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Chase Sapphire Reserve approval on 09/25/2019

DentGodil
Established Member

Chase Sapphire Reserve approval on 09/25/2019

Hello,
I have been reading up a lot on this forum regarding The Sapphire Reserve. According to my Experian App and online I have a thick profile.
Some data points I would like to share here:

Tons of student loans
Credit card utilization under 11%
Fico8 Experian 751, TU 747 and Equifax 739
Income ~200k
Banking with Chase for 9 months
And my car lease is with them for almost two and a half year now.

I went to the branch and applied there! Instant approval for $36700 with 18.74% APR

I waited a year! My score was in 500s. Brought it upto 751 and applied with a bang
Hopefully this helps!
Thank you all!
Starting Score: TU: 740 EX: 755 EQ: 755
TU: 691 EX: 682 EQ: 685
Goal Score: 750 across all boards


Take the myFICO Fitness Challenge
Message 1 of 15
14 REPLIES 14
Marz2002
Valued Contributor

Re: Chase Sapphire Reserve approval on 09-25/2019

BOOM...You...REALLY...

Awesome Congratulations GIF by Slanted Studios

HUGE  CONGRATS  on your Chase Sapphire Reserve approval, the EXTRAORDINARY  SL, and Thanks for the DPs!!!  

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 2 of 15
Steve891
Senior Contributor

Re: Chase Sapphire Reserve approval on 09-25/2019

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




Message 3 of 15
rgate88
Regular Contributor

Re: Chase Sapphire Reserve approval on 09-25/2019

That starting limit Heart

 

Congrats!

CO Platnium - $500; CO Quicksilver - $2,000; CO BuyPower - $600; Target MC - $7,500; Chase Amazon Prime - $2,000; Care Credit - $6,000; PNC Core - $12,000; Citi DoubleCash - $6,300 - AmEx Everyday Preferred - $15,000; Citi Simplicity - $21,000; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $25,000; U.S. Bank Radisson Rewards Premier Signature - $15,000; AmEx Platinum - NPSL; Elan Max Cash (Alliance CU) - $20,000

Hidden Trade Lines - Chase Ink Cash - $19,600; Amazon Business Prime - $1,500; Chase Ink Preferred - $10,000; AmEx BBP - $5,500; AmEx Lowes Business - $3,000

Total CLI - $200,300
Message 4 of 15
Aim_High
Senior Contributor

Re: Chase Sapphire Reserve approval on 09-25/2019


@DentGodil wrote:

I have been reading up a lot on this forum regarding
The Sapphire Reserve
Some data points:
Tons of student loans
Credit card utilization under 11%
Fico8 Experian 751, TU 747 and Equifax 739
Income ~200k
Banking with Chase for 9 months
And my car lease is with them for almost two and a half year now.
I went to the branch and applied there! Instant approval for $36700.

Congrats on the approval and MONSTER SL!  Smiley Very Happy

 

Those are quite interesting DPs and speak a lot to two factors:

   (1)  Relationship with Chase

   (2)  Applying in branch

 

I got the CSR last year. 

I was approved for $35K SL, which I thought was fairly high.

I haven't seen too many approvals even at $35K, much less above!

In contrast, you would have thought my DPs would justify a higher SL.

However, I did not have the banking relationship and I applied online.

I recently have become more aware of how important banking

relationship is with Bank of America. 

Apparently, the same is true to some degree with Chase! 

Well played! Smiley Happy


  MY Data Points at time of $35K approval:

  Credit card utilization under 01%

  Only debt a mortgage and small car loan (with another bank)
  Fico8 scores all over 800
  Income ~350k
  No banking with Chase
  Chase credit card customer for 19+ years

 



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 28 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 5 of 15
SEAlifer
Established Contributor

Re: Chase Sapphire Reserve approval on 09/25/2019

Man, that SL is extraordinary!

wowgif.gif

AU


Message 6 of 15
Drwaz99
Established Contributor

Re: Chase Sapphire Reserve approval on 09/25/2019

Holy shtick! Congrats! Nice SL!
US Bank Altitude Reserve 18.1k
Chase Freedom Unlimited 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 20k
American Express Amazon Business Prime 14k
Barclays Aviator Business 5k
Citibusiness AAdvantage 11.9k
Citi Double Cash 15k

Fico 8s as of 06/10/2021:




Message 7 of 15
M_Smart007
Epic Contributor

Re: Chase Sapphire Reserve approval on 09/25/2019

 

Don't break out this to often, but it kinda fits your approval ..A Job Well DoneSmiley Happy .Congrats!!!

 

Message 8 of 15
Meanmchine
Super Contributor

Re: Chase Sapphire Reserve approval on 09/25/2019

Whats the address of the branch you went to?

Congrats !


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 9 of 15
M_Smart007
Epic Contributor

Re: Chase Sapphire Reserve approval on 09/25/2019


@Meanmchine wrote:

Whats the address of the branch you went to?

Congrats !


Sounds like The Fort Knox branchSmiley Very Happy

 

Message 10 of 15
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