Re: Odds of approval on CSR

Anonymous · ‎08-25-2016

Hey guys and gals,

I'm interested in getting my first big travel card and the CSR looks like it would fit the bill. I am currently 4/24. EQ-645 TU-657 EX-748. Income isn't quite as high as a few folks on here but I am getting ready to do a bunch of traveling in about 2 months and would really like to start using a more travel friendly card. What do you think my chances are?

Thanks!

-Sin

Edit: Was approved online 10k SL! So excited

redpat · ‎08-25-2016

I suggest going to a branch if you are near one and see if you are pre-qualified.

I think that gives you the best odds, other wise it's a crap shoot.

Also they would need to pull your EX your other scores seem too low.

Personal Cards: Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BBP

Anonymous · ‎08-25-2016

Sadly there aren't any branches where I am D: Although part of my trip starts in NYC maybe I can get a longer layover and go to a branch there :X

icloud2525 · ‎08-25-2016

They pulled EX for me, so your score looks good there if they go that route with you. If they pull your EQ or TU, sorry to say I doubt those scores will hold up. Does you income justify a minimum 10k CL? Do you have other high limit cards?

Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton Surpass $13,500, Amex Hilton $16,200, Discover it $16,000, Citi TYP $18,900, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $14,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000,-- EQ FICO 768, EX FICO 777, TU FICO 781

Anonymous · ‎08-25-2016

Income is about 40k a year D: I have 2 cards with 10k limits.

kdm31091 · ‎08-25-2016

40k may be borderline to get the 10k limit, but not sure the lowest someone's been approved with income wise. It's not completely impossible but may work against you.

Unfortunately I think the bigger issue here is score. Your scores are not high enough, IMO, to be approved for a premium card like Reserve. How old is your Freedom? Stranger things have happened but I would bet that Chase is probably not going to extend another card with the scores being where they are right now.

Anonymous · ‎08-25-2016

Yea thats what I figured...oh well guess its time to sit in the garden lol. Thanks for the info guys.

Anonymous · ‎08-25-2016

@kdm31091 wrote:
40k may be borderline to get the 10k limit, but not sure the lowest someone's been approved with income wise. It's not completely impossible but may work against you.

Unfortunately I think the bigger issue here is score. Your scores are not high enough, IMO, to be approved for a premium card like Reserve. How old is your Freedom? Stranger things have happened but I would bet that Chase is probably not going to extend another card with the scores being where they are right now.

On another thread related to this card, a college student was approved with $30K (note had a track record and other Chase cards).

mjb59463 · ‎08-25-2016

My income is 56k, I got approved for an 11k limit. Scores are spread from 680-710.

If they pull your Eq, no chance IMO
TU, possible, but unlikely
EX, you're golden.

Scores: 790 TU (Barclay), 780 EX (Fico8), 790 EQ

Chase Freedom Unlimited (6k), CSP (20k), Amex Delta Platinum (13.5k), Amex Marriott Bonvoy (16k), Barclay Apple (12.5k), USBank Flexperks Travel Rewards (12k), Wells Fargo Visa Signature (10k), Citi Double Cash (8k), Amex Gold, Amex Platinum, Amex BBP (15k) Marriott Bonvoy Boundless (15k)

Anonymous · ‎08-25-2016

Well, after a bit of liquid courage I decided to give it a shot anyways....Instant approval of 10k!!!! SOO EXCITED. Will be booking my flights as soon as I get that card Still can't believe it! Should I ask for them to expedite the card???

-Sin

Odds of approval on CSR (Edit: Approved Data inside)

Odds of approval on CSR (Edit: Approved Data inside)