Last Thursday I went into the nearest Chase Branch to check for pre-approvals after opening a Chase Total Checking a few weeks ago and diverting 1/8th of my net paycheck to that account.
I asked the banker if I had any pre-approved offers (nothing has EVER shown up online, and my Chase Freedom has been bucketed at $1,500 for 2.5 years), and he said, “well you’re pre-approved for them all.”
Long story short, I check my Chase App just moments ago and I’m approved for the CSP with a $12,100 SL and at 22.49% standard APR. This is my second Chase card ever, and first Sapphire-branded card. I’m likely going to upgrade to CSR when I hit the spend bonus or after a year and downgrade my AmEx Platinum to Gold.
I am so LOL/24 it’s unbelievable, perhaps might even be 12-15/24.
You can check out the story in the CC Apps Forum since I’m posting from my phone at work & I don’t want to be too redundant, but any website claiming in-branch workaround is dead is totally wrong. Even called RoboLady and she confirmed the same information.
Here’s the CC App thread-https://ficoforums.myfico.com/t5/Credit-Card-Applications/CSP-in-branch-question/td-p/5638756
Hope this helps folks.
My highest two limits are $50,000 on my Merrill+ and $45,000 on my BofA Cash Rewards, both VS obviously. Sure that took my SL up.
Now, I just hope that what I’ve read about the SUB isn’t true (not applicable) if you get approved through a workaround because I’ve definitely never had a Sapphire product, and this will certainly be a daily driver in due time.
Thanks for all the info, folks! Happy to answer more questions.
What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)
What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)
Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.
EQ 759, EX 765, TU 771 (06/10/2022)
I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!