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Input with Chances with Chase Sapphire Reserve ?

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Established Member

Input with Chances with Chase Sapphire Reserve ?

Im looking hard at the Chase Sapphire Reserve for sometime time now .Im just worried about a denial. I had a 10 year old unpaid charge off for 3500 with the providian Wamu merger. . Chase ended up buying that account in 2008 . It’s off my reports. I currently have a mortgage with chase ,

Let me know what you guys think ... Thanks in advance

Fico 8’s 815-820 across the board
190k income
Have 2 cards each with 30k In credit lines
4 cards with over 10k each
Aver age of credit is 9 years
Oldest is 21 years
Utilz is 7%
No degrogs on report
2 inquires in last 24 months
Last card issued was 2017
Message 1 of 15
14 REPLIES 14
Moderator

Re: Input with Chances with Chase Sapphire Reserve ?

Since Chase tends to have a very long memory, which includes predecessor banks, the only way to know for sure is once you apply.

If declined due to a previous unsatisfactory relationship, you could try the reconsideration approach.
Message 2 of 15
Community Leader
Super Contributor

Re: Input with Chances with Chase Sapphire Reserve ?

If it weren't for the charge-off I would say you're a lock to get the card. I think you might have to be prepared to recon the app if you go ahead and apply for it. Worse case scenario you'll know for sure that CO is holding you back, you only wasted a HP or two, and can try again down the line.

Message 3 of 15
Established Member

Re: Input with Chances with Chase Sapphire Reserve ?

That’s always a option , just wondering if anyone has had any luck getting in with situation similar to mine .
Message 4 of 15
Community Leader
Super Contributor

Re: Input with Chances with Chase Sapphire Reserve ?


@Kw76 wrote:
That’s always a option , just wondering if anyone has had any luck getting in with situation similar to mine .

As @FinStar said some have an easier time than others in getting back in with Chase. Only by applying will you know.

Message 5 of 15
Regular Contributor

Re: Input with Chances with Chase Sapphire Reserve ?

Your current profile would make it easy for a CSR. The CO is the only thing. But they found it in their cold hearts to give you a mortgage regardless.

Do you have a current card with Chase? I think your credit profile is well enough to take an HP and shrug it off in a couple months. If for some reason they reject you, there is slew of other premium cards who would love to have you.
Message 6 of 15
Community Leader
Mega Contributor

Re: Input with Chances with Chase Sapphire Reserve ?

@Kw76  Have you tried prequal by any chance?  Is there a branch near you? You could go in and see if you have any in branch preapprovals. 

 

EX 759 EQ 774 TU 753


Message 7 of 15
Established Member

Re: Input with Chances with Chase Sapphire Reserve ?

Nothing on prequal, I even thought about opening up a banking relationship with them.
Message 8 of 15
Valued Contributor

Re: Input with Chances with Chase Sapphire Reserve ?


@Kw76 wrote:
Nothing on prequal, I even thought about opening up a banking relationship with them.

you have a mortgage, you dont need anything else.  app away, the worst is a hp but if it fails but I think you stand a great chance.  I would recon something like this all day long

Message 9 of 15
Frequent Contributor

Re: Input with Chances with Chase Sapphire Reserve ?

To be safe why not go for an in branch preapproval? Or check “my offers” on your chase checking account if you have one.
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637
June: EQ8: 637 TU8: 645 EX8: 642
September 19’: EQ8: 620 TU8: 645 EX8: 640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 4MONTHS AAOA: 2YR 4MONTHS
Inquiries in 12 months: EQ: 3 TU: 1 EX: 1
New Accounts in the last 9 months: 0
CLOSED: Self Lender 12Month CD: June 20th 19’

Short Term Goal: Auto Lease 2020 Jeep MOAB
Chase 6/24 In-Branch Pre-approvals for all chase credit products - Goal Achieved but not taking the bait.. YET!
Message 10 of 15
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