@Remedios wrote:
@Anonymous wrote:@Jetiquette @coldfusion @K-in-Boston @Remedios
And just to let everyone know I applied for CSR not CSP. This is probably the reason. :/
Most likely that's the biggest reason ... CSP had a much better chance for approval.
Sadly, you aren't close to CSR requirements, and it can be pretty tempting when you read breakdowns on how great CSR, except those are generalized statements. It is a great card, but your profile isn't there yet.
You should try recon, you already took a HP, but I don't see Chase budging on approving CSR.
Maybe the lesson here is two fold, one for our members to look at individual profile before singing odes to cards that are out of the reach, and for you to stay within more realistic goals when planning applications.
@Anonymous wrote:
@Remedios Lesson learned, don't
listen to others and if you do... do the research on what their suggesting before making a move. Just sucks that since I only apply for new products every 6 months now it will be a whole year total before I get a new card. :/
My apologies @Anonymous for any role I had in giving you false hope for approval of the CSR. I'm really surprised at the denial! I would definitely talk to underwriting and see if they could consider the HP for a CSP, but it sounds like their issues go beyond which card they would approve you for. In more robust economic climate (pre-coronavirus), I honestly think you would have had a good chance for either CSP or CSR but all lenders have tightened down their criteria. So I wouldn't say that the lesson is to not ever listen to others on My Fico. None of us are 100% experts here and none of us have a crystal ball to give you perfect guidance. And as others did I'm sure, I did take your profile points into consideration and my personal suggestion to apply was based on not only what I had seen personally but also from many other profiles on My Fico in the recent past. So the lesson would be to take guidance on My Fico collectively among us all as only one subjective piece of data and combine that with your own independent research before making a move. In the end, we're all alone with our creditors and have to take personal responsibility for whatever the outcomes of our credit moves. Still, I wouldn't trade the feedback and guidance of this community for anything, since it's a much better option that going it truly alone and blindfolded! I've had declines in the past few months myself, and yes they stink! But as pointed out upthread, it's not personal and the data points I had gleaned from others experiences don't apply in the present economy. Best of luck with any reconsideration and welcome to our community! 
@Remedios wrote:
@Anonymous wrote:
@Aim_High wrote:
- $300 travel credit applies to a wide range of travel charges from not only flights but also hotels, rental cars, tolls, parking, taxis and limos, cruises etc. And during coronavirus, Chase has opened up charges for gas and groceries to count against the $300 travel credit, so you'll get that money back.
Curious on how long this is supposed to last?
"Pay yourself back" is through end of September
Actually, these are two separate programs @Anonymous.
Pay Yourself Back is available on the Chase Sapphire Reserve, Chase Sapphire Preferred, and JP Morgan Reserve cards. I have it on my CSR and I'm not showing an expiration date. You can use UR points to apply statement credit to charges within the past 90 days. The allowable categories are groceries, dining out or delivery, home improvement stores, and selected charities.
On the other hand, the $300 travel credit which is usually restricted to only travel-category purchases has been opened up to include gas and grocery purchases through the end of 2020, at least on my Chase Sapphire Reserve account.
See screenshots below.
@Anonymous wrote:@Jetiquette @coldfusion @K-in-Boston @Remedios
And just to let everyone know I applied for CSR not CSP. This is probably the reason. :/
I would still try the recon tomorrow.
FWIW I would have suggested applying for the CSP instead unless you had a green check mark or black star offer, which I asked about in the post where I suggested considering the CSR. If you had an offer for CSR, that would have been as close to a sure thing for approval as things get in the credit world. Sorry if anything in my post led you to believe I was stating that CSR approval was a sure thing; that certainly wasn't my intention as that card has a much higher bar for approval. Even when the CSR makes sense, CSP has been the gateway to achieve it via product change for many of us whether due to profile or (as was my case) because there was a green check mark offer for CSP that bypassed Chase's 5/24 rule.
