Chase Sapphire Reserve Approved

[kerplunk]

$30k SL with $38k income... and from Chase? You must be doing something right!

[Anonymous]

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@kerplunk wrote:

$30k SL with $38k income... and from Chase? You must be doing something right!

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That was base salary -- he didn't list bonuses, which -- who knows? -- might be 100K per year. 

And Congrats! IT on an approval only less beautiful than your overall credit card profile, and the detailing of such. Wow! Great job on the DPs. Thank you. 

[SouthJamaica]

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@IFtkkdx428 wrote:
Hello myFICO members,

I was approved for a $29,900 Credit Limit for the Chase Sapphire Reserve. I stared a thread and everyone disagreed with the Sapphire Reserve decision. Most thought I should apply for the Uber but I calculated $76.90 in more rewards YTD over the Uber. Which is a total of $207.39. I couldn’t help but disagree. I need some wonderful folks out there to lift my spirits and make me feel like I made a good decision (don’t force it of course).

Also, data points below don’t reflect the $9.200 Citibank Double Cash I was approved for on 9/10/2018.

Age: 26
Annual Income: $38,000.00 (Base, commission not included)
Monthly Rent/Mortgage Payment: $0
TU FAKO (Provided by Credit Karma on (9/18/18): 803
TU FAKO (Provided by Capital One on 9/18/18): 803
TU FAKO (Provided by Chase on 9/18/2018): 803
EQ FAKO (Provided by Credit Karma on 9/18/18): 798
TU FICO (Provided by Barclay on 8/12/18): 769
TU FICO Score 8 (Provided by Discover on 9/4/18): 769
EQ FICO Bankcard Score 02 (Provided by Huntington on 9/11/18): 776
EX FICO Score 8 (Provided by AMEX on 9/12/18): 776
EQ FICO Score NG 2 (Provided by PenFed): 789

Credit Card Utilization Rate: 2%
Percent of On Time Payments: 100%
On Time Payments: 332
Total Payments: 332
AAoA: 3 YR 10 MOS
Oldest Open Trade Line: 5 YRS 7 MOS
Newest Open Trade Line: 2 YRS 4 MOS
Total Accounts: 8
Total Credit Limit: $79,550
TU Inquiries: 0
EQ Inquiries: 1
EX Inquiries: 1
Total Inquiries: 0
Derogatory Marks: 0

Current Credit Cards

Capital One Quicksilver Mastercard
APR: 26.65%
Credit Limit: $6,250
Card issued: Jan/2013
Credit Card Utilization Rate: 16%

Chase Freedom Visa
APR: 20.74%
Credit Limit: $4,500
Card Issued: Jan/2014
Credit Card Utilization Rate: 0%

Barclaycard Rewards Mastercard
APR: 22.74%
Credit Limit: $7,100
Card Issued: July/2014
Credit Card Utilization Rate: 0%

American Express Blue Cash Everyday
APR: 17.74%
Credit Limit: $22,200
Card Issued: Nov/2014
Credit Card Utilization Rate: 0%

Huntington Voice World Mastercard
APR: 19.49%
Credit Limit: $3,500
Card Issued: Nov/2014
Credit Card Utilization Rate: 3%

Discover It
APR: 16.74%
Credit Limit: $28,500
Card Issued: May/2015
Credit Card Utilization Rate: 0%

PenFed Promise Visa
APR: 15.74%
Credit Limit: $7,500
Card Issued: June/2015
Credit Card Utilization Rate: 1%

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Anyone who thinks you should have a Barclays card over a top of the line Chase card is seriously mistaken.

[19eighty5]

Awesome starting limit! Congratulations on the approval!

[Anonymous]

Congratulations on your approval! It is a great card and that is a generous starting limit!

[IFtkkdx428]

Thank you! I hope you get the Chase Sapphire Reserve that’s on your “want” list!

[sdsoccerdad]

Congrats on the approval!  You posted $38K as base salary.  May I ask what you typically make with bonuses/commission?

[IFtkkdx428]

I agree. I typically trust the myFICO community. However, I kindly disagreed with the recommendations of the Barclay Uber over the Chase Sapphire Reserve.

[SouthJamaica]

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@IFtkkdx428 wrote:
I agree. I typically trust the myFICO community. However, I kindly disagreed with the recommendations of the Barclay Uber over the Chase Sapphire Reserve.

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Wisely.

[JustBPatient]

Well done!!  Continued success!!