topic chase reserve odds in Credit Card Applications

chase reserve odds

Anonymous — Mon, 22 Jan 2018 21:27:29 GMT

Hi. I started my credit journey a little over a year ago and was looking into getting a decent travel rewards card. I am pre-approved for amex plat and citi thank you premier but my research showed that the chase reserve would maximize the rewards for my spend. Now looking to find out my chances and I hope you guys can help out as I'm not getting any pre-approvals from chase.

I have a credit card from my credit union with a 20k CL for 1 year. I also have the amex BCP for 1 year (starting CL 8k, now 20k) that I got based on previous card with amex in EU. I'm also an AU on a store card (CL 1.5k). AAoA is 11.5 months, EX FICO is 738, vantagescores from TU and EQ are 753 with all on-time payments and nothing bad except for short history. Income is over 180k. Do I have a shot at the reserve? If not, should I hold out or take one of my other pre-approvals?

Re: chase reserve odds

Anonymous — Mon, 22 Jan 2018 21:36:47 GMT

Are you close to a Chase Bank branch? If so, go in and ask to speak with a Personal Banker. Give them your details and they'll advise you on your approval odds. They may even have pre- approval for other Chase products that you can use to bank Reward points until you get the Sapphire Reserve.

Re: chase reserve odds

Anonymous — Mon, 22 Jan 2018 22:26:17 GMT

Can I do that without having any chase account?

Re: chase reserve odds

Anonymous — Mon, 22 Jan 2018 22:43:50 GMT

@Anonymous wrote:
Can I do that without having any chase account?

Yes.

Re: chase reserve odds

Anonymous — Fri, 09 Feb 2018 22:48:48 GMT

Ultimately decided to apply. They pulled EX (739) and EQ (748), with TU being at 775. I initially got the 30 day message. It then changed to 7-10 days this morning so I decided to call recon to check status. They informed me they wanted a copy of my ssn so I immediately faxed it over to them. How likely do you guys think I'll get an approval? Should I follow up with them (I read in previous posts that sometimes the fax quality isn't good) and if so, when?

Re: chase reserve odds

Shadowfactor — Sun, 11 Feb 2018 06:43:18 GMT

Normally verifications are a good thing. When they ask for documents, you normally are going to get approved since they don’t want to waste their time doing all that for a denial.

Re: chase reserve odds

Anonymous — Mon, 12 Feb 2018 19:45:31 GMT

Called in to check if the copy was received. Analyst confirmed and then approved me for 31k

Re: chase reserve odds

Anonymous — Mon, 12 Feb 2018 22:50:29 GMT

wrote:
Called in to check if the copy was received. Analyst confirmed and then approved me for 31k

Wow!! Congrats.. That's my goal card.. Can't wait to go below 5/24 this coming fall..

Re: chase reserve odds

Anonymous — Mon, 12 Feb 2018 23:06:20 GMT

Congratulations on getting your CSR! That is an OUTSTANDING SL that will grow over time.

Re: chase reserve odds

coldfusion — Mon, 12 Feb 2018 23:13:02 GMT

Nicely done. $31K is a very good SL for Chase.

Re: chase reserve odds

Anonymous — Mon, 12 Feb 2018 23:23:25 GMT

Thanks I got a few big international trips coming up so all those benefits & rewards will come in very handy

Re: chase reserve odds

Anonymous — Tue, 13 Feb 2018 00:06:47 GMT

wrote:
Congratulations on getting your CSR! That is an OUTSTANDING SL that will grow over time.

You still want 31K to grow? Lol

Re: chase reserve odds

Anonymous — Tue, 13 Feb 2018 04:42:03 GMT

Congrats! Mine arrived tonight!😊