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Chase sapphire preferred/reserve

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Chase sapphire preferred/reserve

Hello Guys,
I am new to this forum. I have 8 accounts.
I am actually 7/24 now. But by Oct 17th It will reduce to 3/24. When should I apply for the sapphire which has the 5/24 rule.
Also, Should I go for the reserve or sapphire? I have a long asian trip coming in  december.(flights+hotels)
Not sure if this posts shows my credit score.
Ex-760/TU-779/Eq-740
Oldest card-4years
AAoA-1.8 years
Thanks for your suggestions.

Message 1 of 13
12 REPLIES 12
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Moderator

Re: Chase sapphire preferred/reserve


@ilovecreditcards wrote:

Hello Guys,
I am new to this forum. I have 8 accounts.
I am actually 7/24 now. But by Oct 17th It will reduce to 3/24. When should I apply for the sapphire which has the 5/24 rule.
Also, Should I go for the reserve or sapphire? I have a long asian trip coming in  december.(flights+hotels)
Not sure if this posts shows my credit score.
Ex-760/TU-779/Eq-740
Oldest card-4years
AAoA-1.8 years
Thanks for your suggestions.


If you want to be safe, apply in November, though there are data points indicating it's safe to apply once HPs age to two years (after October 18th). 

 

You can compare benefits of CSP and CSR side by side and see which one is better fit for you. To me, CSR is by far superior. 

Message 2 of 13
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Valued Contributor

Re: Chase sapphire preferred/reserve

What are the CL on your existing card? CSR will requires a CL of 10k+, and I am not sure Chase wants to be your first 10k+ lender.

 

You can also always take a look at wells fargo propel, its a poorman's CSR.

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PⵢA: Stay 6ft (2m) away from others, wash your hand 10x a day, don't touch your face.
Message 3 of 13
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Re: Chase sapphire preferred/reserve

Yeah, I was planning to apply on Dec 1st week just to be sure.
I was even eyeing for the Amex platinum. I already have the Gold right now. Is it wise to upgrade to Platinum or just a new account? Also, CSR vs Platinum? Who has the better airline points transfer partners?

Sorry for so many questions.  Just excited to get into the chase ecosystem.

Message 4 of 13
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Re: Chase sapphire preferred/reserve

Amex Blue cash-6k
BOA cash rewards-15k
Barclays apple-9k
Amex blue cash AU- 15k
Discover-6.3k
Capital one Venture-7k

Amex Gold- Not sure of the limit . But I was approved for 15k when lastly check
Best buy Citi- 6k
Uti-1%

Message 5 of 13
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Re: Chase sapphire preferred/reserve

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Message 6 of 13
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Re: Chase sapphire preferred/reserve

Thanks.
How we do set up the CSs and CCAs on the bottom? 

Message 7 of 13
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Re: Chase sapphire preferred/reserve


@ilovecreditcards wrote:

Thanks.
How we do set up the CSs and CCAs on the bottom? 


It's too early, your rank (that title by your user name) has to go up a little before you can do it. 

Just continue participating in forums and rank will change 

When  that time comes, go here 

https://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/m...

https://ficoforums.myfico.com/t5/SmorgasBoard/Badges-for-Your-Signature/m-p/5257198

Message 8 of 13
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Valued Contributor

Re: Chase sapphire preferred/reserve

don't upgrade, if you want platinum, apply anew, and try card match tool and see if you can get 100k MR SUB.

 

For plat vs CSR, there are endless debate here, you should simply search for "csr platinum".

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PⵢA: Stay 6ft (2m) away from others, wash your hand 10x a day, don't touch your face.
Message 9 of 13
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Message 10 of 13
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