Chase Sapphire Reserve - Update: Approved

[Anonymous]

Hi all, I am a new member to the forums, but have been looking through them for quite some time for advice and info on just about everything credit related. You guys have been incredibly helpful in figuring out the whole credit game, and I thank you all very much for that. 

I travel quite a bit and would love to have the CSR for all the great perks (and its a good looking card). My scores as of right now are

740 FICO from Discover scorecard

750 for both EF & TU from CreditKarma

AAoA is 2 years

Only two cards right now, Amex Blue Cash Preferred CL: 10,000 and CapOne Quicksilver CL: 1900. 

Income: 50k

No missed payments or anything negative on my credit history.

I read that having a previous relationship with chase could help, and I have had a checking and savings account with them for about 6 years. I am worried that my short credit history is going to hurt my chances of being approved. What do you guys think? 

Mod note:  I've updated your subject to reflect your approval; feel free to change/edit if you would like.  --UB

[Anonymous]

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@Anonymouswrote:

Hi all, I am a new member to the forums, but have been looking through them for quite some time for advice and info on just about everything credit related. You guys have been incredibly helpful in figuring out the whole credit game, and I thank you all very much for that. 

I travel quite a bit and would love to have the CSR for all the great perks (and its a good looking card). My scores as of right now are

740 FICO from Discover scorecard

750 for both EF & TU from CreditKarma

AAoA is 2 years

Only two cards right now, Amex Blue Cash Preferred CL: 10,000 and CapOne Quicksilver CL: 1900. 

Income: 50k

No missed payments or anything negative on my credit history.

I read that having a previous relationship with chase could help, and I have had a checking and savings account with them for about 6 years. I am worried that my short credit history is going to hurt my chances of being approved. What do you guys think? 

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What are the balances on your cards? 

[Anonymous]

About 350 on each, total utilization is 6%. Should have added that in the post!

[Anonymous]

How old is the Blue Cash?

[Anonymous]

About 8 months old

[Anonymous]

Are you showing any offers on the pre-qual page or under the "offers" tab on your chase account? They won't show a reserve pre-qual but just knowing that you're eligible for any of their cards might help

[Anonymous]

I have an offer for the Freedom Unlimited, but it must be new because I never noticed it until just now. 

[Anonymous]

Welcome to MyFICO

You stand a decent chance of being approved.  I would just go ahead and apply.  You may have to recon but Chase is good with that.  In the end if you apply and are ultimately denied, it's not that big of a deal and then I would apply for either the FU or Freedom card, use it for 6 months and then reapply.  Either of those cards pair well with the CSR in earning UR points.

[Anonymous]

Can the FU cashback be transferred to UR points on the CSR account? I know I’m getting ahead of myself but in the case that I get denied I think going with the plan you said is a great idea .

[Anonymous]

Yes. The freedom and freedom unlimited accrue ultimate rewards points that can be transferred to the Reserve st a later date.