Thinking about applying for Chase Sapphire Reserve...

[Anonymous]

Weird I just pre-qualified for the Gold Delta SkyMiles Card. No other products were listed. 

[simplynoir]

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@Anonymouswrote:

Weird I just pre-qualified for the Gold Delta SkyMiles Card. No other products were listed. 

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Huh, that's weird. I still think you're solid to get the Plat but that choice is ultimately up to you.

[Anonymous]

Called AMEX on the phone and applied for the Platinum card. Was instantly approved via phone (felt good as my score was in the 5's not too long ago) card should arrive Tuesday or Wednesday. I was surprised as I heard they give you your number right away for online purchases but I didn't receive anything. 

[simplynoir]

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@Anonymouswrote:

Called AMEX on the phone and applied for the Platinum card. Was instantly approved via phone (felt good as my score was in the 5's not too long ago) card should arrive Tuesday or Wednesday. I was surprised as I heard they give you your number right away for online purchases but I didn't receive anything. 

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Awesome congrats! And no worries they'll be overnighting that card free of charge. You should have the card in your possession by no later than Tuesday.

[RicHowe]

Call and talk to CSR at Chase. Ask for underwriting - as you will be more than happy to help them verify your credit card application with them to expedite things.

Should be an approval. Don't wait.

[Shadowfactor]

I second calling and talking to someone.
They will use the same hardpull if you app for the CSR and are denied then decide to app for the CSP. This must be done the same day though.

My fiancé just did the exact same thing. She was right at 5/24 so she tried the CSR. Called a bunch they said no because of 5/24 so she app’d for the CSP since she was Prequalified for it the same day. Instant approval.

[Anonymous]

It's strange, I applied on Friday. Called Saturday to check status (still technically business hours for credit cards apparnetly) Still got the 30 days update. I asked to speak to an underwriter. The lender said this application is still processing and we have no updates for you. You'll receive an update from us within 30 days. 

Should I just wait now? Call back later in the week when they've had more time? I called this morning and the automated line still said 30 days. 

[Anonymous]

The plot thickens... I called the automated status line today and it changed to "Thank you for applying we'll let you know in 7-10 business days" Which from my understanding is a rejection. I called the reconsideration line and the rep said "I looked into it and the note on your account says its being handled by another department and they'll let you know in writing within 1-2 weeks" . 

So now it seems I'm getting conflicting information from Chase. I have 7-10 day rejection and a 1-2 week approval. We'll see what happens. 

[Anonymous]

 Ok, I got the official rejection from chase. They said it was due to age of my accounts (4 years total average 2) and the fact that I haven't had any limits above $1500. 

I called the reconsideration line twice and talked to two different reps both weren't able to approve me as "they didn't see any information to support that I'd be able to handle the card" 

It's really unfortunate, I'm not sure what to do about this now? I did just open a bank account with Chase, perhaps I go in the branch and see if my guy and pull some strings?

[JuliusC]

That’s a biggy for Chase. They don’t like to be the first lender to give high limits unfortunately. Being a Chase member, you might see prequalifications pop up. Don’t feel defeated. You have a great profile, but you need another bank to get you a high limit so that Chase doesn’t consider you such a risk.