topic Re: Odds of approval on CSR (Edit: Approved Data inside) in Credit Cards

Odds of approval on CSR (Edit: Approved Data inside)

Anonymous — Thu, 25 Aug 2016 21:40:06 GMT

Hey guys and gals,

I'm interested in getting my first big travel card and the CSR looks like it would fit the bill. I am currently 4/24. EQ-645 TU-657 EX-748. Income isn't quite as high as a few folks on here but I am getting ready to do a bunch of traveling in about 2 months and would really like to start using a more travel friendly card. What do you think my chances are?

Thanks!

-Sin

Edit: Was approved online 10k SL! So excited

Re: Odds of approval on CSR

redpat — Thu, 25 Aug 2016 15:14:59 GMT

I suggest going to a branch if you are near one and see if you are pre-qualified.

I think that gives you the best odds, other wise it's a crap shoot.

Also they would need to pull your EX your other scores seem too low.

Re: Odds of approval on CSR

Anonymous — Thu, 25 Aug 2016 15:15:39 GMT

Sadly there aren't any branches where I am D: Although part of my trip starts in NYC maybe I can get a longer layover and go to a branch there :X

Re: Odds of approval on CSR

icloud2525 — Thu, 25 Aug 2016 15:16:28 GMT

They pulled EX for me, so your score looks good there if they go that route with you. If they pull your EQ or TU, sorry to say I doubt those scores will hold up. Does you income justify a minimum 10k CL? Do you have other high limit cards?

Re: Odds of approval on CSR

Anonymous — Thu, 25 Aug 2016 15:20:09 GMT

Income is about 40k a year D: I have 2 cards with 10k limits.

Re: Odds of approval on CSR

kdm31091 — Thu, 25 Aug 2016 15:27:06 GMT

40k may be borderline to get the 10k limit, but not sure the lowest someone's been approved with income wise. It's not completely impossible but may work against you.

Unfortunately I think the bigger issue here is score. Your scores are not high enough, IMO, to be approved for a premium card like Reserve. How old is your Freedom? Stranger things have happened but I would bet that Chase is probably not going to extend another card with the scores being where they are right now.

Re: Odds of approval on CSR

Anonymous — Thu, 25 Aug 2016 15:31:05 GMT

Yea thats what I figured...oh well guess its time to sit in the garden lol. Thanks for the info guys.

Re: Odds of approval on CSR

Anonymous — Thu, 25 Aug 2016 15:32:23 GMT

@kdm31091 wrote:
40k may be borderline to get the 10k limit, but not sure the lowest someone's been approved with income wise. It's not completely impossible but may work against you.

Unfortunately I think the bigger issue here is score. Your scores are not high enough, IMO, to be approved for a premium card like Reserve. How old is your Freedom? Stranger things have happened but I would bet that Chase is probably not going to extend another card with the scores being where they are right now.

On another thread related to this card, a college student was approved with $30K (note had a track record and other Chase cards).

Re: Odds of approval on CSR

mjb59463 — Thu, 25 Aug 2016 21:07:02 GMT

My income is 56k, I got approved for an 11k limit. Scores are spread from 680-710.

If they pull your Eq, no chance IMO
TU, possible, but unlikely
EX, you're golden.

Re: Odds of approval on CSR

Anonymous — Thu, 25 Aug 2016 21:39:12 GMT

Well, after a bit of liquid courage I decided to give it a shot anyways....Instant approval of 10k!!!! SOO EXCITED. Will be booking my flights as soon as I get that card Still can't believe it! Should I ask for them to expedite the card???

-Sin

Re: Odds of approval on CSR

mjb59463 — Thu, 25 Aug 2016 21:38:52 GMT

Congrats on the approval!

Re: Odds of approval on CSR

Anonymous — Fri, 26 Aug 2016 02:31:31 GMT

@Anonymous wrote:
Well, after a bit of liquid courage I decided to give it a shot anyways....Instant approval of 10k!!!! SOO EXCITED. Will be booking my flights as soon as I get that card Still can't believe it! Should I ask for them to expedite the card???

-Sin

Don't bother asking. The reps will either say it isn't possible or they all are expedited. It seems they are all supposed to be sent UPS Next Day Air Saver, but Chase may have run out of the fancy packages so some are coming now in just overnight envelopes. Other people still haven't had there's shipped, so Chase may have some issues creating and shipping the cards due to high volume of requests currently.

Re: Odds of approval on CSR

Anonymous — Fri, 26 Aug 2016 03:34:52 GMT

Yea called in for the heck of it rep said it was already being expedited. Guessing my first nice card will be in an overnight envelope D: was hoping for the nice packaging lol but oh well got what I really wanted!

Re: Odds of approval on CSR (Edit: Approved Data inside)

YoungB718 — Fri, 26 Aug 2016 03:57:33 GMT

Congrats on the approval. Which bureau did they pull from and what's your AAOA?

Re: Odds of approval on CSR (Edit: Approved Data inside)

Anonymous — Fri, 26 Aug 2016 17:17:31 GMT

They pulled both ex and ex. Aaoa at time of app was just over 3 years.

Re: Odds of approval on CSR (Edit: Approved Data inside)

galahad15 — Fri, 26 Aug 2016 17:19:22 GMT

Congrats on the approval!

Re: Odds of approval on CSR (Edit: Approved Data inside)

Anonymous — Fri, 26 Aug 2016 17:26:49 GMT

EQ and ex rather. Sorry fat fingers on my phone. And thanks!