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Chase Sapphire Reserve Approval

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capnsloya
Contributor

Chase Sapphire Reserve Approval

I had applied over the weekend and didn't receive an instant approval. I called the application status line and got the 2 week message.

 

I called customer service on Monday to see if they needed anything on my end regarding verification. To my surprise, they said no and that they'd call me if anything was required.

 

Well I logged into my Chase account and noticed the sapphire reserve had been added to my credit cards! No approval email or anything of the sort yet.

 

From my account, I can see the following:

 

$18,600 starting limit (my biggest limit yet)

28.74 APR (ouch)

Thankfully, I don't carry balances!

 

They only pulled Experian, 806 FICO Score 8 at time of approval

Current Cards

FICO Score 8's as of February 2023

Inquiries as of February 2023
Message 1 of 19
18 REPLIES 18
GatoradeZeroGuy
Valued Contributor

Re: Chase Sapphire Reserve Approval

amazing Chase approval, congrats!! 

Starting FICO 8:

Current FICO 8:

1/6, 5/12, 12/24




Message 2 of 19
CreditMagic7
Mega Contributor

Re: Chase Sapphire Reserve Approval

Congratulations on your CSR Approval!

Message 3 of 19
C6
Regular Contributor

Re: Chase Sapphire Reserve Approval

I know most will say to pay in full the card balance but I wondered how, with a 800+ FICO score, they justify a near 30% interest rate. Am I the only one that thinks this is insane?

Message 4 of 19
capnsloya
Contributor

Re: Chase Sapphire Reserve Approval

 


@C6 wrote:

I know most will say to pay in full the card balance but I wondered how, with a 800+ FICO score, they justify a near 30% interest rate. Am I the only one that thinks this is insane?


I thought the same thing when I saw my crazy high APR. It's higher than any of my other cards as a matter of fact. 

I wonder if it's due to the CSR being my third card with Chase. I don't know man, crazy stuff

Current Cards

FICO Score 8's as of February 2023

Inquiries as of February 2023
Message 5 of 19
firefox100
Valued Contributor

Re: Chase Sapphire Reserve Approval

Congratulations on your chase approval enjoy it have fun. I also agree that instreat rate is nuts would never pay intrest to any bank.

Message 6 of 19
Blender
Established Contributor

Re: Chase Sapphire Reserve Approval

congrats! 

I hope to get the CSR or CSP over the summer.

1/2024
FICO 8
FICO 9

Message 7 of 19
JoeRockhead
Senior Contributor

Re: Chase Sapphire Reserve Approval

Very nice SL and approval, congratulations!

Message 8 of 19
gingerflower
Valued Contributor

Re: Chase Sapphire Reserve Approval

Congratulations!

Message 9 of 19
M_Smart007
Legendary Contributor

Re: Chase Sapphire Reserve Approval

Congrats on your CSR Approval 🎉🎉🎉

Message 10 of 19
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