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Chase Sapphire Reserve approval on 09/25/2019

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Anonymous
Not applicable

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!
Message 1 of 15
14 REPLIES 14
Marz2002
Senior 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 BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 2 of 15
Anonymous
Not applicable

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 Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $25,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $14,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000


Total CLI - $395,900
Message 4 of 15
Aim_High
Super Contributor

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


@Anonymous 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

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* 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!
Message 7 of 15
M_Smart007
Legendary 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.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 9 of 15
M_Smart007
Legendary 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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