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Finally...Chase Sapphire Reserve

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Valued Contributor

Finally...Chase Sapphire Reserve

Finally, in with Chase

I had previously been denied the Chase Sapphire Reserve card back in 2017…with no luck with recon.

I said back then I would not apply again…knowing the reason for the denial was for a previous late mortgage & credit card back in 2013. Both accounts were paid off …with only the mortgage being the only ding on my EQ report. My EX report is clean.

 

Fast forward to yesterday I decided to apply (against my better judgement..didn’t want to waste the HPs) and of course big fat DENIAL. Today, I received the denial letter in my inbox. (I have a Chase checking account). Knowing….I was never going to apply again, I gave to reconsideration line one more try. Call up and spoke with the rep…explain my reason for calling and he said he would look at the application for reconsideration. In reviewing my CR he stated “you have plenty of credit, why do you need this card”. In short…I just said I don’t need the card, because I travel a lot, it would be nice to enjoy some of the benefits. So after 30 minutes of Q&A….he came back and said I was APPROVED for SL of $10,000!!

Gardening since 8/13/19
Over $500K in credit
TU:751 EQ:762 EX:773
Message 1 of 37
36 REPLIES 36
Valued Contributor

Re: Finally...Chase Sapphire Reserve

Congrats on the successful recon!

Message 2 of 37
Frequent Contributor

Re: Finally...Chase Sapphire Reserve

      A W E S O M E !!  Smiley Very Happy 

 

waytogo.jpg

 

Welcome to the Sapphire Reserve!

 

It's a great card.  Good job hanging in there to make it happen! 

 

Like you said, Chase can be difficult at times but overall I think

it offers some great cards and service. 




Total Length of Credit = 31 years; AoOA (Currently open accounts) = 26+ years; AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
*Hover cursor over each card to see name, CL
Message 3 of 37
Community Leader
Super Contributor

Re: Finally...Chase Sapphire Reserve

Lol, Gotta love the high horse Chase lives onSmiley Wink Congrats and great replySmiley Happy
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 4 of 37
Contributor

Re: Finally...Chase Sapphire Reserve

Congrats on the approval, dasingleton! Chase Bank has always been a bank that didn't make much sense to me with their approval criteria. I applied last year for an entry level card and they declined me for a $700 collection account for an apartment complex 5 years prior. Glad to see it worked in your favor!
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (07/29/2019): EXP: 675; TU: 691; EQ: 687

Target Red - $800
Discover It Cash Back - $1000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $1000
Message 5 of 37
Valued Contributor

Re: Finally...Chase Sapphire Reserve

Congrats & Welcome to the Chase familySmiley Happy

Message 6 of 37
Valued Contributor

Re: Finally...Chase Sapphire Reserve

What are the specific reasons for the denial yesterday?  It can't be for a late mortgage payment in 2010 since that should no longer appear on your credit report.  So that leaves the nebulous "credit card." Was it a charge off?  Was it a Chase card?

Given what appears to be your solid credit profile, I'm curious why you were only approved for the bare minimum credit limit on a card that is hard to grow.





Message 7 of 37
Frequent Contributor

Re: Finally...Chase Sapphire Reserve

Congrats on the approval! The CSR is a great card for travel benefits and my primary spend driver. Many enjoyable trips in the future...with the CSR, UR ready (sorry...needed to pun there)!

Bourbon and bow ties.

Current Cards:



INQ (EX): 6 (9/17, 11/17, 11/17, 7/18, 5/19, 8/19)
Accounts: 5 accounts in last 24 (will be 3/24 at 11/19)

Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (currently 721 EXP; 706 TU)
Message 8 of 37
Valued Contributor

Re: Finally...Chase Sapphire Reserve


@Hasselfree wrote:

Congrats on the successful recon!


Thanks Hasselfree

Gardening since 8/13/19
Over $500K in credit
TU:751 EQ:762 EX:773
Message 9 of 37
Valued Contributor

Re: Finally...Chase Sapphire Reserve


@Aim_High wrote:

      A W E S O M E !!  Smiley Very Happy 

 

waytogo.jpg

 

Welcome to the Sapphire Reserve!

 

It's a great card.  Good job hanging in there to make it happen! 

 

Like you said, Chase can be difficult at times but overall I think

it offers some great cards and service. 


Thanks Aim_High.  Yes, definitely glad I didn't give up.

Gardening since 8/13/19
Over $500K in credit
TU:751 EQ:762 EX:773
Message 10 of 37
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