 million a year, but 90% of account holders are continuing it into year two so without that initial 100K SUB, they'll probably at least break even.

According to both of my branch managers at two high volume branches, in-branch apps for CSR are still extremely popular.

Amex sheds many tears.

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 04:29:15 GMT

Thanks everyone for their responses!

Yes they are. I’ve read from a few people that they were pre qualified. Anyway, still waiting, still getting the 30 day from the automated machine. Getting anxious to call recon, but I don’t want to seem desperate. Also thinking about applying for a CF. Wonder if they would use the same HP.

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 04:32:14 GMT

@Anonymous wrote:
Thanks everyone for their responses!

Yes they are. I’ve read from a few people that they were pre qualified. Anyway, still waiting, still getting the 30 day from the automated machine. Getting anxious to call recon, but I don’t want to seem desperate. Also thinking about applying for a CF. Wonder if they would use the same HP.

Only is the same HP if done the same day.

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 04:33:49 GMT

I figured, thank you for the information! Will prob recon friday if I still don’t hear anything.

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 21:02:34 GMT

Quick update, just logged onto my acc and saw the CSR! I'm beyond happy. Starting limit $25K. My credit history was thing, but I think having a checking account with chase for a long time helped. I just have one question, when can I add an AU to my acc?

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 21:06:10 GMT

Yeah! Congrats!

Did you confirm who they HP'd?

Re: CSR Pending decision

Anonymous — Wed, 20 Dec 2017 21:10:46 GMT

They only did an HP on EX.

Re: CSR Pending decision

BPebbles — Thu, 28 Dec 2017 20:23:46 GMT

@Anonymous wrote:
Quick update, just logged onto my acc and saw the CSR! I'm beyond happy. Starting limit $25K. My credit history was thing, but I think having a checking account with chase for a long time helped. I just have one question, when can I add an AU to my acc?

That's awesome and and GREAT Starting limit! Take care of it, pay on time and enjoy the benefits!!!