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Chase Sapphire Reserve (CSR) Approved !!! $30K SL

New Member

Chase Sapphire Reserve (CSR) Approved !!! $30K SL

I have been in garden for little over 2 years, perfecting my score. I've been planning to apply for CSR for last 3 months and aiming to get my equifax high. I've never seen any Pre-Qualify or Pre-Approval anywhere for this card. I saw it for CSP many times. And yesterday was finally the day to go all in for it. 

My score was at all time high:


Applied online at 2AM on 12/18. Message showed up with 30 days notice. Then I called right away to check the status and it was just playing 30 days notice message. I had no patients. I called couple of time but it was 2 am, nobody is working on my application stupid. 

Right away they pulled Equifax, and in the morning they pulled Experian.


In the morning and rep told me, your app is in fraud detection dept. Then they told me, they are gonna send out a form for me to fill up with verifying my social and all. But that would take 10 days in total. I wasn't gonna wait that long. I went to the Bank location and he helped me fill up the form and fax it to them. After couple hours I called again, The 7-10 business days message was playing. I called few times more the same day, but same response. 


Next day 12/19, I called the fraud detection team and they asked to verify my info and during the call and Voila... 30K starting limit

I am very thrilled. 


Data points (At the time of app):

FICO 8 ---> TU = 720, EQ = 719, EX = 719

VantageScore 3.0 ---> TU = 739, EQ = 767

No of inquiry : TU = 1, EQ = 1, EX = 4

Collection Account : 1 (Paid, 2 years 3 months old) 

Credit Util = 13%

AAoA - 3 years 5 months

Oldest Card - 5 years 4 months.

Total Accounts (Open+Closed) = 13

Highest Limit = $6,000 ($10,000 as authorized user)

Total Limit = $35,000

Mega Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Congratulations on your approval!
Message 2 of 16
Senior Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Fantastic approval - congrats!!
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 16
Moderator Emeritus

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Excellent approval considering CO account although paid and other CL not being very high.  Congrats on a nice approval

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Marriott 15k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 17.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 12.5k | SECU 20k | Discover 20k | William Sonoma 30k| Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Gold 10k | Amex Business Lowes 10k
Message 4 of 16
Super Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Another victory  I see.

Congrats again

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840

"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 5 of 16
Valued Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Holy sh*t that’s awesome!
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 6 of 16
Senior Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

@Maulik wrote:

I've been planning to apply for CSR

Voila... 30K starting limit

Welcome to My Fico Forums and congratulations on an awesome approval!

$30K is a great SL with CSR, especially considering

your other limits and scores not being 740+!

You didn't mention income so I'm curious but guessing

you must have nice six-figure salary to get that SL?

Just curious about that data point. 

The Sapphire Reserve is a great card, Enjoy! Smiley Very Happy




Length of Credit > 35 years; Total Credit Limits > $700K
AoOA > 29 years (Jun 1993); AoYA (Sep 2022)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 16
Valued Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Congratulations on an incredible SL ...! Awesome 👍
Message 8 of 16
Moderator Emerita

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Great approval, congrats! 

Got some pruning to do... No more new cards!
Message 9 of 16
Senior Contributor

Re: Chase Sapphire Reserve (CSR) Approved !!! $30K SL

Congrats on your CSR approval and monster SL! Smiley Very Happy

Message 10 of 16
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