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Chase Sapphire Reserve - Approved

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WomanITGeek
Contributor

Chase Sapphire Reserve - Approved

I am running a balance so wasn't sure if I should apply. Woke up and said Go For It! Instantly approved for $10,800 and they pulled Experian. I don't know my internal chase credit score (will update this thread when I get it in the mail). My Experian Fico 8 is 692 right now (running a balance on a few cards). Will be paid to zero this month. When I am playing the utilization game, my EX is 736. No baddies anymore as I finally have a clean report on EX as of a few months ago. This is my highest limit card yet!

 

Last inquiry was in May of this year for my auto lease. Total of 9 inquiries on EX Last time I applied for a CC was in July of 2021 and I received a CFU ($1200 CL) AMEX Gold (NPSL) and a Citi Custom Cash ($5100) all in that month. 

Let me know if I missed anything! This forum has been heaven sent for the clean up of my credit to having a mortgage and top tier credit cards! I can't say thank you enough!

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AMEX Gold: NPSL | Citi Custom Cash: $16,600 | Chase Freedom Unlimited: $15,600 | Chase Sapphire Reserve: $28,800 | Express (Comenity) $5000
Message 1 of 29
28 REPLIES 28
calisig
Regular Contributor

Re: Chase Sapphire Reserve - Approved

Wow! Sapphire Reserve instant approval at 692 - I wouldn't have predicted that. Congratulations and thanks for sharing

13Oct22 Exp F8: 812
Message 2 of 29
WomanITGeek
Contributor

Re: Chase Sapphire Reserve - Approved


@calisig wrote:

Wow! Sapphire Reserve instant approval at 692 - I wouldn't have predicted that. Congratulations and thanks for sharing


Agreed! I really thought I should have waited to get my utilization down to bring my score higher but I went for it. Maybe my income helped? I'm at 190,000 and I have taken great care of my CFU I got from them over a year ago although I wish it would grow faster.

AMEX Gold: NPSL | Citi Custom Cash: $16,600 | Chase Freedom Unlimited: $15,600 | Chase Sapphire Reserve: $28,800 | Express (Comenity) $5000
Message 3 of 29
WomanITGeek
Contributor

Re: Chase Sapphire Reserve - Approved

Lost 1 point due to the inquiry this morning and 3 of my now 10 inquiries will be dropping off in October. Just want to provide as much data points as possible.0C188AF5-CBAF-4BCA-8822-59A3C321A0DF.jpeg

 

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AMEX Gold: NPSL | Citi Custom Cash: $16,600 | Chase Freedom Unlimited: $15,600 | Chase Sapphire Reserve: $28,800 | Express (Comenity) $5000
Message 4 of 29
M_Smart007
Legendary Contributor

Re: Chase Sapphire Reserve - Approved

Congrats on your Chase Approval!

Message 5 of 29
CreditCuriosity
Moderator Emeritus

Re: Chase Sapphire Reserve - Approved

Congrats.. Chase doesn't care a huge amount about scores as long as your reports are clean and applier house is in order and one is under 5/24 they need to continue to grow their client base is their goal.

Message 6 of 29
WomanITGeek
Contributor

Re: Chase Sapphire Reserve - Approved


@CreditCuriosity wrote:

Congrats.. Chase doesn't care a huge amount about scores as long as your reports are clean and applier house is in order and one is under 5/24 they need to continue to grow their client base is their goal.


Great point! That is exactly why I wanted to post all my data because I feel some people wouldn't even think of applying with a score under 700.

AMEX Gold: NPSL | Citi Custom Cash: $16,600 | Chase Freedom Unlimited: $15,600 | Chase Sapphire Reserve: $28,800 | Express (Comenity) $5000
Message 7 of 29
coreyb80
Super Contributor

Re: Chase Sapphire Reserve - Approved

Congrats on the approval!

Message 8 of 29
learningcredit54
Regular Contributor

Re: Chase Sapphire Reserve - Approved

No better feeling than a surprise approval - congrats!!

Business Cards:
Amex Business Plus: 6000 // Amex Business Hilton Honors: 3000 // Amex Delta Gold: 4900 // Amex Business Platinum NPSL POT 5000 // Amex Business Gold NPSL POT 15000

Personal Cards:
Discover It Cash Back: 8000 // Chase Saphire Preferred: 5000 // Truist Enjoy Beyond: 4500 // Amex Blue Cash Preferred: 1000 // Cap1SavorOne: 2000 // Cap1 Secured Platinum: 200 // Cap1 QuiksilverOne 2000 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750


GOAL SCORES 750 ACROSS
Message 9 of 29
ocheosa
Valued Contributor

Re: Chase Sapphire Reserve - Approved

@WomanITGeek 

Congratulations! Woo hoo!

[4/23] Scores 8/9: 700-800s. Util: 1%. Inq/12: EQ 0, EX 5, TU 1. AoOA=14.8y, AoYA=9m.
TCL $618K: Personal $512K, Business $106K.
Message 10 of 29
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