Chase Sapphire Reserve Approval

Anonymous · ‎10-04-2016

So I am thinking of applying for CSR but have a bit different of a situation than most I've seen.

I have been an authorized user on a CSP for like 4 years with no late payments and a $33k CL. My Credit Karma score is in the 750-770 range.
I'm only 22 though and I do not have much income history. I'm currently in my first job which will go until November (campaign related) with a prorated salary of $40-$45k.

Is the good credit and history with chase good for a shot at this card? Or does the limited income history not make this a good idea? Any help would be appreciated

Anonymous · ‎10-04-2016

You can always shade your income history to be a little more favorable.

But do you at least have some of your own credit history other than being an AU?

If so and if it consists of perhaps a car loan and maybe a major cc I say, IMHO, why not?

Let us know. Good luck.

Anonymous · ‎10-04-2016

@Anonymous wrote:
So I am thinking of applying for CSR but have a bit different of a situation than most I've seen.

I have been an authorized user on a CSP for like 4 years with no late payments and a $33k CL. My Credit Karma score is in the 750-770 range.
I'm only 22 though and I do not have much income history. I'm currently in my first job which will go until November (campaign related) with a prorated salary of $40-$45k.

Is the good credit and history with chase good for a shot at this card? Or does the limited income history not make this a good idea? Any help would be appreciated

Campaign related job sounds fun, any chance you went to the first debate? I know of some campaign staffers that went. In any event, sounds cool.

As for the CSR, I think we'll need a bit more info. Is your CSP AU the only credit related history you have? Or do you have any accounts in your own name? The Chase AU definitely can't hurt, but I also am not sure it it would be enough on its own. If credit karma says 750-770 your FICO is probably pretty good, if you really wanted to be sure you could pay $1 for the CreditCheckTotal trial, but I don't really think that's necessary.

I'm just curious if you have any of your own accounts, and if so, how long you've had them and what the credit limits are.

I'm not that old either, however, I usually just put my income + my parents (or rather what I can reasonably expect to have access to), some on here have disagreed with doing this, but I see nothing wrong with doing that if you can expect them to help out.

Anonymous · ‎10-04-2016

Thanks for getting back to me. As for other stuff on my credit score:
I was an authorized user on the original chase sapphire as well for about 4 years with one 30 day late payment rest all good, and I had my own clothing store card for 2 years with very limited spending (like 1 purchase over the stretch). There are no loans or other sorts of things out there.

Anonymous · ‎10-04-2016

And no but we did take part in a watch party for it!

Anonymous · ‎10-04-2016

I'm going to guess a probable decline. Perhaps set your sights a little lower.

Anonymous · ‎10-04-2016

@Anonymous wrote:
You can always shade your income history to be a little more favorable.

But do you at least have some of your own credit history other than being an AU?

If so and if it consists of perhaps a car loan and maybe a major cc I say, IMHO, why not?

Let us know. Good luck.

Encouraging people to lie or commit fraud on a cc application is not allowed on these forums. Please refrain from doing so.