As I have a international travel coming up this year end, i was looking for a travel card. My eyes were all over CSR but did not had hope as i was 7/24 and in 7 months i have got 2 cards from chase. I was also looking for alternatives and seeking suggestions in this thread:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Sapphire-Reserve-and-alternatives/m-p/5758...
I applied without any pre approval in branch and denied for CSR on 9/28, my banker tried calling for recon and they turned down for 7/24.
I then applied for USB AR after thinking about it for couple of days, on 10/1. Got a message to call a number as they were not able to approve immediately. I called and they said they are application department and can't look for existing applications and gave me the UW phone number.
I called the next day, and got to know that there is a lock in EX file and i have to remove that and call them back. I didn't know they gonna pull EX. I was thinking they will pull TU (I'm In NJ).
I removed the lock and called back on 10/3. I was informed that the HP went thru and application was in progress. Automated line gave me 2-3 days message until yesterday evening 5pm. After 5 it turned to "Congratulation"
Seems like 6AM is the cut off for the account to appear online. I'm more seeing a new card added with a limit of $9000. I'm really happy that they approved as i read some posts here they are not approving if you are not 1/12. Not sure if i should recon SL, I may run close to the limit during the trip and would be comfortable if I'm not making multiple payments while on the trip.
I'm 2/6, 3/12 and 7/24 right now. EX Fico8 is 762.
Also, when waiting for this application to process, I remembered hitting the 90day mark with my BoA CR CLI, logged in and I saw the link to request, I put in $99,900 lol.. it came back with $25,100.
CR opened 4/1 SL $5500, CLI on 7/4 to $15000 and 10/4 to $25100. TU Fico 8 is 783.
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Sapphire-Reserve-and-alternatives/m-p/5758...
I applied without any pre approval in branch and denied for CSR on 9/28, my banker tried calling for recon and they turned down for 7/24.
I then applied for USB AR after thinking about it for couple of days, on 10/1. Got a message to call a number as they were not able to approve immediately. I called and they said they are application department and can't look for existing applications and gave me the UW phone number.
I called the next day, and got to know that there is a lock in EX file and i have to remove that and call them back. I didn't know they gonna pull EX. I was thinking they will pull TU (I'm In NJ).
I removed the lock and called back on 10/3. I was informed that the HP went thru and application was in progress. Automated line gave me 2-3 days message until yesterday evening 5pm. After 5 it turned to "Congratulation"
Seems like 6AM is the cut off for the account to appear online. I'm more seeing a new card added with a limit of $9000. I'm really happy that they approved as i read some posts here they are not approving if you are not 1/12. Not sure if i should recon SL, I may run close to the limit during the trip and would be comfortable if I'm not making multiple payments while on the trip.
I'm 2/6, 3/12 and 7/24 right now. EX Fico8 is 762.
Also, when waiting for this application to process, I remembered hitting the 90day mark with my BoA CR CLI, logged in and I saw the link to request, I put in $99,900 lol.. it came back with $25,100.
CR opened 4/1 SL $5500, CLI on 7/4 to $15000 and 10/4 to $25100. TU Fico 8 is 783.
The AR is a fantastic card... enjoy and congratulations!
Thank you UncleB 
@Anonymous wrote:
Congrats OP - I’m a long way from that card but from what I’ve read, it’s a gem. Enjoy it!
@Anonymous not too long ago the thought of me getting any premium card was laughable (you have no idea)... hang in there, we'll save you a seat! 
Congrats!!
