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Chase Sapphire Reserve Weird Approval

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Established Contributor

Chase Sapphire Reserve Weird Approval

First of all.. Do Credit Score History even mean anything on Chase targeted offers?

 

I can't apply for CSR because of my 5/24 situation. I don't want to risk my wife on apping because she's unemployed with a credit score revolving around 640ish to 660.

 

I don't see offers on my Chase Account Login, decided to log in on hers and to my surprise she has few targeted Chase cards offers. Offer for CSP, Freendom Unltd, and CSR..

 

Decided to click on the CSR offer, put my income there since I'm basically her support. Of course added me as her AU.

 

BAM!! Instant approval for $10K.. What the What!? Her other card which is the regular Freedom only has a $600 CL.

 

Anyways.. With this weird approval.. We are very happy!

________________________________________________________________________________________
Goal: FICO Scores 800+. Started at 588 last yr.
Current FICO 8 Scores as of 05/03/18: TU: 724 - EQ: 735 - EX: 711

Cards: Amex BCE, Amex EDP, Chase Frdm, Jetblue Plus, Discover IT, PenFed Plat Rwrds, Amazon Prime Visa, BofA Asiana, Amex Delta Gold, Amex Delta Plat, PayPal Mstrcrd, Amex Plat, Amex SPG, Chase CSR.
14 REPLIES 14
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Established Contributor

Re: Chase Sapphire Reserve Weird Approval

Congrats to her. Wish CHASE approved me for CSR in that weird way lol. But you cannot have a CSR if you have CSP and can't risk closing CSP.








Shell FCU : 5K, Alliant CU Loan : $35000
Message 2 of 15
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Established Contributor

Re: Chase Sapphire Reserve Weird Approval


@sghosh5 wrote:

Congrats to her. Wish CHASE approved me for CSR in that weird way lol. But you cannot have a CSR if you have CSP and can't risk closing CSP.


I don't even have one and its my dream card. LOL, the closest I'm getting to it is AU from her.

________________________________________________________________________________________
Goal: FICO Scores 800+. Started at 588 last yr.
Current FICO 8 Scores as of 05/03/18: TU: 724 - EQ: 735 - EX: 711

Cards: Amex BCE, Amex EDP, Chase Frdm, Jetblue Plus, Discover IT, PenFed Plat Rwrds, Amazon Prime Visa, BofA Asiana, Amex Delta Gold, Amex Delta Plat, PayPal Mstrcrd, Amex Plat, Amex SPG, Chase CSR.
Message 3 of 15
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Senior Contributor

Re: Chase Sapphire Reserve Weird Approval

Congrats on approval and Welcome to CSR FAMILY !!!!!

thats good your wife got approve with that fico score

nobody can predict chase hehe , im blown away

can you provide data points

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 4 of 15
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Established Contributor

Re: Chase Sapphire Reserve Weird Approval


@VoltronM wrote:

Congrats on approval and Welcome to CSR FAMILY !!!!!

thats good your wife got approve with that fico score

nobody can predict chase hehe , im blown away

can you provide data points

 


She literally ruined the approval odds.. LOL

 

She has couple of charged offs which was preventing her credit to climb in the 700s. Her FICO revolves around 640ish to 660.

She has 3 cards. Freedom with CL $600, CapOne Plat $1500, and Barclay Apple at $1300.

 

I don't know what else to provide.. LOL

 

I 'm always the person that app for Credit Cards and no way I ever had a 10K instant CL. Had to work hard to climb up the 10K tier LOL.

________________________________________________________________________________________
Goal: FICO Scores 800+. Started at 588 last yr.
Current FICO 8 Scores as of 05/03/18: TU: 724 - EQ: 735 - EX: 711

Cards: Amex BCE, Amex EDP, Chase Frdm, Jetblue Plus, Discover IT, PenFed Plat Rwrds, Amazon Prime Visa, BofA Asiana, Amex Delta Gold, Amex Delta Plat, PayPal Mstrcrd, Amex Plat, Amex SPG, Chase CSR.
Message 5 of 15
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Moderator

Re: Chase Sapphire Reserve Weird Approval

Honestly if you are in the 640's+ range chase seems to approve alot of people.. Might not be the best apr or CL as she got the min (10k) cl for the card but a ton of approvals of people and chase cards in the low to mid 600's..

Message 6 of 15
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Senior Contributor

Re: Chase Sapphire Reserve Weird Approval

Congratulations on the approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 15
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Frequent Contributor

Re: Chase Sapphire Reserve Weird Approval

That's fantastic!! Congrats on the approval to you and wife!

College Junior
Starting Score: 724
Current Score: 744
Goal Score: 775

Message 8 of 15
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Established Contributor

Re: Chase Sapphire Reserve Weird Approval


@CreditCuriosity wrote:

Honestly if you are in the 640's+ range chase seems to approve alot of people.. Might not be the best apr or CL as she got the min (10k) cl for the card but a ton of approvals of people and chase cards in the low to mid 600's..


@Interesting to know this.. Thanks @CreditCuriosity

 

I thought wife totally messed up the Approval Odds system with her Scores.

________________________________________________________________________________________
Goal: FICO Scores 800+. Started at 588 last yr.
Current FICO 8 Scores as of 05/03/18: TU: 724 - EQ: 735 - EX: 711

Cards: Amex BCE, Amex EDP, Chase Frdm, Jetblue Plus, Discover IT, PenFed Plat Rwrds, Amazon Prime Visa, BofA Asiana, Amex Delta Gold, Amex Delta Plat, PayPal Mstrcrd, Amex Plat, Amex SPG, Chase CSR.
Message 9 of 15
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Valued Contributor

Re: Chase Sapphire Reserve Weird Approval

Congrats on the approval. I thought there was a minimum on the CL on the high tier cards?

Isn't signatures usually 5k minimums and above that 10k minimums?

Either way, nice SL!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 10 of 15
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