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*UPDATE: Approved* - Chase Sapphire Reserve App!

New Member

*UPDATE: Approved* - Chase Sapphire Reserve App!

Applied Yesterday for CSR and called and they just verified couple of identity questions, then told me to check within a couple of days.

Also called robo lady and getting the 30 day message!

Should I call the actual person today to get update? Any next steps?

INFO BELOW: 
11.7k in credit limit from google synchrony & care credit. 
Experian (time of app): 743 
TU: 736
EQ: 740  
AAoA: 2years 1 month - including Student loans

Age of credit: 10 months.
Paid off a student loan and utilization is at 3%
0 derogatory and 100% payment history
Income: $65k (will increase this march by about 12%), little/no expenses (no car, or mortgage, or wife/kids) 
[EDIT]: Age: will be 23 next month
Really 1 hard inquiry on cap one of May 2017. 

Message 1 of 19
18 REPLIES
Community Leader
Senior Contributor

Re: Chase Sapphire Reserve Application!

What are the individual limits on your cards? 

Message 2 of 19
New Member

Re: Chase Sapphire Reserve Application!

$342 used out of $4,000 on google
$0 used (paid balances off already) out of $7,200 Care credit.

So from 1st post, the edit is total credit limit is at $11.2k

Message 3 of 19
Community Leader
Super Contributor

Re: Chase Sapphire Reserve Application!

Based on what you shared above, it appears that you currently do not have any major bank cards V/MC/D/AX, in your profile, correct?

If not, it's definitely going to pose a bit of a challenge for getting CSR to go through since the minimum SL is $10K. Although anything is always possible, I'd be very curious to see how this pans out given your DPs.
Message 4 of 19
New Member

Re: Chase Sapphire Reserve Application!

Yeah that's correct. Also, never been an authorized user on major credit cards.

This was definitely a reach, since I travel for my job, was reaching to get approved.

Will keep this post updated.

Message 5 of 19
Community Leader
Senior Contributor

Re: Chase Sapphire Reserve Application!


@datalytics wrote:

$342 used out of $4,000 on google
$0 used (paid balances off already) out of $7,200 Care credit.

So from 1st post, the edit is total credit limit is at $11.2k


CSR has a minimum credit line of 10k, so it's a reasonable question to ask about individual CL. 

 

I hope you get an approval but with both of your cards being considered "store" cards, it's really hard to tell. 

 

Do not call them again, you already talked to a person. An actual person will only be able to recite back same thing that robolady tells you. 

 

Message 6 of 19
Frequent Contributor

Re: Chase Sapphire Reserve Application!

Your CS numbers are certainly where they need to be, the rest of your file is a little thinner than some I have seen.
Saying that I've also seen some thicker files with lower CS numbers get approved.
It's going to depend on if the UW's think you are a solid for the 10k SL
Anything is possible these days, so I wish you nothing but good luck.


Message 7 of 19
Established Contributor

Re: Chase Sapphire Reserve Application!

 

A Chase robolady 30 day message means that they haven't yet processed the application.  At this stage there is nothing to be gained in speaking with a CSR. 

 

Your next step is to keep calling the robolady daily to check if status has changed to 14 days, approval, or 7-10 days.  If the status changes to 7-10 days, and only if there is a status change to 7-10 days, you then want to talk to a CSR as they either need verification or you need to recon.  A 14 day message means the application has been processed but the decision has not yet been finalized, so like a 30 day message there is no value in speaking with a CSR.

 

(12/2018)
FICO 8 (EX) 803 (TU) 816 (EQ) 791
FICO 9 (EX) 829 (TU) 834 (EQ) 830

$700K+ club
Message 8 of 19
Established Contributor

Re: Chase Sapphire Reserve Application!

Definitely intrigued by this. OP has a relatively thin file but good scores. I wonder...
Message 9 of 19
Regular Contributor

Re: Chase Sapphire Reserve Application!

Really tough call.

I would have suggested applying for CSP to maximize approval chances, then a year later upgrade to CSR if credit line allows.

Message 10 of 19