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My Chase Sapphire Reserve Approval Odds

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fltireguy
Valued Contributor

Re: My Chase Sapphire Reserve Approval Odds

Your BK is old enough so that TU and EX will do an early exclusion.. why not try that first?
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 11 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

I should have specified that it was a Ch. 7 BK. Or am I missing something?

Message 12 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

I'm in the dreaded 7 - 10 day "further review" holding pattern.

Message 13 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

Went down to branch again and found out that my application was denied due to BK. Called recon line and spoke to very cool gentleman who I pled my case to and am now waiting yet again. Fingers crossed.

Message 14 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds


@Anonymous wrote:

Went down to branch again and found out that my application was denied due to BK. Called recon line and spoke to very cool gentleman who I pled my case to and am now waiting yet again. Fingers crossed.


 

 

Good luck I'm hoping you get it.  You've done right since your BK you deserve it.  Hopefully they see it the same way.  Did you tell them of your traveling and spending habits regarding travel every month?

Message 15 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

That was my main response when they asked why I was applying for the CSR. After going back and reading other stories I'm kind of surprised that they told me reconsideration would take 24 - 48 hours. All other stories that I have seen related to BK denials they stated 2 weeks or 30 days.

 

Funny how one can start trying to read something out of anything. Time will tell.

Message 16 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

I have an offer from United for 50,000 bonus miles for Mileage Plus Explorer card. I wonder if while I am waiting I should apply for that too since? Anyone have any thoughts?

Message 17 of 29
Anonymous
Not applicable

Re: My Chase Sapphire Reserve Approval Odds

I just logged into my accounts and saw a beautiful thing, Sapphire Reserve with a $12,000 CLI listed. I'd like to thank everyone for their support and advice. It was greatly appreciated.

Message 18 of 29
Cstl05
Contributor

Re: My Chase Sapphire Reserve Approval Odds

Awesome!  Congratulations.

Chase Sapphire Reserve/Chase Sapphire Preferred/Ritz Carlton/Chase Freedom/Amex Blue Cash/Discover IT/Capital One Quicksilver/Bank of America Cash Rewards/Citi Costco/Citi Double Cash/Barclay Apple Rewards
Message 19 of 29
sjt
Senior Contributor

Re: My Chase Sapphire Reserve Approval Odds


@Anonymous wrote:

I just logged into my accounts and saw a beautiful thing, Sapphire Reserve with a $12,000 CLI listed. I'd like to thank everyone for their support and advice. It was greatly appreciated.


Congrats!

 

What where the questions they asked during the recon conversation?

 

 

American Express: Platinum Charge, Business Platinum, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Globe WLMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 20 of 29
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