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DansDeals Forum => Credit Cards => Topic started by: tjak on July 25, 2016, 11:15:38 PM

Title: Chase Sapphire Reserve
Post by: tjak on July 25, 2016, 11:15:38 PM
Click Here (http://o1.qnsr.com/cgi/r?;n=203;c=1649873;s=7273;x=7936;f=201801021148170;u=j;z=TIMESTAMP;src=640117;) to get more details on this card and compare to other cards!

Reports of a new Chase credit card coming out at the end of August. It's supposed to be a high end card to compete with the Amex Plat.

https://m.reddit.com/r/churning/comments/4umbtx/sapphire_elite_is_coming_august_21st/
http://www.doctorofcredit.com/chase-launch-new-premium-sapphire-reserve-card-coming-months/
Title: Re: Chase Sapphire elite.
Post by: SearchGuy on July 25, 2016, 11:21:17 PM
Ritz Carlton in a UR version?
Title: Re: Chase Sapphire elite.
Post by: dpk4588 on July 25, 2016, 11:30:11 PM
Its gonna need a lot more than 3x on airfare and a $300-$400 AF to complete with the Plat. That doesn't even compete with the PRG because of the high AF.
Title: Re: Chase Sapphire elite.
Post by: Aerial Dag on July 25, 2016, 11:37:31 PM
Its gonna need a lot more than 3x on airfare and a $300-$400 AF to complete with the Plat. That doesn't even compete with the PRG because of the high AF.

It says 3x on travel not just airfare. But this isn't their first rodeo. I like to hope they've thought long and hard about what other benefits are required to compete at that level. I for one welcome a high end UR card.
Title: Re: Chase Sapphire elite.
Post by: chevron on July 25, 2016, 11:43:01 PM
oh snap 100k ur sign up... a curse on 5/24
Title: Re: Chase Sapphire elite.
Post by: dpk4588 on July 25, 2016, 11:43:39 PM
It says 3x on travel not just airfare. But this isn't their first rodeo. I like to hope they've thought long and hard about what other benefits are required to compete at that level. I for one welcome a high end UR card.
The extra point on travel (I believe they had an extra point on airfare at one point when booking through the UR mall on the SP) is nice but it doesn't seem to justify a huge AF, but now that DoC updated his post with more information from a source he calls reliable, its seeming more like a legitimate high end card. Although all the details are still pretty sketchy.

I personally love UR and I'd love a 100k signup on a UR card, but sadly it will be a while before I can get past the 5/24 rule so sadly this news isn't really too special to me.
Title: Re: Chase Sapphire elite.
Post by: Denverite on July 26, 2016, 12:43:47 AM
Think they'll have an option for a business card for this?  I love the Ink but spend a lot for business on airfare and other travel expenses and need a better card for those expenses.  Wonder what lounge partnership it will have to compete with Amex and Citi cards.
Title: Re: Chase Sapphire elite.
Post by: rochk123 on July 26, 2016, 05:33:24 AM
Will you be able to upgrade from Chase Sapphire Preferred?
Title: Re: Chase Sapphire elite.
Post by: Super Speed on July 26, 2016, 08:32:03 AM
Will you be able to upgrade from Chase Sapphire Preferred?
I would imagine so.
Title: Re: Chase Sapphire elite.
Post by: Super Speed on July 26, 2016, 08:32:57 AM
Think they'll have an option for a business card for this?  I love the Ink but spend a lot for business on airfare and other travel expenses and need a better card for those expenses.  Wonder what lounge partnership it will have to compete with Amex and Citi cards.
If it'll be part of the sapphire family, I doubt it. The truth is Chase needs a few more Business credit cards.
Title: Re: Chase Sapphire elite.
Post by: David Smith on July 26, 2016, 08:34:14 AM
If it'll be part of the sapphire family, I doubt it. The truth is Chase needs a few more Business credit cards.
The Freedom/Sapphire line is reasonably aligned with the Ink line.
Title: Re: Chase Sapphire elite.
Post by: Denverite on July 26, 2016, 10:36:18 AM
The Freedom/Sapphire line is reasonably aligned with the Ink line.

Yeah but if you have a lot of true business expenses the Ink falls short although thanks to DDF I'm now buying SW GCs at Staples and getting 5ppd at least for those flight expenses!
Title: Re: Chase Sapphire elite.
Post by: chevron on July 26, 2016, 12:36:57 PM
its filling the role of the prestige... a month ago a user commented that prestige ousts amex plat.. and look where that got us..
Title: Re: Chase Sapphire elite.
Post by: Super Speed on July 26, 2016, 03:18:49 PM
Will it have Purchase Protection?
Title: Re: Chase Sapphire elite.
Post by: Iz on July 28, 2016, 09:34:02 AM
http://www.doctorofcredit.com/new-chase-sapphire-reserveelite-card-will-visa-infinite/
Title: Re: Chase Sapphire elite.
Post by: Aerial Dag on July 28, 2016, 11:29:28 AM
http://www.doctorofcredit.com/new-chase-sapphire-reserveelite-card-will-visa-infinite/

Weird. I thought Visa Infinite was mostly a Canadian product.
Title: Re: Chase Sapphire elite.
Post by: doctorofcredit on July 28, 2016, 07:48:44 PM
Weird. I thought Visa Infinite was mostly a Canadian product.

City National Bank has a product in the U.S., also available in other countries. Not sure why it's not used more often here.
Title: Re: Chase Sapphire elite.
Post by: Aerial Dag on July 28, 2016, 08:04:12 PM
City National Bank has a product in the U.S., also available in other countries. Not sure why it's not used more often here.

Yeah though CNB was just bought by a Canadian bank.
Just an odd choice considering USA isn't even an available country on the Visa Infinite website (http://www.visa.com/infinite/). I always thought Signature was our version of Infinite.
Title: Re: Chase Sapphire elite.
Post by: tjak on July 29, 2016, 01:51:43 PM
http://www.doctorofcredit.com/rumored-information-chase-sapphire-reserve/
Title: Re: Chase Sapphire elite.
Post by: 3yummyboys on July 29, 2016, 02:47:21 PM
http://www.doctorofcredit.com/rumored-information-chase-sapphire-reserve/

Other than the signup bonus, this isn't something all that different from other products. Like DoC, I'm hoping they add something unique to make it more marketable
Title: Re: Chase Sapphire elite.
Post by: noturbizniss on August 07, 2016, 12:02:01 AM
can a mod change the title to Chase Sapphire Reserve (as per screenshots from DOC http://www.doctorofcredit.com/heres-chase-telling-bankers-upcoming-sapphire-reserve-card/)
Title: Re: Chase Sapphire elite.
Post by: LoLo on August 07, 2016, 12:16:32 AM
Quote
The biggest news here is that the $300 airline credit will be automatically applied to your account, as per the screenshots above. This makes it far more valuable than the Ritz-Carlton $300 airline credit which requires calling in to get the credit.

Title: Re: Chase Sapphire elite.
Post by: Freddie on August 07, 2016, 12:20:09 AM
Lounge access is priority pass. Not so useful in my experience.
Title: Re: Chase Sapphire elite.
Post by: SearchGuy on August 07, 2016, 12:27:06 AM
Lounge access is priority pass. Not so useful in my experience.
I love it with Citi that it lets me take in the whole family free
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 07, 2016, 12:33:02 AM
Lounge access is priority pass. Not so useful in my experience.
New Ritz card also switched to PP.
Title: Re: Chase Sapphire Reserve
Post by: Emkay on August 07, 2016, 01:36:56 AM
Lounge access is priority pass. Not so useful in my experience.
You like LC better?
For what reason. PP has double the locations.
Title: Re: Chase Sapphire Reserve
Post by: sammy n on August 07, 2016, 08:02:01 AM
You like LC better?
For what reason. PP has double the locations.
But LC you bring in a guest with you.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 08:12:45 AM
None of these memberships are terribly useful domestically.

And I'd imagine most DDFers fly J/F internationally and don't need lounge access for those trips.
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 07, 2016, 08:35:25 AM
None of these memberships are terribly useful domestically.

And I'd imagine most DDFers fly J/F internationally and don't need lounge access for those trips.

Dan how come no post regarding this CC ??
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 07, 2016, 08:48:47 AM
But LC you bring in a guest with you.
Depends by lounge per reports, some people had their card charged for guest.
Title: Re: Chase Sapphire Reserve
Post by: sammy n on August 07, 2016, 09:09:58 AM
Depends by lounge per reports, some people had their card charged for guest.
Link?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 07, 2016, 09:13:09 AM
Link?


I have found that the policy changes by lounge.

Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 09:14:09 AM
Dan how come no post regarding this CC ??
What's the point of posting before it's released and/or the full details are known?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 07, 2016, 09:15:30 AM
Wonder if a CSP would be product changeable to it.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 09:18:10 AM
Don't see why not, but is it that exciting besides for the signup bonus?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 07, 2016, 09:20:24 AM
Don't see why not, but is it that exciting besides for the signup bonus?

Well if my household really won't be able to get it for another 24 months $300 annual airline credit + 3x food might be worth it for at least one of us to switch over.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 09:21:42 AM
What do you spend on the 3x category annually?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 07, 2016, 09:24:38 AM
What do you spend on the 3x category annually?

Not $15k worth to not wait it out I guess and stick with 2x in the mean time.
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 07, 2016, 10:20:36 AM
None of these memberships are terribly useful domestically.

And I'd imagine most DDFers fly J/F internationally and don't need lounge access for those trips.

That.
Anyway, they could have partnered with UA.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 10:25:45 AM
That.
Anyway, they could have partnered with UA.
Yup, surprising they couldn't work something out.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 07, 2016, 10:28:20 AM
What's the point of posting before it's released and/or the full details are known?
Clicks.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 07, 2016, 10:52:20 AM
Yup, surprising they couldn't work something out.
Even assuming they could work something out, that would negate anyone bothering to get the United Club card. It's similar to Citi ditching Admiral access for the Prestige.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 10:56:04 AM
Even assuming they could work something out, that would negate anyone bothering to get the United Club card. It's similar to Citi ditching Admiral access for the Prestige.
Perhaps, but Club card offers different bennies. 1.5x, close-in fee waiver, 2 checked bags, elite upgrades, etc.
Could also limit Sapphire access to when flying UA only, etc.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 07, 2016, 11:05:11 AM


Perhaps, but Club card offers different bennies. 1.5x, close-in fee waiver, 2 checked bags, elite upgrades, etc.
Could also limit Sapphire access to when flying UA only, etc.

Of course (just like the executive) but unless you're a frequent flyer but are somehow still unable to attain *G, it's hard to justify $450 a year for that.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 07, 2016, 11:34:23 AM
Meh.
Even just guests vs no guests could be enough of a diffentiator.
Title: Re: Chase Sapphire Reserve
Post by: 3yummyboys on August 07, 2016, 11:38:13 AM
Meh.
Even just guests vs no guests could be enough of a diffentiator.


+1

Unless you usually travel solo, it makes a huge difference
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 07, 2016, 12:44:28 PM
Perhaps, but Club card offers different bennies. 1.5x, close-in fee waiver, 2 checked bags, elite upgrades, etc.
Could also limit Sapphire access to when flying UA only, etc.

Will they club card still offer close-in waived fees after new united policy change ?
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 07, 2016, 08:08:07 PM
Clicks.

Some people are currently under 5/24 and are holding off applying for other cards because of this new card. I respect Dan's decision not to post, but saying that we're posting purely for clicks isn't accurate either.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 07, 2016, 08:13:25 PM
Some people are currently under 5/24 and are holding off applying for other cards because of this new card. I respect Dan's decision not to post, but saying that we're posting purely for clicks isn't accurate either.
Im with you. I'm saying at least that.
Dan has said before he posts about what he cares about (see sports posts). I would think a post about this, even specutalive would of interest to him and his readers
Title: Re: Chase Sapphire Reserve
Post by: chevron on August 07, 2016, 09:51:54 PM
As a non churner, its really unfair, I could not get united 70k, freedom unlimited and now this.

Chase is bundle hurting every one...
Title: Re: Chase Sapphire Reserve
Post by: daybyday on August 07, 2016, 10:22:57 PM
Lately when i see the name chase i just skip over. I'm so over 5/24 whats the point in teasing.  :o
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 07, 2016, 10:25:34 PM
Lately when i see the name chase i just skip over. I'm so over 5/24 whats the point in teasing.  :o

Find someone with CPC and open a savings account with them.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 07, 2016, 10:29:32 PM
Find someone with CPC and open a savings account with them.

CPC isn't a get out of jail free card...
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 07, 2016, 10:32:42 PM
CPC isn't a get out of jail free card...

You know of people being denied that weren't abusing the privilege?
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 07, 2016, 10:39:53 PM
CPC isn't a get out of jail free card...
+1
It helps for credit issues, not for 5/24.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 07, 2016, 10:43:57 PM
+1
It helps for credit issues , not for 5/24.

Not true. Ive used it to get passed 5/24 as have others.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 07, 2016, 11:07:53 PM
Not true. Ive used it to get passed 5/24 as have others.
I've also gotten approved for cards that are subject to 5/24, but it's not 100%.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 07, 2016, 11:19:47 PM
Ok, let me clarify. It didn't help me, and my heimishe Chase banker told me that it never helps for 5/24. IDK if he's right, but that has been his experience. I'll give it another shot, and hopefully I'm wrong...
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 07, 2016, 11:45:58 PM
There are no clear conclusions, just various data points, about what enables some people to squeeze by 5/24 once in a while. It seems to be (just based on my experience and talking to others) like a 1/100 shot. Totally anecdotal. Take it for what it's worth.
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 07, 2016, 11:59:54 PM
Dan, didn't you post the Freedom Unlimited before it was released?
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 08, 2016, 12:00:31 AM
Dan, didn't you post the Freedom Unlimited before it was released?

Yeah, like a month before. B'rov hispaalus!
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 08, 2016, 12:02:51 AM
What's the point of posting before it's released and/or the full details are known?

Dan, didn't you post the Freedom Unlimited before it was released?

Yeah, like a month before. B'rov hispaalus!
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 08, 2016, 08:43:26 AM
http://www.doctorofcredit.com/heres-chase-telling-bankers-upcoming-sapphire-reserve-card/
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 08, 2016, 10:26:26 AM
Ok, let me clarify. It didn't help me, and my heimishe Chase banker told me that it never helps for 5/24. IDK if he's right, but that has been his experience. I'll give it another shot, and hopefully I'm wrong...

hmm yeah well considering I was way above 5/24 and approved for Sapphire I assumed it was due to CPC. But it's possible that CPC generated a Saph pre-approved offer which allowed me to bypass the 5/24. Maybe it indirectly helps. As Freddie says, it's all anecdotal anyway since 5/24 doesn't officially exist.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 08, 2016, 08:41:06 PM
since 5/24 doesn't officially exist.
It does.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 09, 2016, 09:22:50 AM
It does.

Really? I could have sworn I remember reading an article where Chase corporate wouldn't officially confirm that the rule existed.

edit: Here it is. From April though.

Quote
Chase spokesperson Ashley Dodd told Yahoo Finance said she could not confirm that the 5/24 rule exists but did say having too many new credit accounts doesn't look great. “To continue providing valuable offers that attract those types of customers, we have restrictions related to the number of new cards customers can receive in a period of time,” she said.
source (http://finance.yahoo.com/news/chase-5-24-rule-mile-churners-211932315.html)
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 09, 2016, 09:36:19 AM
Dan, didn't you post the Freedom Unlimited before it was released?
That was a game-changer IMHO. 1.5x miles for no annual fee.
Is this a game-changer? If yes, how so?
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 09, 2016, 11:45:27 AM
That was a game-changer IMHO. 1.5x miles for no annual fee.
Is this a game-changer? If yes, how so?
3x UR for travel........
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 09, 2016, 11:50:57 AM
3x UR for travel........
For a $450 AF.
Title: Chase Sapphire Reserve
Post by: SearchGuy on August 09, 2016, 11:52:08 AM
IMHO if you don't write about Citi Prestige there is really no point in writing about this card...
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 09, 2016, 12:10:16 PM
That was a game-changer IMHO. 1.5x miles for no annual fee.
Is this a game-changer? If yes, how so?
100k UR, decent bonus categories, and no AF the first year (which doesn't need blogging about). Nothing too exciting otherwise.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 09, 2016, 12:15:06 PM
It's a great signup bonus, but it's not a game changer.
/.02
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 09, 2016, 12:17:12 PM
It's a great signup bonus, but it's not a game changer.
/.02
Isn't it a game changer in the amount of points being offered? Don't u think that there will start being better offers for some of the lower cards? (Even if they're targeted)
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 09, 2016, 12:20:32 PM
and no AF the first year.
Source?
Title: Re: Chase Sapphire Reserve
Post by: maxie m on August 09, 2016, 02:12:51 PM
Cmiiw , isn't the fact that travel redemption is set to 1.5, a positive factor  to get excited about?
Title: Chase Sapphire Reserve
Post by: tjak on August 15, 2016, 01:35:09 PM
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=61GN&SPID=FL3P&PROMO=DF01
Don't see a mention of a sign up bonus
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 15, 2016, 02:12:17 PM
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=61GN&SPID=FL3P&PROMO=DF01
Don't see a mention of a sign up bonus

Possible that the signup bonus will have a different landing page. I wonder if applying via this link would actually get you the card or not.

Also I'm surprised they don't define what the $300 travel credit is applied to.

EDIT: Seems like people have reported being approved for the card despite being way over 5/24. I guess it is live but with no signup bonus atm
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 15, 2016, 02:33:28 PM
Possible that the signup bonus will have a different landing page. I wonder if applying via this link would actually get you the card or not.

Also I'm surprised they don't define what the $300 travel credit is applied to.

EDIT: Seems like people have reported being approved for the card despite being way over 5/24. I guess it is live but with no signup bonus atm
Seems like people calling are being told no bonus.


Here's (https://creditcardsccwip.f9dev.com/credit-cards/chase-sapphire-reserve1?IS2F=Y71UH0&iCELL=61GV) a landing page with 100k language, though.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 15, 2016, 02:40:19 PM
Looks like the travel credit applies to ticket cost as well.

Quote
A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually ("annually" means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date). Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs. Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Qualifying purchases made by authorized users on your account will be included in the $300 Annual Travel Credit. Maximum statement credit accumulation for the Annual Travel Credit is $300 annually. The Annual Travel Credit will be issued for the year in which the transaction posts to your account, through your December statement date. For example, if you pay for baggage fees, but the airline does not post the transaction until after your December statement date, the cost of the baggage fees will be allocated towards the following year's Annual Travel Credit maximum of $300.


Here's (https://creditcardsccwip.f9dev.com/credit-cards/chase-sapphire-reserve1?IS2F=Y71UH0&iCELL=61GV) a landing page with 100k language, though.

4k spend in this link, not like the reported 5k.
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 15, 2016, 02:42:38 PM
No AF the first year
-1
Pricing & Terms (https://applynow.chase.com/FlexAppWeb/pricing.do?card=FL3P)

Quote
Annual Membership Fee $450; each additional card: $75 per year.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 15, 2016, 02:44:25 PM
-1
Pricing & Terms (https://applynow.chase.com/FlexAppWeb/pricing.do?card=FL3P)
I'm aware.

Instant approved over 5/24, BTW. CPC, if that makes any difference.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 15, 2016, 02:47:06 PM
I'm aware.

Instant approved over 5/24, BTW. CPC, if that makes any difference.

You applied even though application page doesn't mention bonus? Hope you took some good screenshots
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 15, 2016, 02:52:16 PM
You applied even though application page doesn't mention bonus? Hope you took some good screenshots
I applied through link I posted. I'm not worried.
Title: Re: Chase Sapphire Reserve
Post by: DealChaser on August 15, 2016, 02:56:29 PM
Offer unavailable. The app is down now.
Title: Re: Chase Sapphire Reserve
Post by: myb821 on August 15, 2016, 03:03:24 PM
darn went down before i could apply.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 15, 2016, 03:14:46 PM
DS's is still working.
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 15, 2016, 03:15:41 PM
what other chase cards do you all recommend applying for if we are already doing a credit pull? I already have the CSP, freedom, and united.
Title: Re: Chase Sapphire Reserve
Post by: yuguy on August 15, 2016, 03:16:07 PM
DS's is still working.

LOL - The page refreshed and asked for credentials to log on. What a Citi move, Chase!
Title: Re: Chase Sapphire Reserve
Post by: myb821 on August 15, 2016, 03:16:20 PM
DS's is still working.
DS?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 15, 2016, 03:16:55 PM
LOL - The page refreshed and asked for credentials to log on. What a Citi move, Chase!
Oh wow, happened this minute.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 15, 2016, 03:17:34 PM
DS?
David Smith.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 15, 2016, 03:18:08 PM
LOL - The page refreshed and asked for credentials to log on. What a Citi move, Chase!
+1

ROFL

Title: Re: Chase Sapphire Reserve
Post by: yuguy on August 15, 2016, 03:18:59 PM
Oh wow, happened this minute.

The web page developer had one job - don't hit publish before it's ready! ;D ;D ;D
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 15, 2016, 04:44:19 PM
...
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 15, 2016, 04:46:45 PM
...
Apply doesn't work
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 15, 2016, 04:52:36 PM
Apply doesn't work
Correct it was pulled.
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 15, 2016, 09:03:19 PM
Full fine print:

Quote
Chase Sapphire ReserveSM
Offer Details
100,000 Bonus Points after you spend $4,000 on purchases in the first 3 months from account opening
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
 
Earning Points
How you can earn points: You'll earn points when you, or an authorized user, use a Chase Sapphire ReserveSM credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points: You'll earn 3 points for each $1 spent when your card is used for purchases in the travel category or the dining at restaurants category. You may see "3X" in marketing materials to refer to the 3 points you earn for each dollar you spend in these categories. 1 point: You'll earn 1 point for each $1 spent on all other purchases. You may see "1X" in marketing materials to refer to the 1 point you earn for each dollar spent on all other purchases. We may offer you ways to earn bonus points through the program. You'll find out more about the number of bonus points you can earn and any other terms at the time of the offer. How you can use your points: You can use your points to redeem for cash starting at 2,000 points through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States. Other redemption options include gift cards and travel. When you use points to redeem for cash and gift cards, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. When you use points to redeem for travel, each point is worth $.0150 (one and a half cents), which means that 100 points is worth $1.50 in redemption value. You may see "Points are worth 50% more" in marketing materials to refer to the redemption value for travel when you redeem through Chase Ultimate Rewards. Redemption values for other reward options may be worth more or less than that. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs. Rewards Program Agreement: We will mail you a Rewards Program Agreement containing additional rewards program terms once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will be available online as well.
 
50% More in Travel Redemption
When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Ultimate Rewards is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 100,000 points are worth $1,500 towards travel, or $1,000 when redeemed for cash. The cost of travel is based on the rates and fares available through the Ultimate Rewards website and travel center, and may not reflect all rates and fares that are available through other sales channels.
 
$300 Annual Travel Credit
A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually ("annually" means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date). Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs. Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Qualifying purchases made by authorized users on your account will be included in the $300 Annual Travel Credit. Maximum statement credit accumulation for the Annual Travel Credit is $300 annually. The Annual Travel Credit will be issued for the year in which the transaction posts to your account, through your December statement date. For example, if you pay for baggage fees, but the airline does not post the transaction until after your December statement date, the cost of the baggage fees will be allocated towards the following year's Annual Travel Credit maximum of $300.
 
Complimentary Priority Pass™ Select Membership
One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit www.prioritypass.com/select Opens Overlay .
 
Global Entry or TSA Pre ✓® Application Fee Statement Credit
To be eligible for this statement credit you must use your Chase Sapphire ReserveSM card to either complete the Global Entry application and pay the $100 application fee, or complete the TSA Pre ✓® application and pay the $85 application fee. A statement credit will be processed after the Global Entry program application fee OR TSA Pre ✓® application fee (whichever program is applied for first) is charged to your Chase Sapphire ReserveSM card. You are entitled to either: one (1) $100 statement credit per account, OR one (1) $85 statement credit per account, every 4 years in connection with the Global Entry or TSA Pre ✓® program application fee. The statement credit will be posted to your account within 24 hours of the Global Entry or TSA Pre ✓® program application fee being charged to your card. You are responsible for payment of all charges until the statement credit posts to the account. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA Pre ✓® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Chase has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA Pre ✓® programs. For complete details on the Global Entry program, including full terms and conditions, go to globalentry.gov. For complete details on the TSA Pre ✓® program, including full terms and conditions, go to tsa.gov. Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. To be eligible for this benefit, your account must be open and not in default at the time of statement credit fulfillment.
 
National Terms and Conditions
Discount applies to base rate only at participating locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional items such as Loss Damage Waiver (LDW) up to $30 per day are extra. In the U.S., check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply.
 
Visa Terms & Conditions
Offer subject to change, and is based on the individual merchant's terms and conditions. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser.
 
Avis Terms & Conditions
Discount applies to base rate only at participating locations. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional drive fee, one-way rental charge and optional terms such as Loss Damage Waiver (LDW) up to $30 per day are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply.
 
Visa Terms & Conditions
Offer subject to change, and is based on the individual merchant's terms and conditions. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser.
 
Silvercar Terms and Conditions
No blackout dates. Reservations must be 2 days or longer. Offer not valid with any other offer unless stated otherwise. Discount applies to base rental rate before surcharges and taxes.
 
Visa Terms & Conditions
Offer subject to change, and is based on the individual merchant's terms and conditions. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser.
 
Many of the stated benefits and services of this product are provided by third parties who are solely responsible for their provision or fulfillment.
 
The Luxury Hotel & Resort CollectionSM
The Luxury Hotel & Resort Collection program benefits and Guest Privileges are available exclusively on select Chase credit cards. To receive the Guest Privileges, reservations must be made through a Luxury Hotel & Resort Collection Travel Specialist or on the website, LHRCollection.com. All exclusive amenities and Guest Privileges are provided per room and are based on double occupancy. Some amenities may only apply to select rates, may be subject to availability at check-in, and are not redeemable for cash. Amenities may not be combined with other offers, including tour operator or wholesaler rates and packages. Program benefits, participating properties, and Guest Privileges are valid through the current calendar year, but may become unavailable due to circumstances outside of Chase's control. All efforts have been made to ensure the accuracy of the information contained. We reserve the right to correct any mistakes. Certain blackout dates and other restrictions may apply. This program is brought to you by Chase through an agreement with Signature Travel Network.
 
Travel & Purchase Coverage
These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.
 
Chase Sapphire is a registered mark of JPMorgan Chase & Co.
 
The TSA Pre ✓® trademark is used with the permission of the U.S. Department of Homeland Security.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 15, 2016, 09:25:58 PM
Full fine print:
Thanks doc
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 16, 2016, 01:04:09 AM
Can anyone confirm that with CPC you can get around the 5/24 rule?

Is it that the banker calls in for you or reconsiderationjust gives CPC an easier time?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 16, 2016, 01:26:40 AM
Can anyone confirm that with CPC you can get around the 5/24 rule?

Is it that the banker calls in for you or reconsiderationjust gives CPC an easier time?
YMMV as heck, but CPCs seem to be cited 5/24 less often than others.
Title: Re: Chase Sapphire Reserve
Post by: elit on August 16, 2016, 08:20:21 AM
Is there an active link for the 100k
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 16, 2016, 08:21:25 AM
Is there an active link for the 100k

No active link full stop.
Title: Re: Chase Sapphire Reserve
Post by: yelped on August 16, 2016, 12:00:22 PM
What's with the National, Silvercar and Avis car rentals in the T&C's? What discount do they have? Anything interesting?
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 16, 2016, 12:29:10 PM
What's with the National, Silvercar and Avis car rentals in the T&C's? What discount do they have? Anything interesting?


i posted less of Nationals T&C but as a human being i removed it its not Nittel Today
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 16, 2016, 12:31:08 PM

i posted less of Nationals T&C but as a human being i removed it its not Nittel Today
No one cares for the emerald club t&c. Thise t&c were taked directly from nationals site. Is it just that? It gives u free emerald club? Or does it give u a half decent status?

But thanx for removing that. It was annoying. Lol
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 16, 2016, 01:32:02 PM
No one cares for the emerald club t&c. Thise t&c were taked directly from nationals site. Is it just that? It gives u free emerald club? Or does it give u a half decent status?

But thanx for removing that. It was annoying. Lol


i will get Trump to tweet that the media is to serious when he is only sarcastic....
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 16, 2016, 05:18:34 PM
Chase Sapphire Reserve Will NOT Have the Infinite $100 Airfare Discount

http://www.doctorofcredit.com/chase-sapphire-reserve-will-not-infinite-100-airfare-discount/
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 16, 2016, 05:19:55 PM

i will get Trump to tweet that the media is to serious when he is only sarcastic....
?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 16, 2016, 05:26:49 PM
What's with the National, Silvercar and Avis car rentals in the T&C's? What discount do they have? Anything interesting?


i posted less of Nationals T&C but as a human being i removed it its not Nittel Today


i will get Trump to tweet that the media is to serious when he is only sarcastic....
Huh?
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 16, 2016, 05:32:13 PM
Huh?

yelped was looking for terms and conditions, i posted and removed it, but s/o took it very seriously, so the same way Trump whined that he was only sarcastic about Obama founding ISIL, i was also about nationals T&C
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 16, 2016, 05:34:24 PM
yelped was looking for terms and conditions, i posted and removed it, but s/o took it very seriously, so the same way Trump whined that he was only sarcastic about Obama founding ISIL, i was also about nationals T&C
@yelped wanted to know why it mentioned national and Avis... U randomly started quoting nationals t&c, and then to make us even more confused u start quoting trump. And were the crazy ones?!
Title: Re: Chase Sapphire Reserve
Post by: yelped on August 16, 2016, 06:01:28 PM
OK. This is like a game of broken telephone. All I want to know is what does the Chase Sapphire Reserve card offer in regards to these rental car companies. Anything useful? Or just discount codes that can be found elsewhere.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 16, 2016, 11:54:34 PM
Will you be able to upgrade from Chase Sapphire Preferred?
Why would you want to?
Oh to avoid 5/24
But I wonder if they'll throw you the 100k
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 16, 2016, 11:58:33 PM
But I wonder if they'll throw you the 100k
They won't.
Title: Re: Chase Sapphire Reserve
Post by: normathej on August 17, 2016, 09:35:22 AM
Can anyone confirm that with CPC you can get around the 5/24 rule?

Is it that the banker calls in for you or reconsiderationjust gives CPC an easier time?

CPC?
Title: Re: Chase Sapphire Reserve
Post by: BarryLincoln on August 17, 2016, 09:36:40 AM
CPC?
Chase Private Client
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 17, 2016, 10:18:13 AM
any idea when this card is coming out ?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 17, 2016, 10:18:44 AM
any idea when this card is coming out ?

Aug 21
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 10:56:37 AM
It's a great signup bonus, but it's not a game changer.
/.02

I dunno, maybe it is, maybe it isn't, but it's a game changer in at least one respect (though I'm pretty excited at the prospect of 3x on dining and travel for $150:

There is simply no way AmEx can afford to keep its Platinum card at 1x across the board.  They'll simply have to adapt that card to stay (become?) competitive.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 17, 2016, 11:17:11 AM


There is simply no way AmEx can afford to keep its Platinum card at 1x across the board.  They'll simply have to adapt that card to stay (become?) competitive.

You'll get the h/t when this happens for predicting it in 2014..


If so:


AMEX Platinum will add multiplier categories.

You heard it here first!



Title: Re: Chase Sapphire Reserve
Post by: emjee on August 17, 2016, 11:17:33 AM



1)There is simply no way AmEx can afford to keep its Platinum card at 1x across the board. 
2)They'll simply have to adapt that card to stay (become?) competitive.
1) yes they can . They're amex .
2) they have multiple point categories and deals . They're rewards system simply works differently .
They'll be fine even if they don't change a thing
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:01:44 PM
Any ideas on what the minimum credit limit will be?
$5,000?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:02:33 PM
Probably 8 or 10 I'd guess.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:07:43 PM
Probably 8 or 10 I'd guess.

If Chase gave me a $31K limit last time is it likely that I'm at the limit with them (Currently 3 cards with a combined $33k limit)?
I want to cancel a BA with a $6k limit and I am trying to maximize my chances at an auto approval.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 12:08:20 PM
1) yes they can . They're amex .
2) they have multiple point categories and deals . They're rewards system simply works differently .
They'll be fine even if they don't change a thing

"Yes they can, they're AmEx" is a line that may have worked in the 90s. It's 2016 and Chase and (to a lesser extent but true in recent times) Citi have been eating AmEx's lunch.

The only advantage the Platinum card has at this point is that it's a charge card--I assume, unfortunately, that the Reserve will be a credit card--and therefore huge spender can still drop a million bucks a week on a Plat without blinking.

That said, it'd be interesting to know if there is more revenue from the number of people who spend 25K/mo or less than who spend $1MM/mo or more.

If AmEx wants to compete with the Prestiges and the Reserves, it can't rest on "because we're AmEx" -- unless AmEx can buy a DeLorean DMC-12.
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 12:08:55 PM
If Chase gave me a $31K limit last time is it likely that I'm at the limit with them (Currently 3 cards with a combined $33k limit)?
I want to cancel a BA with a $6k limit and I am trying to maxamize my chances at an auto approval.
What's ur income?
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 12:09:34 PM
If Chase gave me a $31K limit last time is it likely that I'm at the limit with them (Currently 3 cards with a combined $33k limit)?
I want to cancel a BA with a $6k limit and I am trying to maxamize my chances at an auto approval.

I'll answer your question if you tell me if it's likely I'll get approved for my next Chase card.

Hint: you have no idea, just as no one can have an idea as to the likelihood of you being approved without credit, income, and personal info.
Title: Re: Chase Sapphire Reserve
Post by: shauly on August 17, 2016, 12:10:44 PM
1) yes they can . They're amex .
2) they have multiple point categories and deals . They're rewards system simply works differently .
They'll be fine even if they don't change a thing

They've had that "we're Amex" attitude for a long time and they are most certainly not fine anymore.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:11:42 PM
What's ur income?
I think I used around $140,000 on the last Chase apps and I guess I would do the same now.
(Household income, I wish that was my income :P)
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 12:15:19 PM
I think I used around $140,000 on the last Chase apps and I guess I would do the same now.
(Household income, I wish that was my income :P)
And credit line across all cards?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 17, 2016, 12:17:07 PM
"Yes they can, they're AmEx" is a line that may have worked in the 90s. It's 2016 and Chase and (to a lesser extent but true in recent times) Citi have been eating AmEx's lunch.

The only advantage the Platinum card has at this point is that it's a charge card--I assume, unfortunately, that the Reserve will be a credit card--and therefore huge spender can still drop a million bucks a week on a Plat without blinking.

That said, it'd be interesting to know if there is more revenue from the number of people who spend 25K/mo or less than who spend $1MM/mo or more.

If AmEx wants to compete with the Prestiges and the Reserves, it can't rest on "because we're AmEx" -- unless AmEx can buy a DeLorean DMC-12.

Come on, someone who is dropping 1m/month is likely using amex black.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:17:58 PM
And credit line across all cards?
3 Chase cards $33,000
2 Non Chase     $7,000
(I'm willing to cancel my BA with $6,000 limit)
Title: Re: Chase Sapphire Reserve
Post by: yelped on August 17, 2016, 12:23:08 PM
Do the AU's also get the $300 travel credit? If so, you're getting paid to have this card..
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:24:38 PM
Come on, someone who is dropping 1m/month is likely using amex black.
Just because you spend a lot of money doesn't mean you're a fool.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 12:25:24 PM
Do the AU's also get the $300 travel credit? If so, you're getting paid to have this card..

No.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:26:21 PM
"Yes they can, they're AmEx" is a line that may have worked in the 90s. It's 2016 and Chase and (to a lesser extent but true in recent times) Citi have been eating AmEx's lunch.

The only advantage the Platinum card has at this point is that it's a charge card--I assume, unfortunately, that the Reserve will be a credit card--and therefore huge spender can still drop a million bucks a week on a Plat without blinking.

That said, it'd be interesting to know if there is more revenue from the number of people who spend 25K/mo or less than who spend $1MM/mo or more.

If AmEx wants to compete with the Prestiges and the Reserves, it can't rest on "because we're AmEx" -- unless AmEx can buy a DeLorean DMC-12.
Only?
The Platinum lounge network outclasses the Reserve's by a large margin.
For spending in most categories the Freedom Unlimited or Everyday Preferred is still the way to go.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:26:43 PM
Do the AU's also get the $300 travel credit? If so, you're getting paid to have this card..
No.
Title: Re: Chase Sapphire Reserve
Post by: Yammer on August 17, 2016, 12:29:14 PM
No.
Any known way to get credit for the traveling like PGGM?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:30:58 PM
Any known way to get credit for the traveling like PGGM?
Nobody has the card yet.
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 12:31:24 PM
3 Chase cards $33,000
2 Non Chase     $7,000
(I'm willing to cancel my BA with $6,000 limit)
Income-cl ratio sounds like ur good (40%) but obv no one can tell u if ur getting instantly approved
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 12:34:50 PM
Only?
The Platinum lounge network outclasses the Reserve's by a large margin.
For spending in most categories the Freedom Unlimited or Everyday Preferred is still the way to go.

Personally, I don't use Priority Pass. In nearly half a million miles traveled in the last 4 or 5 years, I think I've used PP's lounge network a grand total of... once. And I have a hunch most of the Plat members don't get much use out of PP. (And, yes, I'd rather have 3x on dining and travel and primary collision than have access to the Centurion lounges.)

I'm simply comparing Plat to its counterparts, Prestige and Reserve. I'm not disputing that it may be better to also include a FU or EDP in one's spending portfolio.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 12:39:52 PM
Any ideas on what the minimum credit limit will be?
$5,000?
I haven't seen any approvals under $10k. I was approved for $10k and $15k.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:40:26 PM
Income-cl ratio sounds like ur good (40%)
This is what I was looking for. I wasn't sure if there was a number out there.

But..

I applied for multiple cards a few months ago and they only approved the second card by shifting $5k from the first one opened does this imply that I reached my limit with them or just that they don't want to do too much new credit at one time?

Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:40:46 PM
It's more than just Centurion.
It's also Airspace, Delta, etc.

It's also hard to compete with AMEX return protection, lost item protection, etc.

But yes, the earning system is totally outclassed. But AMEX never seemed to care about that much for Plat.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 17, 2016, 12:42:59 PM
It's more than just Centurion.
It's also Airspace, Delta, etc.

It's also hard to compete with AMEX return protection, lost item protection, etc.
Customer service...
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 12:43:00 PM
This is what I was looking for. I wasn't sure if there was a number out there.

But..

I applied for multiple cards a few months ago and they only approved the second card by shifting $5k from the first one opened does this imply that I reached my limit with them or just that they don't want to do too much new credit at one time?
Too much new credit. If ur looking for instant approval then maybe risk lowering one of ur cl's. If u wanna do recon, then having that cl to shift is better. Ur call
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 12:45:35 PM
Customer service...
I'll go out on a limb to say that amex customer service flat out sucks recently. They've recently fired hundreds of american CSRs and outsoutced those jobs to India, so it's only gonna get worse.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 17, 2016, 12:48:15 PM
I'll go out on a limb to say that amex customer service flat out sucks recently. They've recently fired hundreds of american CSRs and outsoutced those jobs to India, so it's only gonna get worse.
I know, but even the Indians talk to you like a mentch... Kind of like the difference between Target & Walmart... ;)
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 12:50:01 PM
Guys careful about the racism, there are ddf members who may get insulted, as they belong to that nationality

Read the last post in this thread

http://forums.dansdeals.com/index.php?topic=47787.0
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 12:50:14 PM
Too much new credit.

Would that still affect me 4 to 5 months later?

If ur looking for instant approval then maybe risk lowering one of ur cl's.

I would cancel the BA but it's only been 4 to 5 months. Any repercussions?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 12:54:00 PM
Come on, someone who is dropping 1m/month is likely using amex black.
The amex black is an expensive card to pay the extra $2050 over the platinum, considering the limited additional benefits it offers.

Even rich people don't like feeling like suckers.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 12:57:33 PM
The amex black is an expensive card to pay the extra $2050 over the platinum, considering the limited additional benefits it offers.

Even rich people don't like feeling like suckers.
Repost
Just because you spend a lot of money doesn't mean you're a fool.
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 17, 2016, 12:58:38 PM
Just because you spend a lot of money doesn't mean you're a fool.
1) & sometimes it does ..

2) some black card holders just dint care for this stuff . (And honestly , If I were in their position I don't think I'd care  either)
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 01:01:31 PM
I know, but even the Indians talk to you like a mentch... Kind of like the difference between Target & Walmart... ;)
I haven't found Chase employees to be so bad.

I'll be honest with you; the only numbers I call are the numbers on the back of the CSP about credit cards (except about business cards), and the back of the CPC debit card about banking issues. No hold time, competent reps, and I've found them to be polite.
Guys careful about the racism, there are ddf members who may get insulted, as they belong to that nationality

Read the last post in this thread

http://forums.dansdeals.com/index.php?topic=47787.0
Ouch.

To be honest, I don't care about the nationality of the representative in the slightest. I don't find that they're well trained, conversant in English, or empowered to take action about anything. Everything is the system with amex; they're just reading off a screen what the system spits back. (Of course we've all taken tremendous advantage of that, but for your average customer I'd assume they'd prefer a competent agent that comprehends their issues and has the authority and tools to solve them)
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 17, 2016, 01:01:33 PM
Guys careful about the racism, there are ddf members who may get insulted, as they belong to that nationality

Read the last post in this thread

http://forums.dansdeals.com/index.php?topic=47787.0 (http://forums.dansdeals.com/index.php?topic=47787.0)
Good point. I find that the Indians are very respectful and helpful, however their capabilities are somewhat limited, so it can be frustrating...
BTW, I know we're not allowed to call Native Americans Indians anymore, but are we also not allowed to call Indians Indians? :)
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 01:04:05 PM
Good point. I find that the Indians are very respectful and helpful, however their capabilities are somewhat limited, so it can be frustrating...
BTW, I know we're not allowed to call Native Americans Indians anymore, but are we also not allowed to call Indians Indians? :)
U can call them Indians, but ur making fun of an entire country...
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 01:05:21 PM
Who cares where they're from? Have you ever tried to dispute a charge or use return protection with AMEX and with Chase?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 17, 2016, 01:05:51 PM
I would cancel the BA but it's only been 4 to 5 months. Any repercussions?

I'm referring to this
Quote
Except that some cards do contain language in their terms and conditions if you cancel within the first 6 months of cardmembership the bank may claw back the signup bonus.

This is very rare. There are very occasional reports of this, almost akin to urban legends. But it’s advisable not to cancel a new card within 6 months for this reason.
From  View from the wing  (http://viewfromthewing.boardingarea.com/2013/03/25/can-your-miles-be-taken-away-when-you-cancel-a-credit-card/)
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 17, 2016, 01:05:53 PM
U can call them Indians, but ur making fun of an entire country...
I am not, as I clarified above.
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 17, 2016, 01:06:20 PM
Who cares where they're from? Have you ever tried to dispute a charge or use return protection with AMEX and with Chase?
+1 amex is all online...
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 17, 2016, 01:06:35 PM
Who cares where they're from? Have you ever tried to dispute a charge or use return protection with AMEX and with Chase?
Exactly.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 01:08:03 PM


Who cares where they're from? Have you ever tried to dispute a charge with Chase?

Certainly, albeit for small amounts. Quite easy, in my experience.

 People are having hell with amex disputes recently, for the reasons mentioned upthread.

Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 01:51:07 PM
It's more than just Centurion.
It's also Airspace, Delta, etc.

It's also hard to compete with AMEX return protection, lost item protection, etc.

But yes, the earning system is totally outclassed. But AMEX never seemed to care about that much for Plat.

You're paying 66% more every year for access to DL and Centurion. (Can get the other benefits on free cards like ED.)

Dollar for dollar, I'd argue the Reserve is a more compelling card for the vast majority of consumers, and I stand by my assessment that, given the Prestige and Reserve (both relatively new entrants to the market) that Plat will be forced to adapt.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 17, 2016, 01:56:50 PM
The amex black is an expensive card to pay the extra $2050 over the platinum, considering the limited additional benefits it offers.

Even rich people don't like feeling like suckers.

Except you're forgetting about the prestige factor. People I know that have Black love flashing it around. I once asked someone how they can justify the fee and they claimed that they get thousands of dollars in gift cards for use at high end clothing stores that their wife shops at. Not sure if it's true or not but point is they have the black card fee justified in their heads. Plus, ignorance is bliss. if you don't actually know what you're missing then you don't really feel like a sucker.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 01:57:12 PM
You're paying 66% more every year for access to DL and Centurion. (Can get the other benefits on free cards like ED.)

Dollar for dollar, I'd argue the Reserve is a more compelling card for the vast majority of consumers, and I stand by my assessment that, given the Prestige and Reserve (both relatively new entrants to the market) that Plat will be forced to adapt.

It's $100 more. Most people value Airspace/Delta lounges at more than that.
ED does not have lost item protection or the higher limits that Plat gives for purchases ($10K vs $1K, etc).

I don't think Platinum has to change, especially with an expanding lounge network that people will pay for. AMEX is going after people that need flex charge lines and people that need lounges. Chase is going after people who want a good card for spending.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 02:02:41 PM
$100 more is 66%.

Again, if AmEx only cares about big spenders, Chase can't compete. I have a hunch they don't.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 17, 2016, 02:09:51 PM
PRG is for value seeking customers.
Plat is for lounge.

Sapphire Reserve is an expensive PRG card with more fringe bennies, not a cheap Plat card.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 02:36:07 PM
And my point is that the people who get the Plat just for lounge access pales in comparison to the people who would get the Reserve for spending.

Seems like a no-brainer for Plat to compete for that lucrative business, and I think they will.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 17, 2016, 02:38:27 PM
Ritz is giving out PP with guest access with free AUs. PP is instantly rendered almost worthless.  :)
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 17, 2016, 02:54:43 PM
Ritz is giving out PP with guest access with free AUs. PP is instantly rendered almost worthless.  :)
Why is it "rendered almost worthless?"

Not that I think it belongs in a discussion with the Reserve, Plat, or Prestige, but it does have an elite level AF $395 and now offers $100 airline discount when booking 2 people and offers GE.

Why does the Ritz card giving PP make PP worthless, its not like its coming with a card with no or a small AF.
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on August 17, 2016, 05:05:17 PM
And my point is that the people who get the Plat just for lounge access pales in comparison to the people who would get the Reserve for spending.

Seems like a no-brainer for Plat to compete for that lucrative business, and I think they will.
I think you would be surprised. I have seen some mkt research on this topic a cpl yrs ago. The target segment of uber rich super spenders is extremely small (relative to other markets) and even though they have the most to gain in rewards by optimizing which card they use at which category they are actually LESS sensitive to variance in point structure than almost any other segment. IMO the target market for Reserve is more like PRG - a bigger market in terms of individuals, but not in terms of spend - which is a consumer that is more focused on value than access/prestige (and still spends a ton, of course).
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 17, 2016, 05:18:10 PM
I totally agree. But while uber spenders are not sensitive, upping the Plat ante makes it a more compelling to the non uber spenders, which are the overwhelming majority of the market.
Title: Re: Chase Sapphire Reserve
Post by: Newcc on August 18, 2016, 07:31:55 AM
It's $100 more. Most people value Airspace/Delta lounges at more than that.
ED does not have lost item protection or the higher limits that Plat gives for purchases ($10K vs $1K, etc).

I don't think Platinum has to change, especially with an expanding lounge network that people will pay for. AMEX is going after people that need flex charge lines and people that need lounges. Chase is going after people who want a good card for spending.
Agreed, until someome competes with a charge card and mass spending capabilites Plat has nothing to worry about IMHO.
Title: Re: Chase Sapphire Reserve
Post by: elit on August 18, 2016, 08:26:17 AM
Will the annual fee b prorated?
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 18, 2016, 08:52:04 AM
Who cares where they're from? Have you ever tried to dispute a charge or use return protection with AMEX and with Chase?
I've found my experience with Amex has gone down a whole bunch of notches recently. Not as smooth and easy as it used to be.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 18, 2016, 01:31:02 PM
Can the $300 credit be used to purchase airline gift cards?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 18, 2016, 01:32:09 PM
Can the $300 credit be used to purchase airline gift cards?

Might want to wait until Aug 21 to ask that question
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 18, 2016, 01:33:34 PM
Can the $300 credit be used to purchase airline gift cards?
Yes.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 18, 2016, 01:33:57 PM
Might want to wait until Aug 21 to ask that question
I guess I should ask if travel credits on other chase cards (ie ritz carlton) can be used to purchase airline gift cards? I would assume the same would apply here.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 18, 2016, 01:34:18 PM
Yes.
Thanks Dan
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 18, 2016, 01:35:00 PM
I guess I should ask if travel credits on other chase cards (ie ritz carlton) can be used to purchase airline gift cards? I would assume the same would apply here.
This credit is much better than the Ritz credit. The Ritz credit is for airline incidentals; this is for all travel.
Title: Re: Chase Sapphire Reserve
Post by: itsyehuda on August 18, 2016, 01:57:04 PM
Ritz is giving out PP with guest access with free AUs. PP is instantly rendered almost worthless.  :)

AUs are getting their own priority pass?
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 18, 2016, 02:12:56 PM
Amex dispute dept is a disaster lately.

The issue is that since the Indians are handling it, the way these idiots do it is lets say you bought a ticket with United to Miami for $200 and for some reason they overcharged you with $1000, so you file a dispute for $1000 explaining the situation and these Indians instead of taking it up with United and telling them that they overcharges customer with $1000 they just send in dispute and of course United answered that "the passenger flew on the ticket" and Amex just forwards that to the customer and closes the case since United is right..... I would never believe that this is what happened to Amex wouldn't i see story after story...

So Amex does not for me to stick with them....
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 18, 2016, 02:15:44 PM
This credit is much better than the Ritz credit. The Ritz credit is for airline incidentals; this is for all travel.
Understood. I really just wanted to know about this card and just mentioned the Ritz card as a reference point. Not to go off topic, but can Ritz be used for airline gift cards or they know if gift card is purchases vs. baggage fee for example?
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 18, 2016, 02:58:59 PM
Understood. I really just wanted to know about this card and just mentioned the Ritz card as a reference point. Not to go off topic, but can Ritz be used for airline gift cards or they know if gift card is purchases vs. baggage fee for example?
they dont know but they will ask what you bought
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 18, 2016, 03:07:56 PM
Understood. I really just wanted to know about this card and just mentioned the Ritz card as a reference point. Not to go off topic, but can Ritz be used for airline gift cards or they know if gift card is purchases vs. baggage fee for example?
they dont know but they will ask what you bought
At one point, after asking what you bought they would verify it, which is why people stopped using the Ritz card to buy AA GCs. I dont know if they still verify it.
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 18, 2016, 03:15:34 PM
At one point, after asking what you bought they would verify it, which is why people stopped using the Ritz card to buy AA GCs. I dont know if they still verify it.
and they were taking back the credits?!
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 18, 2016, 03:23:58 PM
and they were taking back the credits?!
For me when I tried it, they said that it didn't match what I said. I hung up, and SM'd for the credit and got it via SM.
Title: Re: Chase Sapphire Reserve
Post by: NYHeel on August 19, 2016, 11:18:29 AM
I know that the answer is likely "because they can", but what's the justification for charging $75 for an AU card? If I'm going to use this card for everyday spending then I need two cards. But I really don't want to pay $75 just to have a second piece of plastic. It also makes the markup over the CSP in year 2 to be $130. That's a lot.
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 19, 2016, 11:26:06 AM
I know that the answer is likely "because they can", but what's the justification for charging $75 for an AU card? If I'm going to use this card for everyday spending then I need two cards. But I really don't want to pay $75 just to have a second piece of plastic. It also makes the markup over the CSP in year 2 to be $130. That's a lot.
the au does get lounge access
Title: Re: Chase Sapphire Reserve
Post by: NYHeel on August 19, 2016, 12:50:42 PM
the au does get lounge access
I hear that although it seems like a lot of money to pay for lounge access, at least for me. I don't think I've ever been to a lounge before.

I wonder if there's a way to get a second identical card. That's all I'd really need. Both cards would have my name and number on it. I wonder if Chase would do that.
Title: Re: Chase Sapphire Reserve
Post by: sedge on August 19, 2016, 01:49:22 PM
I hear that although it seems like a lot of money to pay for lounge access, at least for me. I don't think I've ever been to a lounge before.

I wonder if there's a way to get a second identical card. That's all I'd really need. Both cards would have my name and number on it. I wonder if Chase would do that.
The CC itself does not get you into PP lounges. You need the physical PP card or the electronic version. The PP card is mailed to you separately once you are approved for the card. Alternatively you can get the QR card the day you're approved.

Easy to get two identical CCs. Just call and ask for a replacement because you mangled yours. You'll get the same card, same acct #, cvv, etc.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 19, 2016, 01:57:55 PM
The CC itself does not get you into PP lounges. You need the physical PP card or the electronic version. The PP card is mailed to you separately once you are approved for the card. Alternatively you can get the QR card the day you're approved.

Easy to get two identical CCs. Just call and ask for a replacement because you mangled yours. You'll get the same card, same acct #, cvv, etc.

Doesn't chase also provide you with an identical non-metal version of this card upon request?
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 19, 2016, 02:01:47 PM
The CC itself does not get you into PP lounges. You need the physical PP card or the electronic version. The PP card is mailed to you separately once you are approved for the card. Alternatively you can get the QR card the day you're approved.
Does PP stop working once CC is cancelled?
Title: Re: Chase Sapphire Reserve
Post by: elit on August 19, 2016, 02:02:57 PM
Will the annual fee b prorated?
Bump.  Are all chase cards the same with this?
Title: Re: Chase Sapphire Reserve
Post by: sedge on August 19, 2016, 02:15:51 PM
Doesn't chase also provide you with an identical non-metal version of this card upon request?
I don't know. No experience.
Does PP stop working once CC is cancelled?
I don't know. No experience.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 19, 2016, 02:18:19 PM
I don't know. No experience.I don't know. No experience.
I doubt it
It will stop at the end of their year
Title: Re: Chase Sapphire Reserve
Post by: itsyehuda on August 19, 2016, 04:11:33 PM
I doubt it
It will stop at the end of their year

Amex cancels PP IIRC
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 19, 2016, 04:12:36 PM
Amex cancels PP IIRC
If it wasn't you I would argue
Title: Re: Chase Sapphire Reserve
Post by: Sport on August 19, 2016, 07:01:40 PM
Amex cancels PP IIRC
Yup
If it wasn't you I would argue
Good thing he is him, otherwise you'd be worng.
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 19, 2016, 07:04:35 PM
Amex cancels PP IIRC
IME sometimes they forget...same thing with spg gold
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 19, 2016, 07:06:59 PM
IME sometimes they forget...same thing with spg gold
Especially AUs PP.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 19, 2016, 07:18:51 PM
YupGood thing he is him, otherwise you'd be worng.
Exactly!
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 20, 2016, 10:21:17 PM
I should have a secondary link for this card on Monday.
Title: Re: Chase Sapphire Reserve
Post by: regular on August 20, 2016, 10:37:19 PM
I should have a secondary link for this card on Monday.
meaning?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 20, 2016, 10:38:59 PM
meaning?
That you can wait a day to sign up and give Dan a commission.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 20, 2016, 10:39:23 PM
meaning?
Via clicking on the bank from http://www.dansdeals.com/creditcards-com
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 21, 2016, 07:20:40 AM
when the link goes public it will be available on chase.com?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 07:26:12 AM
That you can wait a day to sign up and give Dan a commission.
If you are over 5/24 apply ASAP.
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 21, 2016, 08:12:25 AM
If you are over 5/24 apply ASAP.
Anyone know exactly when it will go live?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 21, 2016, 08:14:22 AM
Anyone know exactly when it will go live?

Rumors were saying 8am, though nothing happened. Some reps were saying this will only be live in branch today, and online will be on tomorrow.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 08:18:37 AM
Anyone know exactly when it will go live?
It is on death watch.  :)
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 21, 2016, 08:24:30 AM
It is on death watch.  :)
Any guesses on how long the 100k bonus offer will last?

Till November (triple dip $300)?
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 21, 2016, 08:26:45 AM
Any guesses on how long the 100k bonus offer will last?

Till November (triple dip $300)?
i wouldnt risk it
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 08:28:27 AM
i wouldnt risk it
+1000
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 21, 2016, 08:37:32 AM
rep claims once the site is finished updating the app will be live. obviously dropr but maybe...
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 21, 2016, 08:44:40 AM
Just spoke with a chase rep who informed me that online applications will not be available for some time. Currently only in-branch apps will be available.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 08:54:22 AM
Just spoke to rep and was told this will be released in waves. First that will be able to apply are those that have been banned in the past. Since I have been banned multiple times she assured me a would be at the top of the list.
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 21, 2016, 08:56:06 AM
Just spoke to rep and was told this will be released in waves. First that will be able to apply are those that have been banned in the past. Since I have been banned multiple times she assured me a would be at the top of the list.
Interesting. Cuz the rep I spoke to told me the opposite. Being that I've never been banned, I would get first dibs on the link. She took down my number to call me when it's live.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 09:00:35 AM
Interesting. Cuz the rep I spoke to told me the opposite. Being that I've never been banned, I would get first dibs on the link. She took down my number to call me when it's live.
Maybe she meant I will be on the list that gets this card when hell freezes over.  >:(
Title: Re: Chase Sapphire Reserve
Post by: yitrap on August 21, 2016, 09:29:16 AM
How fast does downgrading line of credit take place with chase?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 09:31:04 AM
How fast does downgrading line of credit take place with chase?
Instant
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 21, 2016, 09:31:30 AM
If you mean reducing it, usually  right  away .
Title: Re: Chase Sapphire Reserve
Post by: yitrap on August 21, 2016, 09:32:28 AM
Thanks, trying to raise chances of getting instant approval....
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 21, 2016, 09:33:53 AM
Are all  chase  branches closed on Sunday ?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 09:36:51 AM
Are all  chase  branches closed on Sunday ?
Some are open
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 21, 2016, 09:40:50 AM
Are all  chase  branches closed on Sunday ?
Check on their site. There are some open.
Title: Re: Chase Sapphire Reserve
Post by: srf60 on August 21, 2016, 10:13:44 AM
If you are over 5/24 apply ASAP.
Why's that?
Title: Re: Chase Sapphire Reserve
Post by: Geshmak25 on August 21, 2016, 10:36:47 AM
If you are over 5/24 apply ASAP.
Whats w 5/24?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 10:39:35 AM
Whats w 5/24?
Having 5 CC in 24 months renders you ineligible to get approved for a chase branded card
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 21, 2016, 10:42:49 AM
Having 5 CC in 24 months renders you ineligible to get approved for a chase branded card
He meant to ask why isn't that an issue here.
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 21, 2016, 10:52:28 AM
Are all  chase  branches closed on Sunday ?

Borough Park Locations are open
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 21, 2016, 11:51:51 AM
Any in the catskills? The closest  I  can find is new rochelle.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 21, 2016, 11:57:21 AM
Can anyone confirm that this is live in branch?
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 21, 2016, 11:58:25 AM
Just spoke to rep and was told this will be released in waves. First that will be able to apply are those that have been banned in the past. Since I have been banned multiple times she assured me a would be at the top of the list.
Does this mean that 5/24 will not apply? And what is the sense of giving precedence to those that have been banned? ???  Sounds like a real case of DROPR. What am I missing?
Title: Re: Chase Sapphire Reserve
Post by: keepsmiling123 on August 21, 2016, 11:58:46 AM
Can anyone confirm that this is live in branch?

wasnt live an hour ago when I went
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 21, 2016, 11:59:10 AM
Can anyone confirm that this is live in branch?

It depends on the branch. Some people have been able to apply and at other branches the CSR isn't in their system.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 11:59:48 AM
Does this mean that 5/24 will not apply? And what is the sense of giving precedence to those that have been banned? ???  Sounds like a real case of DROPR. What am I missing?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 12:00:13 PM
It depends on the branch. Some people have been able to apply and at other branches the CSR isn't in their system.
Source?
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 21, 2016, 12:02:16 PM
(https://emoji.tapatalk-cdn.com/emoji85.png)
Not helping... :(
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 21, 2016, 12:05:24 PM
Not helping... :(
He was being sarcastic
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 21, 2016, 12:21:39 PM
Why can't people just wait for Dan's link tomorrow?
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 21, 2016, 12:22:53 PM
Source?

Data points coming in on  Reddit.
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 21, 2016, 12:28:50 PM
Why can't people just wait for Dan's link tomorrow?

People are wanting to apply in the hope there will be a window of opportunity where 5/24 doesn't count.  If there is, it won't last long.  I hope Dan can get his link up tomorrow, but I heard Chase has a 36 hour exclusivity clause. (Source: person with affiliate links).  It doesn't mean that someone won't leak a link before then.  For new people without many cards, waiting would probably be the better course of action.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 21, 2016, 12:31:24 PM
He was being sarcastic
Oh, ok. But then, what's this about?
People are wanting to apply in the hope there will be a window of opportunity where 5/24 doesn't count.  If there is, it won't last long.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 21, 2016, 12:32:22 PM
People are wanting to apply in the hope there will be a window of opportunity where 5/24 doesn't count.  If there is, it won't last long.  I hope Dan can get his link up tomorrow, but I heard Chase has a 36 hour exclusivity clause. (Source: person with affiliate links).  It doesn't mean that someone won't leak a link before then.  For new people without many cards, waiting would probably be the better course of action.


I don't just pull things out of my $%^&  ::)
(https://i.gyazo.com/0dcce026f50419d719d42607450b65e3.png)

Mind you that can change, hence the
I should have a secondary link for this card on Monday.
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 21, 2016, 12:36:14 PM
I don't just pull things out of my $%^&  ::)
(https://i.gyazo.com/0dcce026f50419d719d42607450b65e3.png)

Mind you that can change, hence the

Sorry for the misunderstanding, Dan.  I know it's going live tomorrow. I just didn't know if you had to wait 36 hours to post the affiliate link after it went live.  That's what I was referring to. You and Doc are the most accurate sources of information.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 21, 2016, 12:45:19 PM
Never heard of 36 hour waits. Doesn't mean it's not true, but not something I've ever encountered.

Back when I had direct links I often had offers before anyone else, including chase.com
Title: Re: Chase Sapphire Reserve
Post by: Geshmak25 on August 21, 2016, 12:56:39 PM
Never heard of 36 hour waits. Doesn't mean it's not true, but not something I've ever encountered.

Back when I had direct links I often had offers before anyone else, including chase.com
Any info on whether 5/24 will apply? Honestly dont know why it wouldnt...
Title: Re: Chase Sapphire Reserve
Post by: tafastamerubaLOtafasta on August 21, 2016, 01:06:47 PM
nothing doing online? can i call in?
Title: Chase Sapphire Reserve
Post by: mmgfarb on August 21, 2016, 01:07:44 PM
Any info on whether 5/24 will apply? Honestly dont know why it wouldnt...
Nothing concrete, some rumors on reddit but that's it, we'll have to wait and see
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 21, 2016, 01:13:29 PM
Seems pretty clear that 5/24 is applying. A few denials with no option of reallocating credit due to too many cards in past 2 years. 
 
BH I grabbed a couple last week.
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 21, 2016, 01:16:40 PM
This is, in no doubt, the most anticipated new credit card in a while.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 21, 2016, 01:19:33 PM
This is, in no doubt, the most anticipated new credit card in a while.
If you'd look at reddit, you'd think the Messiah had come. Bunch of two year olds.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 21, 2016, 01:20:44 PM
The people most excited by this card are the ones who don't know how to use miles.
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 21, 2016, 01:45:12 PM
Can anyone confirm that this is live in branch?
reddit
Title: Re: Chase Sapphire Reserve
Post by: talkitup90 on August 21, 2016, 02:17:54 PM
Anyone know how soon you can be pre-qualified for a Chase card? There are some DPs on reddit of folks over 5/24 being approved in branch. Perhaps they're pre-qualified. Hoping I / we are as well!
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 02:21:08 PM
The people most excited by this card are the ones who don't know how to use miles.
FTFY  :)
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 21, 2016, 02:36:00 PM
anyone knows how long recon works? can i still try recon more then 30 days after i submitted the application?
Title: Re: Chase Sapphire Reserve
Post by: m65 on August 21, 2016, 03:00:19 PM
is the basic opinion that the 5/24 rule will be applying here?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 21, 2016, 03:04:47 PM
is the basic opinion that the 5/24 rule will be applying here?
What do opinions matter ?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 21, 2016, 03:08:44 PM
Opinions are like a..holes.
Everyone's got one and they all stink.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 21, 2016, 03:29:58 PM
Some stink less than others.

Why don't everyone just go to OM/OD and rack up some points and cash instead of being on death watch. 50k UR today and 50k tomorrow.  ;)
Title: Re: Chase Sapphire Reserve
Post by: ExGingi on August 21, 2016, 03:30:24 PM
The people most excited by this card are the ones who don't know how to use miles.
Why are you saying this?

I haven't done in in-depth analysis, but if my main usage for miles/travel is NYC-TLV route, being able to use UR at a value of 1.5 cents per UR is quite attractive.

If a revenue J NYC-TLV can be bought for around $3,000 (and if willing to take a stop, can be as low as $2,000), why is this not attractive rather than trying to find saver availability and worrying about YQ, expedite fees, etc. etc. (yes, there are some workarounds, but that's more time invested, HUCA etc. etc.)?

And if looking for an economy fare it seems just as attractive, if not more.

Couple that with abundant easy opportunities to earn 1.5x and 5x UR points, this starts looking attractive, paired with some Ink and Freedom (and don't have to hassle with transfers to others etc. even when they are family members).

To me it looks like Citi and Chase are at war over Visa accounts (and we should all benefit from it). I started to move a lot of my spending to Citi, but with this it might come back to Chase.
Title: Re: Chase Sapphire Reserve
Post by: Slims on August 21, 2016, 04:34:21 PM
Anyone know how soon you can be pre-qualified for a Chase card? There are some DPs on reddit of folks over 5/24 being approved in branch. Perhaps they're pre-qualified. Hoping I / we are as well!

I went in-branch today and the banker said was I was pre-qualified. (I am under 5/24)
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 21, 2016, 09:54:26 PM
MY wife has Chase IP 60k offer via mail for long time, they keep sending new one every month. Can she apply for that pre qualified IP and the new SP reserve when it releases at same or 2bm? The only inquiry in last  24 month is her recent mortgage inquiry and one citi card 20 months ago.
 
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 21, 2016, 09:57:11 PM
MY wife has Chase IP 60k offer via mail for long time, they keep sending new one every month. Can she apply for that pre qualified IP and the new SP reserve when it releases at same or 2bm? The only inquiry in last  24 month is her recent mortgage inquiry and one citi card 20 months ago.
Chase does separate pulls for personal and business.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 21, 2016, 09:59:12 PM
MY wife has Chase IP 60k offer via mail for long time, they keep sending new one every month. Can she apply for that pre qualified IP and the new SP reserve when it releases at same or 2bm? The only inquiry in last  24 month is her recent mortgage inquiry and one citi card 20 months ago.
Feel free to go for it, but it's not a 2bm.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 21, 2016, 10:08:52 PM
Feel free to go for it, but it's not a 2bm.
The IP 60K for $5k spend offer she keeps getting in mail  strangely doesn't mention" you are pre approved or pre qualified" so I know business card these days  is tough with chase. But the 60k points for $5k is public  right?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 21, 2016, 10:11:21 PM
The IP 60K for $5k spend offer she keeps getting in mail  strangely doesn't mention" you are pre approved or pre qualified" so I know business card these days  is tough with chase. But the 60k points for $5k is public  right?
60k/$5k is public with AF.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 21, 2016, 10:19:52 PM
60k/$5k is public with AF.
I guess chase just wants her to apply for the public offer via mail I guess. Doesn't mention preapproved or pre qualified so no guarantee of approval
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 01:05:45 AM
From Reddit (https://www.reddit.com/r/churning/comments/4yr9yx/chase_sapphire_reserve_megathread/d6qx3b9); 100,000 point bonus good through September.
(I'm assuming he means the end of September?)

This is just one person and perhaps DROPR.
Title: Re: Chase Sapphire Reserve
Post by: elit on August 22, 2016, 08:06:01 AM
Still no link?
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 08:13:18 AM
Still no link?
it doesn't look like chase is in any rush to get the card available online.
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 08:22:51 AM
just spoke with a chase rep and she told me "it will be available online in the next few days so just keep checking back".
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 22, 2016, 08:54:08 AM
just got this sm response
Date:   08-22-2016 07:27:12
From:   Chase Card Services
Subject:   Re: Other/Inquiry Not Listed
Message:

 
Dear chinagel,

Thank you for contacting Chase.

We're responding to your question about switching your
account to Chase Sapphire Reserve card. Although the
option to switch cards is not currently available, you
might want to consider applying for a new account with
features and benefits that better suit your needs.

Chase has cards that offer travel rewards, cash back, gas
rebates, charitable donations and more. Visit
www.chase.com for more information. Or call Customer
Service at the number below to ask about specific cards.

With regards to the new Chase Sapphire Reserve card,
please be advised that the card is not yet launched.
We?ll post more information about it on Chase.com when the
card is available.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase.

Thank you,
Janet Joseph
Customer Service Specialist
Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 22, 2016, 09:02:20 AM
The card is live.
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=6227&SPID=FL3P&PROMO=DF01
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 22, 2016, 09:06:49 AM
The card is live.
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=6227&SPID=FL3P&PROMO=DF01
great! thanks
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 22, 2016, 09:08:15 AM
The card is live.
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=6227&SPID=FL3P&PROMO=DF01
for those above 5/24, report back
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 09:11:54 AM
I should have a link later today, thanks in advance :)
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 22, 2016, 09:13:17 AM
The card is live.
https://applynow.chase.com/FlexAppWeb/renderApp.do?CELL=6227&SPID=FL3P&PROMO=DF01
there is no mention of bonus
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 22, 2016, 09:17:08 AM
declined due to 5/24
Title: Re: Chase Sapphire Reserve
Post by: elit on August 22, 2016, 09:38:11 AM
Approved. (No 5/24)
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 09:40:44 AM
Where is the link everyone  is using from?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 09:44:42 AM
Where is the link everyone  is using from?
Look a few posts up.
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 09:48:26 AM
I know that, but where is that link from if it's not on chase website yet?
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 22, 2016, 09:56:30 AM
I should have a link later today, thanks in advance :)
Such an awesome card, I couldn't wait to apply. Sorry.  :-[
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 09:58:59 AM
Such an awesome card, I couldn't wait to apply. Sorry.  :-[

and is it under 5/24??
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 10:00:33 AM
and is it under 5/24??
Seems to be, with a few exceptions.
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 10:01:56 AM
Seems to be, with a few exceptions.


oiy vey  >:( HUCA to Recon?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 10:03:31 AM
and is it under 5/24??
declined due to 5/24
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 10:03:58 AM

oiy vey  >:( HUCA to Recon?
if you do see if they confirm this offer gets the 100k.
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 10:10:57 AM
if you do see if they confirm this offer gets the 100k.
Thats for sure, the link was leaked last week already
Title: Re: Chase Sapphire Reserve
Post by: shmebeble on August 22, 2016, 10:20:34 AM
Approved. (No 5/24)
meaning you did not have 5 new cards?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 22, 2016, 10:20:46 AM
Thats for sure, the link was leaked last week already
nothing is for sure these days
Title: Re: Chase Sapphire Reserve
Post by: elit on August 22, 2016, 10:31:22 AM
meaning you did not have 5 new cards?
Right
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 10:37:03 AM
if you do see if they confirm this offer gets the 100k.
It's confirmed.
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 22, 2016, 10:37:34 AM
What is the minimum CL for this card to get approved?
Title: Re: Chase Sapphire Reserve
Post by: henche on August 22, 2016, 10:38:06 AM
Where's the link. Wiki?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 10:40:58 AM
What is the minimum CL for this card to get approved?
10k seems to be the lowest
if you do see if they confirm this offer gets the 100k.
Title: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 10:42:24 AM
10k seems to be the lowest
Where is that DP from?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 22, 2016, 10:42:52 AM
What is the minimum CL for this card to get approved?
DoC mentioned that 10k CL is needed for a product change so I would assume it's the minimum required
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 10:44:37 AM
Where's the link. Wiki?
Wait for Dan's link, you traitor.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 10:45:34 AM
Where is that DP from?
I haven't seen anyone mention a limit lower than 10k but many got a 10k limit.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 10:48:44 AM
I haven't seen any approvals under $10k. I was approved for $10k and $15k.
Plus many reports from reddit.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 22, 2016, 11:05:15 AM
I should have a link later today, thanks in advance :)
Wow the wait is killing me....
No prob I'll wait
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 11:06:46 AM
I should have a link later today, thanks in advance :)

will you have Reps in the bank as well?
(reports on Reddit that Reps maybe maybe can pass the 5/24)
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 11:09:56 AM
5/24 applied to me
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 11:10:55 AM
will you have Reps in the bank as well?
(reports on Reddit that Reps maybe maybe can pass the 5/24)
Link?
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 11:14:39 AM
Link?

https://www.reddit.com/user/Wolfe1

his top post
Title: Re: Chase Sapphire Reserve
Post by: maxie m on August 22, 2016, 11:21:48 AM
5/24 applied to me
me too  >:(
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 22, 2016, 11:24:38 AM
me too  >:(
I'm not gonna bother
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 22, 2016, 11:26:37 AM
I'm not gonna bother
+1
Title: Re: Chase Sapphire Reserve
Post by: Luvtotravel on August 22, 2016, 11:29:11 AM
Wow the wait is killing me....
No prob I'll wait
just wondering, is this time sensitive?
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 11:31:16 AM
just wondering, is this time sensitive?
By now if it's under 5/24 no
Title: Re: Chase Sapphire Reserve
Post by: yandmk on August 22, 2016, 11:31:39 AM
1) If I have the CSP, do I need to downgrade to a freedom before applying, or can I have both at once (as they are 2 different versions)

2) Does anyone know if the 3x UR on travel has a $100k limit like the PRG or is unlimited? (I spend way more than $100k on travel on my cc annually)
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 11:31:59 AM
Wow, so no reports of over 5/24 approvals?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 11:32:48 AM
1) If I have the CSP, do I need to downgrade to a freedom before applying, or can I have both at once (as they are 2 different versions)

2) Does anyone know if the 3x UR on travel has a $100k limit like the PRG or is unlimited? (I spend way more than $100k on travel on my cc annually)
1. Two separate products

2. Unlimited, 1 notch higher than the sapphire preferred 2X travel
Title: Re: Chase Sapphire Reserve
Post by: yandmk on August 22, 2016, 11:34:17 AM
1. Two separate products

2. Unlimited, 1 notch higher than the sapphire preferred 2X travel
Thanks
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 11:39:02 AM
Recon wait is over 10 minutes, I'll leave the HUCA for another day
Title: Re: Chase Sapphire Reserve
Post by: loveddeals on August 22, 2016, 11:39:24 AM
Couldn't find this info on chase page (or here, may be I missed it):

Is there a fee for adding AUs?

Also, AF is due on my Chase Sapphire Preferred. I was thinking of canceling that one. Is there another card I should get that has no AF, but still keeps UR points active (if I am not approved for this reserve card). And, if I am approved for reserve, should I still downgrade that CSP to a no-fee card (I am sure there is one, but can't figure out which one Smilie ).
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 22, 2016, 11:44:14 AM
Couldn't find this info on chase page (or here, may be I missed it):

Is there a fee for adding AUs?
$75 (https://applynow.chase.com/FlexAppWeb/pricing.do?card=FL3P)
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 22, 2016, 11:59:19 AM
just found out amex denied request to remove some AU accounts. got 3 others removed, but i think that leaves DW at 5/24 exactly
may be worth a shot if this bonus wont be around long
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 12:05:12 PM
anyone success with Recon? do they have ppl who will take AU as an excuse??
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 22, 2016, 12:12:24 PM
the link doesn't show the 100K signup I guess its risky to apply now?
Title: Re: Chase Sapphire Reserve
Post by: jj1000 on August 22, 2016, 12:22:33 PM
This is great we get to see the DD loyals or not :P
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 12:22:48 PM
Dan, any eta on your link?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 12:23:20 PM
This is great we get to see the DD loyals or not :P
What does loyalty get us?
Title: Re: Chase Sapphire Reserve
Post by: jj1000 on August 22, 2016, 12:26:07 PM
What does loyalty get us?
Appreciation, and it feeds my kid :P

If 5/24 didn't apply to early applicants I get it, but now that we know if does apply ;)
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 12:27:18 PM
Appreciation, and it feeds my kid :P

If 5/24 didn't apply to early applicants I get it, but now that we know if does apply ;)

commission is not based on approvals?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 12:28:05 PM
commission is not based on approvals?
and it feeds my kid
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 22, 2016, 12:40:41 PM
For those that went into a branch- do you ask them what offers are you pre-qualified for or did you specifically mention the CSR?
Title: Re: Chase Sapphire Reserve
Post by: itsyehuda on August 22, 2016, 01:05:09 PM
Couldn't find this info on chase page (or here, may be I missed it):

Is there a fee for adding AUs?

Also, AF is due on my Chase Sapphire Preferred. I was thinking of canceling that one. Is there another card I should get that has no AF, but still keeps UR points active (if I am not approved for this reserve card). And, if I am approved for reserve, should I still downgrade that CSP to a no-fee card (I am sure there is one, but can't figure out which one Smilie ).

Downgrade to freedom
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 22, 2016, 01:12:31 PM
Such an awesome card, I couldn't wait to apply. Sorry.  :-[
Come on Bro
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 01:14:05 PM
Chase recon Reps are having fun today
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 22, 2016, 01:21:43 PM
This is great we get to see the DD loyals or not :P

Considering you only get paid on approvals, it'll matter very little in this crowd.
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 01:26:34 PM
for the ppl wondering how chase is making money on a $450 AF and $600 travel Credit. from ppl like this man on reddit

''Approved after calling verification after a pending notice online
$28.5K limit
She told me there was a $450 annual fee though - WTF?!
''
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 22, 2016, 01:29:28 PM
for the ppl wondering how chase is making money on a $450 AF and $600 travel Credit. from ppl like this man on reddit

''Approved after calling verification after a pending notice online
$28.5K limit
She told me there was a $450 annual fee though - WTF?!
''
;D
Title: Re: Chase Sapphire Reserve
Post by: duvz on August 22, 2016, 01:38:30 PM
What phone number are people using to get through to Recon today?

Here are the numbers I have but don't want to wait 10 mins per number at this moment:

888-270-2127   
888-245-0625
888-609-7805
Title: Re: Chase Sapphire Reserve
Post by: JosephM on August 22, 2016, 01:50:11 PM
Where is the link already?  Trying to be loyal but its so hard to wait.
Title: Re: Chase Sapphire Reserve
Post by: elit on August 22, 2016, 01:50:32 PM
This is great we get to see the DD loyals or not
TBH reason I didn't wait is because I assumed as soon as dan puts out a link they are going to get bombarded and assuming the link doesn't crash it still would be impossible to get Thru to recon if needed.
From the cinversation here though it Looks like recon is impossible either way today
Title: Re: Chase Sapphire Reserve
Post by: JosephM on August 22, 2016, 01:52:58 PM
Hoping Dan posts it here before DDMS.
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 01:55:04 PM
Getting off the topic of people complaining about waiting for Dan's link.

I believe I've read that Chase will refund an AF 90 or even 180 days after the charge. If I upgrade/PC to the Reserve would Chase refund the $95 I paid on my SP?
Title: Re: Chase Sapphire Reserve
Post by: GUY436 on August 22, 2016, 01:56:52 PM
so how is everyone so sure about the 100k points bonus? How do you know you will get it if the promotion isnt indicated on the applications
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 02:00:17 PM
Appreciation, and it feeds my kid :P

If 5/24 didn't apply to early applicants I get it, but now that we know if does apply ;)
I applied in branch to bring a different data point, I sacrificed a pull for Dans MS post, this is called loyal!
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 22, 2016, 02:00:38 PM
so how is everyone so sure about the 100k points bonus? How do you know you will get it if the promotion isnt indicated on the applications
The phone reps are confirming the bonus.
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 02:02:35 PM
And chase is matching offers either way...
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 22, 2016, 02:09:53 PM
got pending with under no 5/25  , perhaps i have too many chase cards? what's the recon line? thanks
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 22, 2016, 02:12:24 PM
got pending with under no 5/25  , perhaps i have too many chase cards? what's the recon line? thanks
There are three numbers literally 10 posts upthread.
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 22, 2016, 02:14:56 PM
Couldn't resist. Applied got denied due to 5/25. Called recon said if denied for 5/24 nothing they can do. I will Huca tomorrow and see what happens.
I will try branch tomorw as CPC however the branch is sooo busy they don't really help anyone:)
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 02:23:38 PM
Wow, so no reports of over 5/24 approvals?
I know of at least one today. CPC, though
Title: Re: Chase Sapphire Reserve
Post by: jomaster28 on August 22, 2016, 02:23:45 PM
5/24 is only Chase cards or all credit cards?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 02:25:01 PM
5/24 is only Chase cards or all credit cards?
Anything on your report
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 02:26:30 PM
Where is the link already?  Trying to be loyal but its so hard to wait.
I hate to be nasty, but that sounds like one of those two year old sheep on reddit. You'll have the identical approval chances and bonus tomorrow that you have today.
Title: Re: Chase Sapphire Reserve
Post by: jj1000 on August 22, 2016, 02:27:41 PM
Dan, any eta on your link?
By EOD.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 02:28:32 PM
Hoping Dan posts it here before DDMS.
If he is loyal to DDF members then he will. Loyalty is a two way street.  :)
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 02:29:55 PM
Appreciation, and it feeds my kid

If 5/24 didn't apply to early applicants I get it, but now that we know if does apply ;)
Sounds like you didn't lose a penny so far. No reported approvals on this thread.


People, wake up! The reason Chase is denying you is for not using Dan's link, and pointlessly throwing money in the garbage.
Title: Re: Chase Sapphire Reserve
Post by: jj1000 on August 22, 2016, 02:31:13 PM
If he is loyal to DDF members then he will. Loyalty is a two way street.  :)

Deal :) (I will try)

Although I can't gurantee how long.
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 02:32:22 PM
Deal :) (I will try)

Although I can't gurantee how long.

On DDMS he has a better chance of getting approvals 😉
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 02:33:27 PM
Deal :) (I will try)

Although I can't gurantee how long.
Sounds good and I will hold out a little longer before applying but I can't guarantee how much longer.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 02:33:52 PM
On DDMS he has a better chance of getting approvals 😉
We are talking loyalty not approvals.
Title: Re: Chase Sapphire Reserve
Post by: mordechain on August 22, 2016, 02:39:35 PM
Does over 5/24 go to pending, or is there an automatic decline message?
Title: Re: Chase Sapphire Reserve
Post by: unclesam on August 22, 2016, 02:59:22 PM
Any chance getting approved with a 685 score?
Score dropped last month after a late payment
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 22, 2016, 02:59:59 PM
Does over 5/24 go to pending, or is there an automatic decline message?
pending ime
Title: Re: Chase Sapphire Reserve
Post by: ms6 on August 22, 2016, 03:03:28 PM
Tried at branched, declined 5/24.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 03:03:40 PM
Does over 5/24 go to pending, or is there an automatic decline message?
Pending with 7-10 day message when you call status line.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 22, 2016, 03:06:14 PM
Tried at branched, declined 5/24.

Are you CPC?
Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 22, 2016, 03:11:00 PM
originally declined due to previous unsatisfactory...  spoke to recon... they agreed to transfer credit from another card just said i need to speak to verification's... after speaking to verification's they said need to speak to lending. Now they say declined due to to many chase applications recently submitted.  I had submitted 2 applications in july that were declined because i had them withen 2 years.
I am way over 5/24 but they are not giving me a problem because of it.

Question is how could i get them to approve?
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 03:11:37 PM
Tried at branched, declined 5/24.

Were you pre qualified?
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 22, 2016, 03:16:22 PM
I know of at least one today. CPC, though
Promising... How far over 5/24? Applied in branch via CPC banker?
Title: Re: Chase Sapphire Reserve
Post by: gavhaller on August 22, 2016, 03:25:23 PM
Everyone keeps talking about CPC. I've searched around but it seems you need at least 250k for an invite or to be enrolled.

Any other info? I'd love to have one more try since im over 5/24 and was declined.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 03:26:33 PM
A banker can make anyone CPC.
All about relationships.
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 22, 2016, 03:45:13 PM
checked the chase pre-qualified tool and it says I am eligible for unlimited and sapphire but I dont see reserved on it. If I go to the branch can I still be pre-qualified for reserve. I recently closed my checking with them so no banking relationship.. not sure if that matters while they check for pre-qualification.. I do have other chase cards for years..
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 04:00:05 PM
Dan are you typing up a huge DDMS post??  :D
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 04:04:50 PM
Dan are you typing up a huge DDMS post??  :D
That was done weeks ago.  :P
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 04:08:08 PM
checked the chase pre-qualified tool and it says I am eligible for unlimited and sapphire but I dont see reserved on it. If I go to the branch can I still be pre-qualified for reserve.
I believe so.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 22, 2016, 04:14:35 PM
Link yet?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 04:15:28 PM
Link yet?
By EOD.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 04:17:39 PM
Promising... How far over 5/24? Applied in branch via CPC banker?
Not so far over (maybe 7/24). Applied online, instant $20k approval. $100k reported income, $25k previous credit exposure across 5 Chase cards (all opened past 12 months).


For the record, I told this guy to wait for Dan's link.   (Not that I'm anyone to talk; I applied last week.)
Title: Re: Chase Sapphire Reserve
Post by: sddd on August 22, 2016, 04:18:58 PM
can i apply for preferred AND reserve at the same time
or am i pushing my luck? :)
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 04:20:00 PM
can i apply for preferred AND reserve at the same time
or am i pushing my luck? :)
What's there to lose ?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 04:21:15 PM
(Not that I'm anyone to talk; I applied last week.)
AFAIK last week 5/24 didn't matter.
Title: Re: Chase Sapphire Reserve
Post by: duvz on August 22, 2016, 04:26:39 PM
I only applied to this card, got hit by the 5/24 rule, HUCA'd twice and no go...sadly, there are no Chase branches in Pittsburgh. Oy gevalt, I'm SOL on this one!
Title: Re: Chase Sapphire Reserve
Post by: fresar on August 22, 2016, 04:27:21 PM
should I do a 3BM, or its not worth the gamble
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 04:36:01 PM
What's there to lose ?
a credit pull.
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 04:37:03 PM
a credit pull.
If he's already applying for 2 other cards, its not a waste of a pull since there's no additional pull (assuming they're all personal cards).
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 04:38:49 PM
I don't understand why ppl are applying when they're over 5/24, we didn't hear of any approvals besides CPC
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 04:40:26 PM
I don't understand why ppl are applying when they're over 5/24, we didn't hear of any approvals besides CPC
not true.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 22, 2016, 04:41:12 PM
Approved instantly in branch with CPC for $34k credit line. Definitely over 5/24.
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 04:42:23 PM
If he's already applying for 2 other cards, its not a waste of a pull since there's no additional pull (assuming they're all personal cards).
is that always the case or is it just hope that if you do at the same time it will only take one pull?
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 22, 2016, 04:43:19 PM
Approved instantly in branch with CPC for $34k credit line. Definitely over 5/24.
over 250K?
or you got CPC a different way?
Title: Re: Chase Sapphire Reserve
Post by: sruly on August 22, 2016, 04:43:35 PM
I only applied to this card, got hit by the 5/24 rule, HUCA'd twice and no go...sadly, there are no Chase branches in Pittsburgh. Oy gevalt, I'm SOL on this one!
Took me quite a few more than 2 calls to have them overturn 5/24 denials.

Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 04:43:59 PM
Reports of people who were pre approved  in branch getting declined. Can't imagine  how  that  works .
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 04:44:56 PM
is that always the case or is it just hope that if you do at the same time it will only take one pull?
I'm pretty sure with Chase its always the case, if not I believe you can get the one of them removed on your CR (CMIIW).
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 04:46:25 PM
I'm pretty sure with Chase its always the case, if not I believe you can get the one of them removed on your CR (CMIIW).
sorry... but what does "CMIIW" stand for? (im new here)
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 04:46:28 PM
Took me quite a few more than 2 calls to have them overturn 5/24 denials.

and how did you by the end?
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 04:48:54 PM
sorry... but what does "CMIIW" stand for? (im new here)
Correct Me If I'm Wrong
See here (http://forums.dansdeals.com/index.php?topic=10531.0) for more common DDF acronyms.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 04:49:18 PM
sorry... but what does "CMIIW" stand for? (im new here)
Correct me if I'm wrong
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 04:55:26 PM
Took me quite a few more than 2 calls to have them overturn 5/24 denials.

Were you successful?
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 04:55:38 PM
Correct me if I'm wrong
Something told me I should have just waited for you to say it.

I'll be honest I'll a little surprised you didn't point OnTheGo to the acronyms thread too.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 22, 2016, 04:56:06 PM
over 250K?
or you got CPC a different way?
Different way
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 22, 2016, 05:04:56 PM
Waiting patiently for the LINK :)
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 05:09:43 PM
They're still saying EoD, will keep y'all posted and appreciate your support.
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 22, 2016, 05:13:16 PM
The Card is listed on Chase site already! With the 100,000 bonus on the site. (But still waiting ;))
Title: Re: Chase Sapphire Reserve
Post by: SearchGuy on August 22, 2016, 05:13:55 PM
Approved instantly in branch with CPC for $34k credit line. Definitely over 5/24.
Pre approved?
Title: Re: Chase Sapphire Reserve
Post by: OnTheGo on August 22, 2016, 05:19:49 PM
The Card is listed on Chase site already! With the 100,000 bonus on the site. (But still waiting ;))
dont see it on chase.com.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 05:19:56 PM
Took me quite a few more than 2 calls to have them overturn 5/24 denials.
You had 5/25 denial overturned?
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 22, 2016, 05:25:44 PM
Pre approved?
Don't think so
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 22, 2016, 05:27:18 PM
so no one here besides me is waiting for Dans Link.....
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 22, 2016, 05:27:48 PM
Didn't wait because wouldn't have been approved anyway because of 5/24
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:28:56 PM
Was with my wife approved although both wayyyy over 5/24. Probably helps that I'm Chase Private Client. I applied in branch (was informed that I was pre-approved), and my wife applied online. Hers was instant approval and mine was pending, although my banker got me approved pretty quickly- not sure what he did...
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 05:29:25 PM
Didn't wait because wouldn't have been approved anyway because of 5/24

anyway over 5/24 so in case he makes anything my denial can wait
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 22, 2016, 05:29:49 PM
In Branch is a different ballgame
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:30:42 PM
I only applied to this card, got hit by the 5/24 rule, HUCA'd twice and no go...sadly, there are no Chase branches in Pittsburgh. Oy gevalt, I'm SOL on this one!
No chase branches in P'burgh??? Whoa
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 22, 2016, 05:31:08 PM
No chase branches in P'burgh??? Whoa
Road Trip....
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:31:08 PM
so no one here besides me is waiting for Dans Link.....
Just chapped. Now I feel bad...
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:31:53 PM
What's there to lose ?
+1000
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:33:20 PM
A banker can make anyone CPC.
All about relationships.
So true. Not near 250k but my wife & I both CPC somehow... Not even sure how it happened, but I guess a banker along the way liked us.
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 05:34:17 PM
So true. Not near 250k but my wife & I both CPC somehow... Not even sure how it happened, but I guess a banker along the way liked us.

You didn't even ask for it?
Title: Chase Sapphire Reserve
Post by: Davidp on August 22, 2016, 05:35:03 PM
You didn't even ask for it?
Nope! Never even mentioned it to any banker, but apparently I even have a designated banker at my home branch.
Title: Re: Chase Sapphire Reserve
Post by: E-MAN on August 22, 2016, 05:35:32 PM
Tell them you're thinking of opening an investment account or transferring in more funds and ask if they can assign you a Chase Private Client banker
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 05:35:52 PM
anyway to get in bank pre-approval?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 22, 2016, 05:35:56 PM
Everyone keeps talking about CPC. I've searched around but it seems you need at least 250k for an invite or to be enrolled.

Any other info? I'd love to have one more try since im over 5/24 and was declined.

over 250K?
or you got CPC a different way?
Any CPC relationship banker can give you it, if they really value your relationship. (IIrc when I got it, the screen prompted the banker to check for at least $100k, but they overrode that).

Besides that, anyone with CPC can give their immediate family CPC by becoming a joint account holder with them on 1 account (the free CPC deposit box is a easy choice), then all their accounts become CPC.
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 05:37:16 PM
Any CPC relationship banker can give you it, if they really value your relationship. (IIrc when I got it, the screen prompted the banker to check for at least $100k, but they can override that).

Besides that, anyone with CPC can give their immediate family CPC by becoming a joint account holder with them on 1 account (the free CPC deposit box is a easy choice), then all their accounts become CPC.

can we start pm'ing you to bee added as a CPC just for 20 minutes??? lol
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 05:38:21 PM
If you have CPC you get approved online right away or only in branch?
Title: Re: Chase Sapphire Reserve
Post by: Luvtotravel on August 22, 2016, 05:46:32 PM
whats eod?  :-\ (still waiting for dans link)
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 22, 2016, 05:47:03 PM
whats eod?  :-\ (still waiting for dans link)

End Of Day
Title: Re: Chase Sapphire Reserve
Post by: Gus on August 22, 2016, 05:49:57 PM
so no one here besides me is waiting for Dans Link.....

I'm waiting it out.  No rush really since I'm under 5/24 (now I've just revealed myself to be an amatuer).  Planning to cancel my CSP to recoup the $95 AF and milk this one for at least two $300 credits.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 05:54:03 PM
I am (x6) waiting also.
Title: Re: Chase Sapphire Reserve
Post by: yandmk on August 22, 2016, 06:01:29 PM
dont see it on chase.com.
It's clearly there
Title: Re: Chase Sapphire Reserve
Post by: Luvtotravel on August 22, 2016, 06:01:59 PM
isnt it worth it to wait to apply for this in december so as to recoup the af after using travel credit? whats the rush?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 22, 2016, 06:03:43 PM
isnt it worth it to wait to apply for this in december so as to recoup the af after using travel credit? whats the rush?
100k most likely will not be around in Dec.
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 06:23:42 PM
EOD has never been longer
Title: Re: Chase Sapphire Reserve
Post by: gavhaller on August 22, 2016, 06:29:02 PM
Would a CPC relationship help with denial over 5/24?
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 22, 2016, 06:53:29 PM
Wife got pending . She called and the rep said she can be approved for up to 22k credit line but that she would have to transfer  credit line from other cards of at least $10k. Turns out she can't be approved at all unless she transfers  credit  from other cards so she did transfer but the rep said even though new address was updated online it is new and I have to go to a branch to verify with my id and they will send it back and then I should call. Went to a branch and the banker had zero clue what to do and I spent at least an hour at the branch. Banker has to wait like 30 mins on phone to get an agent just like us. My wife has only 3 inquiries total including mortgage in last 24 month. I can't apply for  at least few months because I have no idea to meet the spend limit in 3 months while she has to meet the spend req. Used to be easy at target and Walmart and I think all almost dead unless I pay some bills with 3% fee? Sad time. She also applies and got the Hilton no fee card. Pls tell me the updates on MS. I have an autistic child to look after and it is not that easy .
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 22, 2016, 06:56:27 PM
Wife got pending . She called and the rep said she can be approved for up to 22k credit line but that she would have to transfer  credit line from other cards of at least $10k. Turns out she can't be approved at all unless she transfers  credit  from other cards so she did transfer but the rep said even though new address was updated online it is new and I have to go to a branch to verify with my id and they will send it back and then I should call. Went to a branch and the banker had zero clue what to do and I spent at least an hour at the branch. Banker has to wait like 30 mins on phone to get an agent just like us. My wife has only 3 inquiries total including mortgage in last 24 month. I can't apply for  at least few months because I have no idea to meet the spend limit in 3 months while she has to meet the spend req. Used to be easy at  cvs ,target and Walmart  with easy to liquidate. No more now.I think all almost dead unless I pay some bills with 3% fee? Sad time. She also applies and got the Hilton no fee card. Pls tell me the updates on MS. I have an autistic child to look after and it is not that easy .
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 22, 2016, 06:58:20 PM
Link is on creditcards.com for about an hour already.
Title: Re: Chase Sapphire Reserve
Post by: PETERP on August 22, 2016, 06:58:43 PM
so no one here besides me is waiting for Dans Link.....

I am !
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 07:01:22 PM
Live:
http://www.dansdeals.com/creditcards-com

Thanks all and best of luck :)
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 07:06:14 PM
Recon is closed.

It might be worth to wait for tomorrow
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 22, 2016, 07:13:23 PM
If i was pre-approved in the branch for the Reserve and I got the card, did they run my credit? Asking because I want to know whether I might as well apply for the Hyatt or IHG cards also today
Title: Re: Chase Sapphire Reserve
Post by: ExGingi on August 22, 2016, 07:14:09 PM
Live:
http://www.dansdeals.com/creditcards-com

Thanks all and best of luck :)
Anyone getting this card on Card Match?
Title: Re: Chase Sapphire Reserve
Post by: Luvtotravel on August 22, 2016, 07:26:53 PM
Two pendings. what are the chances of instant approval?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 07:27:57 PM
If he is loyal to DDF members then he will. Loyalty is a two way street.  :)
DDF got it 12 minutes earlier. Loyal enough, no ?
Title: Re: Chase Sapphire Reserve
Post by: elit on August 22, 2016, 07:28:17 PM
Ddf got 12 minutes
Title: Re: Chase Sapphire Reserve
Post by: deltastubs on August 22, 2016, 07:38:10 PM
is calling jp morgan and ask for preapprovals the same as in a local bank?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 22, 2016, 07:44:46 PM
Two pendings. what are the chances of instant approval?
0%.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 22, 2016, 07:45:03 PM
If i was pre-approved in the branch for the Reserve and I got the card, did they run my credit? Asking because I want to know whether I might as well apply for the Hyatt or IHG cards also today
Yes, they pulled your credit.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 22, 2016, 07:48:00 PM
Approved instantly in branch with CPC for $34k credit line. Definitely over 5/24.
Good stuff. Now I gotta see if CPC are getting approved online, or if I have to go to branch.
If i was pre-approved in the branch for the Reserve and I got the card, did they run my credit? Asking because I want to know whether I might as well apply for the Hyatt or IHG cards also today
Of course.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 22, 2016, 07:51:44 PM
Good stuff. Now I gotta see if CPC are getting approved online, or if I have to go to branch.
Do CPC normally get approved online if over 5/24?
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 22, 2016, 08:03:16 PM
Yes, they pulled your credit.

Thanks, that's what I assumed, just wanted to confirm. And if I get denied for the IHG or Hyatt, it won't affect anything since they already pulled my credit for today?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 22, 2016, 08:03:59 PM
Thanks, that's what I assumed, just wanted to confirm. And if I get denied for the IHG or Hyatt, it won't affect anything since they already pulled my credit for today?
correct.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 08:05:48 PM
correct.
-1

New account on your credit report
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 08:06:31 PM


-1

New account on your credit report



if I get denied

Title: Re: Chase Sapphire Reserve
Post by: mimb on August 22, 2016, 08:07:46 PM


I don't understand your comment. You are saying it will affect my credit score if I get denied even though they already ran it once today?
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 08:12:56 PM
I asked this on the MS but I do :-n't see the question anymore,  maybe it's a stupid question?  :-\

After getting the points will I be able to downgrade the card to a chase freedom?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 22, 2016, 08:13:14 PM
I don't understand your comment. You are saying it will affect my credit score if I get denied even though they already ran it once today?
No effect if you get denied, will be a new account on report if you're approved.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 08:21:24 PM
Recon is closed.

It might be worth to wait for tomorrow
False.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 08:27:06 PM
False.
A couple of months back they closed at 5pm. I guess that was temporary
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 08:31:36 PM
A couple of months back they closed at 5pm. I guess that was temporary
false for tomorrow?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 08:32:43 PM
#LongestReconCallEver
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 08:33:50 PM
#LongestReconCallEver
And??
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 08:40:15 PM
And after 90 minutes, approved!
#CPCFTW
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 08:43:12 PM
And after 90 minutes, approved!
#CPCFTW
Nice. Want to open a Safety deposit box with me? :)

You applied online?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 08:43:23 PM
And after 90 minutes, approved!
#CPCFTW
90 minutes? Ouch! I'm certainly not calling today.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 08:43:34 PM
Nice. Want to open a Safety deposit box with me? :)

You applied online?
Lol.
Yes, via the DD link.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 22, 2016, 08:44:02 PM
90 minutes? Ouch! I'm certainly not calling today.
Hold time was about 20 minutes. Rest was an interrogation.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 08:44:07 PM
Nice. Want to open a Safety deposit box with me? :)

You applied online?
No. He applied in branch, and threw away the money he makes off the affiliate links.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 22, 2016, 08:45:12 PM
Hold time was about 20 minutes. Rest was an interrogation.
What did they ask you, and you say? Not sure what there is to talk about for over an hour...
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 08:45:17 PM
No. He applied in branch, and threw away the money he makes off the affiliate links.
Huh? What does links have to do with his personal app?
Title: Re: Chase Sapphire Reserve
Post by: Na Nach on August 22, 2016, 08:47:10 PM
chase.applicationreceipt <no-reply@alertsp.chase.com>
8:28 PM (10 minutes ago)

to me

Chase Logo   

Congratulations! We've approved your request for a Chase credit card.

We'll send your new card and account information in the mail within the next 2 weeks.

Once your card arrives, visit us at chase.com/verifycard to tell us you received it and to start taking advantage of everything your card has to offer.

Thank you for choosing Chase. We look forward to serving you.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 08:47:35 PM
And after 90 minutes, approved!
Wow
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 22, 2016, 08:49:08 PM
So what's the going rate for safety deposit boxes? :P
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 08:50:00 PM
Yes, via the DD link.
No. He applied in branch, and threw away the money he makes off the affiliate links.

I was under the impression that CPC only helps in branch so I thought maybe Dan just applied in branch just to maximize chances for success (although I guess he would never admit that here  ::)).
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 08:53:57 PM
Dan where did you call??
Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 22, 2016, 08:59:24 PM
approved way over 5/24. original decline due to being blacklisted because of transfering points. many hours on hold. bottom line approved with transfering credit. the key is to be micaven ein oid melvadi!
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 22, 2016, 09:02:19 PM
the key is to be micaven ein oid melvadi!
dont let this get out to the bloggers!
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 22, 2016, 09:38:10 PM
How long does it take to  get  email confirmation  of approval  after getting approved through  recon?
Title: Re: Chase Sapphire Reserve
Post by: sillypainter on August 22, 2016, 10:21:12 PM
dont let this get out to the bloggers!

I'm sure the Google servers are working overtime to catch the secret recipe. :-)
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 22, 2016, 10:31:51 PM
So Dan how did I get it?
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 22, 2016, 10:32:29 PM
Call recon, put the phone on speaker, approx 1.10 hours later they told me nothing they can do due to 5/24. He even listed all the cc and differentiated  between AU and mine. The ones he listed didn't sound like my business cards only personal. End of September sounds like i will be only 4/24 and he wouldn't budge "Its automatic there is nothing I can do......(silence) so is there anything else I can do for you"?
Title: Re: Chase Sapphire Reserve
Post by: bermo on August 22, 2016, 10:34:24 PM
Live:
http://www.dansdeals.com/creditcards-com

Thanks all and best of luck :)
DW was instantly approved. ☺
Was under 5/24
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 10:48:27 PM
does it cost to add an additional card for my wife?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 22, 2016, 10:52:09 PM
does it cost to add an additional card for my wife?
$75
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 10:52:24 PM
$75
thanks!
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 10:59:15 PM
is the reconsideration office open now? whats the number?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 22, 2016, 11:16:06 PM
is the reconsideration office open now? whats the number?
Here are the numbers I have but don't want to wait 10 mins per number at this moment:

888-270-2127   
888-245-0625
888-609-7805
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 11:18:01 PM
Here are the numbers I have but don't want to wait 10 mins per number at this moment:

888-270-2127   
888-245-0625
888-609-7805

telling me right away the office is closed
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 22, 2016, 11:23:11 PM
i got a pending, should i call now the reconsideration department, or i shouldn't even bother because they wont approve it now?
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 22, 2016, 11:24:15 PM
telling me right away the office is closed
IIRC the last time I needed recon they closed at 11pm eastern.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 22, 2016, 11:26:38 PM
Got too many cards for CSR denial, then applied for Ritz and got instantly approved
Title: Re: Chase Sapphire Reserve
Post by: sruly on August 22, 2016, 11:31:14 PM
Call recon, put the phone on speaker, approx 1.10 hours later they told me nothing they can do due to 5/24. He even listed all the cc and differentiated  between AU and mine. The ones he listed didn't sound like my business cards only personal. End of September sounds like i will be only 4/24 and he wouldn't budge "Its automatic there is nothing I can do......(silence) so is there anything else I can do for you"?
call back in 29 days and have them reconsider.
Title: Re: Chase Sapphire Reserve
Post by: jedderai on August 23, 2016, 12:04:49 AM
Is there a known difference with the wait 30 day and wait 7-10 day response?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 12:31:55 AM
DDF got it 12 minutes earlier. Loyal enough, no ?
Each member can decide that.  :)
Will apply in the morning if I have time.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on August 23, 2016, 01:33:07 AM
Hold time was about 20 minutes. Rest was an interrogation.
WOW. I don't know how you manage that phone call, but kudos to you. Wish I was that good with chase recon reps.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 23, 2016, 02:20:02 AM
what's the ways to  MS $10k to meet spend req? prepay mortgage on plastiq with 2.5% fee? Can you send  to yourself or another family member with that fee with plastiq? Any simplier ways besides walmart visits?
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 23, 2016, 02:28:19 AM
what's the ways to  MS $10k to meet spend req? prepay mortgage on plastiq with 2.5% fee? Can you send  to yourself or another family member with that fee with plastiq? Any simplier ways besides walmart visits?
10 k spend req?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 02:29:11 AM
what's the ways to  MS $10k to meet spend req?
It's only 4k spend. 10k is the minimum credit limit to get approved.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 23, 2016, 02:34:11 AM
It's only 4k spend. 10k is the minimum credit limit to get approved.
have other cards too.

pay my wife $10k on plastiq for 2.5% fee? So that way it will be easy to pay those card bill after she deposits the $10k and pays my card bill?
We live at same address though and wonder if it will work.

I have no time for walmart loading thing any more.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 04:29:24 AM
I'm 12/24 and applied in branch and got declined for 5/24. I was told this can't be reconsidered. I have over $100k with Chase and pretty high income. If I can get a banker to sign me up for CPC, will the banker be able to have recon bring up my app again and approve me?
Title: Re: Chase Sapphire Reserve
Post by: jomaster28 on August 23, 2016, 07:25:21 AM
The 5/24 rule is only for Chase cards or all credit cards? I opened an SPG Business card and the United mileage card and the JetBlue card. Does those three count? The others I opened for sure count to the 5/24.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 07:39:20 AM
The 5/24 rule is only for Chase cards or all credit cards? I opened an SPG Business card and the United mileage card and the JetBlue card. Does those three count? The others I opened for sure count to the 5/24.
All cards that show on the CR that they pull count.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 07:41:35 AM
The 5/24 rule is only for Chase cards or all credit cards? I opened an SPG Business card and the United mileage card and the JetBlue card. Does those three count? The others I opened for sure count to the 5/24.
All cards,

According to some reports Amex biz cards that don't show up on your CR don't count.
Title: Re: Chase Sapphire Reserve
Post by: bornsub on August 23, 2016, 07:47:05 AM
Is the consensus that if you are a legit CPC ($250,000 +) you'll be able to get this card even if you're way over 5/24 through your private banker in branch?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 07:50:59 AM
Is the consensus that if you are a legit CPC ($250,000 +) you'll be able to get this card even if you're way over 5/24 through your private banker in branch?
Read the success stories
Title: Re: Chase Sapphire Reserve
Post by: bornsub on August 23, 2016, 07:56:05 AM
I've seen someone with $100k with Chase get denied....

Not sure I've seen many success stories -- but I haven't read the whole thread.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 07:58:21 AM
I've seen someone with $100k with Chase get denied....

Not sure I've seen many success stories -- but I haven't read the whole thread.
All success stories over 5/24 are through CPC. But doesn't necessarily need to be with $250k.
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 23, 2016, 07:59:45 AM
Hold time was about 20 minutes. Rest was an interrogation.
Dan,
Held off and got approved via your link :) Also sent around your post to a bunch of my coworkers. I am officially the go to deals guy at work LOL. A bunch signed up using your link.
Title: Re: Chase Sapphire Reserve
Post by: bornsub on August 23, 2016, 08:02:46 AM
Dan,
Held off and got approved via your link :) Also sent around your post to a bunch of my coworkers. I am officially the go to deals guy at work LOL. A bunch signed up using your link.

Any significant number of datapoints for rejections through CPC?

I'm trying to figure out what NOT to say as I am a new CPC client as of a few weeks ago and don't want to appear to be a bonus whore....
Title: Re: Chase Sapphire Reserve
Post by: rochk123 on August 23, 2016, 08:14:13 AM
Is it worth it to upgrade t ao Chase Sapphire Reserve from a Chase United Mileage Explorer Card?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 08:17:44 AM
Is it worth it to upgrade t ao Chase Sapphire Reserve from a Chase United Mileage Explorer Card?
Not possible
Title: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 08:29:53 AM
Good stuff. Now I gotta see if CPC are getting approved online, or if I have to go to branch. Of course.
CPC are definitely getting approved online. My wife is CPC and was way over 5/24 and got instantly approved online.
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 08:35:10 AM
Is the consensus that if you are a legit CPC ($250,000 +) you'll be able to get this card even if you're way over 5/24 through your private banker in branch?
There is no consensus.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 08:44:12 AM
Was with my wife approved although both wayyyy over 5/24. Probably helps that I'm Chase Private Client. I applied in branch (was informed that I was pre-approved), and my wife applied online. Hers was instant approval and mine was pending, although my banker got me approved pretty quickly- not sure what he did...

And after 90 minutes, approved!
#CPCFTW

approved way over 5/24. original decline due to being blacklisted because of transfering points. many hours on hold. bottom line approved with transfering credit. the key is to be micaven ein oid melvadi!
Great data points.
@Dan what was main argument for approval? And from your brief post it sounds like you pushed CPC pretty hard. Is that true?
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 23, 2016, 09:03:29 AM
1) I have am 6/24 in Aug which drops to 4/24 by end of the month. Is 5/24 considered on a month to month basis or from the date the credit is pulled?
2) I have no chase checking but I am pre-approved at the branch and apply through the banker and get denied can I call recon by myself later?
3) If I am not pre-approved at the bank which option is better to get the approval at the bank or online ?
Title: Re: Chase Sapphire Reserve
Post by: rochk123 on August 23, 2016, 09:04:50 AM
Not possible

That's what they told me when I asked them. Question is why not?
Title: Re: Chase Sapphire Reserve
Post by: jedderai on August 23, 2016, 09:08:06 AM
Is there such thing as 4/24? Chase rep said after 4 cards I'm automatically turned down by the system.
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 23, 2016, 09:12:08 AM
Is there such thing as 4/24? Chase rep said after 4 cards I'm automatically turned down by the system.

after 4 cards means its 5/24.. 5 or higher number of cards..
Title: Re: Chase Sapphire Reserve
Post by: Dovy365 on August 23, 2016, 09:12:19 AM
When applying for CSR, is there any point in NOT 2 or 3bm'ing?

TIA
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 23, 2016, 09:15:23 AM
That's what they told me when I asked them. Question is why not?

coz I is a united card and the other is a chase own card type.. so probably you cant move between 2 brands or different types.. upgrade can only happen within the same brand I guess..
Title: Re: Chase Sapphire Reserve
Post by: bornsub on August 23, 2016, 09:17:02 AM
Great data points.
@Dan what was main argument for approval? And from your brief post it sounds like you pushed CPC pretty hard. Is that true?

Yep - would love to know this - especially for those egregiously over 5/24!
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 09:21:09 AM
Yep - would love to know this - especially for those egregiously over 5/24!
I feel like Dan def fits that description. I'd bet at this point even Rafi does
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 23, 2016, 09:24:08 AM
its a long shot, but does having a mortgage with chase get you anywhere?
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on August 23, 2016, 09:27:46 AM
Applied this morning and got a pending application. Called the recon line and had to explain the number of cards I opened recently (under 5/24) and move around some of my credit, it went to verification and they recommended it for approval, is there any real chance that it may still be declined now?

Does anyone know if the TSA precheck/Global entry credit can be used for a Nexus application?
Do we have any update on if one can bring guests into the lounges with this card?

Title: Re: Chase Sapphire Reserve
Post by: bornsub on August 23, 2016, 09:27:56 AM
I bet you it doesn't hurt....

I would be curious how much have an investment account with CPC/JPM would help -- even if it's dormant "for now..."
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 23, 2016, 09:30:23 AM
Applied this morning and got a pending application. Called the recon line and had to explain the number of cards I opened recently (under 5/24) and move around some of my credit, it went to verification and they recommended it for approval, is there any real chance that it may still be declined now?

Does anyone know if the TSA precheck/Global entry credit can be used for a Nexus application?
Do we have any update on if one can bring guests into the lounges with this card?
sorry but you  can  still be  declined. Sounds like it'll  work  out  tho. Let us know what happens .
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on August 23, 2016, 09:33:17 AM
I'll keep you updated. Is it worth calling the recon line again now or just wait it out?
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 09:41:10 AM
DP for those going for it and not getting approved.
Friend  over 5/24 went for it and was declined. He decided not to waste pull. Got instant for Ritz/Hyatt and pending on ihg
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 09:41:54 AM
Wife just got approved. Way over 5/24, CPC with an offer on her account.
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 23, 2016, 09:42:47 AM
Wife just got approved. Way over 5/24, CPC with an offer on her account.
how do you guys all get CPC without the 250K+?
how do you all befriend bankers?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 09:45:24 AM
how do you guys all get CPC without the 250K+?
how do you all befriend bankers?

What makes you think I don't have 250k+???  ;)
But yeah, you're right. Have a relative that is CPC. Maintain a joint account with just $70.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 09:51:22 AM
how do you guys all get CPC without the 250K+?
how do you all befriend bankers?
Any CPC relationship banker can give you it, if they really value your relationship. (IIrc when I got it, the screen prompted the banker to check for at least $100k, but they overrode that).

Besides that, anyone with CPC can give their immediate family CPC by becoming a joint account holder with them on 1 account (the free CPC deposit box is a easy choice), then all their accounts become CPC.
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 23, 2016, 09:54:39 AM
just a thought.. everyone who is applying at 5/24 or near 5/24 (6/24, 7/24) and getting denied, then not to waste the pull you are getting 1-2 other cards like hyatt/ihg/etc.

So say in 6 months or a year when you might be below 5/24 and there is a good bonus going on for CSR or other chase card wont the extra hyatt/ihg cards that you got to save the pull prevent you from being under 5/24 at that point of time.
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 23, 2016, 09:56:35 AM
just a thought.. everyone who is applying at 5/24 or near 5/24 (6/24, 7/24) and getting denied, then not to waste the pull you are getting 1-2 other cards like hyatt/ihg/etc.

So say in 6 months or a year when you might be below 5/24 and there is a good bonus going on for CSR or other chase card wont the extra hyatt/ihg cards that you got to save the pull prevent you from being under 5/24 at that point of time.
im pretty sure most people doing that are far over 5/24 and the Hyatt card would not have made a difference
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 23, 2016, 09:57:08 AM
DoC says that pre-approval in branch seems to override 5/24: http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/ (http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/)
Any DPs on this here?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 23, 2016, 10:00:24 AM
DoC says that pre-approval in branch seems to override 5/24: http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/ (http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/)
Any DPs on this here?

Sometimes. Not always.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 10:05:15 AM
DoC says that pre-approval in branch seems to override 5/24: http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/ (http://www.doctorofcredit.com/524-apply-chase-sapphire-reserve-branch/)
Any DPs on this here?

Just posted above that my SO got approved with pre-approved offer despite being over 5/24
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 23, 2016, 10:06:10 AM
Just posted above that my SO got approved with pre-approved offer despite being over 5/24
Any way I can get pre-approval offers for DW without  bothering her
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 10:08:36 AM
Does anyone know if the TSA precheck/Global entry credit can be used for a Nexus application?

Presumably the answer is no. On all other cards that offer a GE credit you can't use the credit for NEXUS.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 23, 2016, 10:09:07 AM
DOC is not good enough for you?
Just posted above that my SO got approved with pre-approved offer despite being over 5/24
What I meant to ask is whether this is absolute. So this is very helpful:
Sometimes. Not always.
Thanks.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 10:09:41 AM

Presumably the answer is no. On all other cards that offer a GE credit you can't use the credit for NEXUS.
Really? I've heard reports of the opposite
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 10:11:02 AM
Really? I've heard reports of the opposite
People got an automatic credit for NEXUS?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 10:12:15 AM
Dan posted on the DDMS that he got Nexus refund with an AMEX plat card after chatting with an agent.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 10:12:55 AM
People got an automatic credit for NEXUS?
That's what I saw (iirc they might need to do 2 apps because Nexus is $50 not $100 )
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 10:14:22 AM
Sometimes. Not always.
Are there pre approved people being declined for 5/ 24 or could it be a different denial reason?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 23, 2016, 10:15:28 AM
Are there pre approved people being declined for 5/ 24 or could it be a different denial reason?

Yes, there are pre-approvals that ended up in denial for 5/24.
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 23, 2016, 10:15:57 AM
Does checking for pre-approval  (in branch) create a credit pull, or only the actual app does that?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 10:16:50 AM
Does checking for pre-approval  (in branch) create a credit pull, or only the actual app does that?

Actual app
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 23, 2016, 10:17:09 AM
Thanks.
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 23, 2016, 10:17:28 AM
Okay, way to many posts to go through while Im on vacation....

Appreciate if anyone can clarify...

Is the 5/24 rule built-in online not to get instant approvals? Or if anyone has good credit with not too many recent inquiries he can get approved instantly?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 10:20:30 AM
Okay, way to many posts to go through while Im on vacation....

Appreciate if anyone can clarify...

Is the 5/24 rule built-in online not to get instant approvals? Or if anyone has good credit with not too many recent inquiries he can get approved instantly?
Built in.  There are no DP of anyone bypassing 5/24 without CPC
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 10:24:16 AM
There are no DP of anyone bypassing 5/24 without CPC
-1.
Title: Re: Chase Sapphire Reserve
Post by: ShlockDoc on August 23, 2016, 10:24:54 AM
There are no DP of anyone bypassing 5/24 without CPC

I don't think this is true...
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on August 23, 2016, 10:25:02 AM
That's what I saw (iirc they might need to do 2 apps because Nexus is $50 not $100 )

Thanks for the feedback, Ill give it a try later and see what happens. I would be doing an application for 3 people total anyways so that would be over $100.
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 23, 2016, 10:25:30 AM
Built in.  There are no DP of anyone bypassing 5/24 without CPC

-1
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 23, 2016, 10:25:34 AM
-1.
So trying online to get instant approval does work? 5/24 is only for recon?
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 23, 2016, 10:30:44 AM
When people say  pre approved  do they mean pre qualified ? How can a pre approval get denied?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 10:37:19 AM
-1
Poidh
-1.
Poidh
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 23, 2016, 10:38:20 AM
PoidhPoidh

If you look across the world wide web, there are data points left and right.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 10:40:16 AM
If you look across the world wide web, there are data points left and right.
You believe everything you read on the internet?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 23, 2016, 10:41:26 AM
You believe everything you see on the internet?

Lol. According to that logic there is no way to prove you wrong.

Also, I don't believe everything I read and yet there are some compelling data points proving you wrong.

Believe as you wish.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 10:48:00 AM
You believe everything you read on the internet?
No but I believe certain individuals I deal with.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 10:52:15 AM
No but I believe certain individuals I deal with.
Great.  So you actually have someone that beat 5/24 that you believe? That would be a good dp
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 23, 2016, 10:52:46 AM
just got turn down spent 30 min on the phone they said I got 5 cards in the last 2 years . does this mean I have no chance getting the card .
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 10:54:52 AM
Great.  So you actually have someone that beat 5/24 that you believe? That would be a good dp
Yes.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 11:00:59 AM
Yes.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 11:02:54 AM

Don't get to excited as I know individuals that are very good talkers and were shot down.
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 23, 2016, 11:05:49 AM
Anyone care to share tips how they beat (or what to say to the recon) the 5/24? I am off by a bit more then a month and they wont budge. I have numerous large accounts with them and they wont budge. The local branch here in Monsey is horrible so no point in visiting them. I called a few times and they all same the same thing...."no way we can override this denial"
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 23, 2016, 11:11:07 AM
so if I am 5 month left till I can get the chase card should I not open any card ?

I never new that 5/24 includes not chase cards to ?
Title: Re: Chase Sapphire Reserve
Post by: sruly on August 23, 2016, 11:11:31 AM
Anyone care to share tips how they beat (or what to say to the recon) the 5/24? I am off by a bit more then a month and they wont budge. I have numerous large accounts with them and they wont budge. The local branch here in Monsey is horrible so no point in visiting them. I called a few times and they all same the same thing...."no way we can override this denial"
I gave you a tip up thread.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 11:12:12 AM
I never new that 5/24 includes not chase cards to ?
Sure does
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 11:12:45 AM
I applied in branch yesterday and got rejected for 12/24. The phone rep said that my application can't be reconsidered. Income $300K+, $100K+ invested with Chase (with my wife), pretty long history with Chase. I don't meet CPC requirements, but if somehow I become a CPC, will Chase then reconsider my rejected application?
Title: Re: Chase Sapphire Reserve
Post by: yuguy on August 23, 2016, 11:15:41 AM
I applied in branch yesterday and got rejected for 12/24. The phone rep said that my application can't be reconsidered. Income $300K+, $100K+ invested with Chase (with my wife), pretty long history with Chase. I don't meet CPC requirements, but if somehow I become a CPC, will Chase then reconsider my rejected application?

You'd probably need to reapply.
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 23, 2016, 11:18:25 AM
so if I get any credit card it will count with 5/24 can someone tell me what does not count ?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 23, 2016, 11:19:29 AM
so if I get any credit card it will count with 5/24 can someone tell me what does not count ?
Anything that doesn't show up on your credit report as opened in the past 24 months.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 11:19:44 AM
so if I get any credit card it will count with 5/24 can someone tell me what does not count ?
Everything on the credit report that they pull counts.
Title: Re: Chase Sapphire Reserve
Post by: ShlockDoc on August 23, 2016, 11:24:40 AM
Everything on the credit report that they pull counts.

I think just credit cards. IME they didn't count a mortgage. 
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 23, 2016, 11:25:03 AM
I gave you a tip up thread.
Yup, and a good one. However its a bit more then a month (end of September) and don't want to wait until then:(
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 11:25:34 AM
I think just credit cards. IME they didn't count a mortgage.
Correct. I was assuming and I shouldn't do that.  :-[
Title: Re: Chase Sapphire Reserve
Post by: sruly on August 23, 2016, 11:25:45 AM
Yup, and a good one. However its a bit more then a month (end of September) and don't want to wait until then:(
Its probably your best chance.
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 23, 2016, 11:25:51 AM
Everything on the credit report that they pull counts.

wow so I guess all of u guys did not got more than 5 cards in the lest 24 month ?

so I guess if I wont to get a chase card I have to wait 4 more month . and I should not apply for nothing ?

does this apply for Au to ?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 11:27:08 AM
wow so I guess all of u guys did not got more than 5 cards in the lest 24 month ?
Why would you have more than 4 WF's cards in 24 months? What am I missing?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 11:27:33 AM
wow so I guess all of u guys did not got more than 5 cards in the lest 24 month ?

so I guess if I wont to get a chase card I have to wait 4 more month . and I should not apply for nothing ?

does this apply for Au to ?
If it's on your report it counts
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 23, 2016, 11:32:47 AM
1) I have am 6/24 in Aug which drops to 4/24 by end of the month. Is 5/24 considered on a month to month basis or from the date the credit is pulled?
2) I have no chase checking but I am pre-approved at the branch and apply through the banker and get denied can I call recon by myself later?
3) If I am not pre-approved at the bank which option is better to get the approval at the bank or online ?

Bump..
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 23, 2016, 11:33:03 AM
Why would you have more than 4 WF's cards in 24 months? What am I missing?

whats WF
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 23, 2016, 11:37:05 AM
I have a 4.5k TRAVEL purchase today, if I get approved can I get the CC numbers over the phone or in the bank? Tia
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 11:42:32 AM
whats WF
Wells Fargo and it equals like a 1000 of these cards.  :)
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 12:01:12 PM
I got a Credit sesame alert for a TU inquiry yesterday (my CSR app). When I logged in, I only have 4 new accounts with TU pulls in the past 24 months, but Chase counted 12 new accounts. I do have a bunch of pulls under EXP. If Chase pulled TU, how could they see my other new accounts?
Title: Re: Chase Sapphire Reserve
Post by: ShlockDoc on August 23, 2016, 12:02:20 PM
Wells Fargo and it equals like a 1000 of these cards.  :)

Do you really want to open this Pandora's box?!? Shhhhh
Title: Re: Chase Sapphire Reserve
Post by: ShlockDoc on August 23, 2016, 12:03:17 PM
I got a Credit sesame alert for a TU inquiry yesterday (my CSR app). When I logged in, I only have 4 new accounts with TU pulls in the past 24 months, but Chase counted 12 new accounts. I do have a bunch of pulls under EXP. If Chase pulled TU, how could they see my other new accounts?
They don't look at pulls, they look at account open date.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 12:04:53 PM
They don't look at pulls, they look at account open date.

Yeah, but my CS only shows 4 "new accounts" under TU in the past 2 years, but many more under EXP. I would've thought Chase would see 4/24. I was under the impression that they can only see how many new accounts were opened from TU pulls.
Title: Re: Chase Sapphire Reserve
Post by: luckyluck on August 23, 2016, 12:08:12 PM
Live:
http://www.dansdeals.com/creditcards-com

Thanks all and best of luck :)

All your creditcards-com links stopped working

Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 12:09:29 PM
Do you really want to open this Pandora's box?!? Shhhhh
Just waking up the WhatsApp hit squad.  :)
Title: Re: Chase Sapphire Reserve
Post by: ShlockDoc on August 23, 2016, 12:10:12 PM
All your creditcards-com links stopped working

+1
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 12:10:41 PM
All your creditcards-com links stopped working
Working on it, thanks
Title: Re: Chase Sapphire Reserve
Post by: yakrot on August 23, 2016, 12:13:47 PM
Just waking up the WhatsApp hit squad.  :)
At this point is there still a reason not to discuss?
Title: Re: Chase Sapphire Reserve
Post by: aygart on August 23, 2016, 12:13:58 PM
(https://i.gyazo.com/3a18af77d42d4c630171f6901d49f07b.png)
Title: Re: Chase Sapphire Reserve
Post by: tziporaht on August 23, 2016, 12:15:42 PM
I have way over 5/24. I got the standard pending 7-10 days, called and was declined. I spoke to recon twice and asked them if I could shift some credit around. I have a great credit score and good history. They said there is nothing they could do. When I spoke to the third recon rep he asked why I am calling for the third time and asking the same questions because there is no way around this. (wonder why I never heard anyone saying the recon reps call them out on how many times they have called).

I asked him if there was a way to upgrade sapphire preferred to reserve. He said no-  that if I wasnt approved in the first place for reserve how can he change things. But then he offered to transfer me to customer service at Preferred, I spoke to their rep and she said no problem. They will prorate my AF that I already paid, and that they can not give me the bonus. There was also no way of somehow getting authorized users transferred and not paying for them.

I figured that there is no way that I am going to qualify for this card for a really long time and that although the bonus points are amazing I still get all of the other perks to offset the fee. I have no chase account so thought going to a bank wouldnt help-and I was not prepared to transfer a huge sum to perhaps get the card
Anyone else do this?
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 23, 2016, 12:16:42 PM
Instantly approved in bank 24k limit!
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 12:17:13 PM
Instantly approved in bank 24k limit!
5/24? CPC?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 12:18:40 PM
(https://i.gyazo.com/3a18af77d42d4c630171f6901d49f07b.png)
Working on it, thanks
Title: Re: Chase Sapphire Reserve
Post by: menachemmc on August 23, 2016, 12:22:39 PM
anyone know if purchases via MileagePlus X count for travel expenses to receive the $300 credit?

Thanks,
Title: Re: Chase Sapphire Reserve
Post by: Sowhat on August 23, 2016, 12:25:43 PM
Strictly from a rewards perspective for travel, is Barclays still a better deal at 2% or so?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 23, 2016, 12:27:13 PM
Strictly from a rewards perspective for travel, is Barclays still a better deal at 2% or so?
no
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 12:32:26 PM

Don't believe him, after all he's just a guy on the internet.

(Unless you know him in person)
Title: Re: Chase Sapphire Reserve
Post by: avadah on August 23, 2016, 12:35:59 PM
(wonder why I never heard anyone saying the recon reps call them out on how many times they have called).
chase recon thread is full of those reports 
Title: Re: Chase Sapphire Reserve
Post by: GUY436 on August 23, 2016, 12:36:17 PM
Anyone know how to reach the visa infinite concierge service that comes with the card?
Is it comparable to the concierge service that you get from the Amex Platinum?
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 23, 2016, 12:36:25 PM
Am holding off applying for this for few months until i finish spend req on wife's card.   Does sites like plastiq allow paying anyone  or sending a check to anyone with credit card for the 2.5% fee?      Don't have lot of money in bank for the mortgage prepayments or other big prepayment amounts. Wife is thinking  of sending a check with the card to be deposited to  my bank account to pay her card bill.
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 23, 2016, 12:53:54 PM
5/24? CPC?
Think this is the 5th, and no not yet... working on it!
Title: Re: Chase Sapphire Reserve
Post by: aygart on August 23, 2016, 01:17:23 PM
Working on it, thanks
Working again
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 23, 2016, 01:23:29 PM
Wells Fargo and it equals like a 1000 of these cards.  :)
You MS $35M in 6 months?

Do you mean equals or equaled?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 23, 2016, 01:28:15 PM
Any point in trying to apply with being way over 5/24 and not having CPC?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 23, 2016, 01:28:55 PM
Any point in trying to apply with being way over 5/24 and not having CPC?
Only if you have a backup to throw in.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 01:29:12 PM
I may just end up PCing another card to this. Since there's no 100k bonus, will the AF still apply the first year? If so, I assume I would still get the $300 travel credit?
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 23, 2016, 01:29:53 PM
Not cpc
Way over 5/24
Approved in branch
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 23, 2016, 01:30:42 PM
Only if you have a backup to throw in.

Available credit as backup? Can use from another card.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 01:30:53 PM
Not cpc
Way over 5/24
Approved in branch
Thats what everybody wants to hear.
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 23, 2016, 01:31:06 PM
Can you become CPC without 250k in account?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 23, 2016, 01:31:12 PM
I may just end up PCing another card to this. Since there's no 100k bonus, will the AF still apply the first year? If so, I assume I would still get the $300 travel credit?

There would be annual fee, and you would get $300.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 01:31:34 PM
Not cpc
Way over 5/24
Approved in branch

Do you have bank accounts with chase? Did you have a pre approved/qualified offer?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 01:32:00 PM
Can you become CPC without 250k in account?
possible
Title: Re: Chase Sapphire Reserve
Post by: dealfinder85 on August 23, 2016, 01:32:22 PM
Do you have bank accounts with chase? Did you have a pre approved/qualified offer?
Yes
Yes (asked in branch)
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 23, 2016, 01:32:29 PM
Available credit as backup? Can use from another card.
A backup card to throw in that you're actually interested and isn't subject to 5/24.
Title: Re: Chase Sapphire Reserve
Post by: yoshapman on August 23, 2016, 01:36:08 PM
Yes!!! I'm at 20-30/24 (not exactly sure but I avg. 3 every 3 months) and by no means do I have $250K for Chase, but I figured I might as well stop in a Manhattan branch and check if I was prequalified. She said I was, I was still skeptical, but lo and behold I got approved on the spot with a $34K Credit Limit. Credit score in the mid-to-upper 700's, this is my 5th card with Chase. Going to go for a 6th today since I already took the credit hit, maybe Hyatt or BA (wanted Ritz if I didn't get this one, but since I got it, too much minimum spend in 3 months since there are other cards i need to get today as well).

Wife was unfortunately not prequalified, but better 1 than none.
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 23, 2016, 01:39:57 PM
Yes (asked in branch)

Good to know, thanks.
Title: Re: Chase Sapphire Reserve
Post by: MoMD on August 23, 2016, 01:41:09 PM
Is the $450 refundable if I reach the bonus after three months like it is with the AMEX platinum?

I would only want the card for the 100k UR bonus and would love to recoup some of the annual fee.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 01:42:11 PM
Just posted above that my SO got approved with pre-approved offer despite being over 5/24
Cpc?
-1.

Not cpc
Way over 5/24
Approved in branch

Yes!!! I'm at 20-30/24 (not exactly sure but I avg. 3 every 3 months) and by no means do I have $250K for Chase, but I figured I might as well stop in a Manhattan branch and check if I was prequalified. She said I was, I was still skeptical, but lo and behold I got approved on the spot with a $34K Credit Limit. Credit score in the mid-to-upper 700's, this is my 5th card with Chase. Going to go for a 6th today since I already took the credit hit, maybe Hyatt or BA (wanted Ritz if I didn't get this one, but since I got it, too much minimum spend in 3 months since there are other cards i need to get today as well).

Wife was unfortunately not prequalified, but better 1 than none.
Winner winner chicken dinner
Title: Re: Chase Sapphire Reserve
Post by: meme on August 23, 2016, 01:52:04 PM
Is it possible to become CPC over the phone?
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 23, 2016, 01:52:50 PM
Going for 2nd Chase card today for combined pull. If I'm CPC, is it worth it to apply for United card or should I stick with non-5/24 cards?
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 23, 2016, 02:00:29 PM
Is it possible to become CPC over the phone?

No
Title: Re: Chase Sapphire Reserve
Post by: meme on August 23, 2016, 02:02:30 PM
What are other useful benefits of CPC?
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 23, 2016, 02:07:33 PM
" Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program."

sorry if this was posted or discussed before.

just came across the above and was wondering if that means if someone holds any card with the chase UR program-that they wont be eligible for this card?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 02:08:31 PM
" Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program."

sorry if this was posted or discussed before.

just came across the above and was wondering if that means if someone holds any card with the chase UR program-that they wont be eligible for this card?
Source?
Title: Re: Chase Sapphire Reserve
Post by: Osubucks17 on August 23, 2016, 02:17:44 PM
Per Chase agent, the card will take up to 2 weeks to arrive after being approved and they aren't offering expedited shipping becasue it is new. And the 3 month $4k spend period starts from when you are approved and the account is open so you will really have 3 months minus up to 2 weeks to complete the spend.
Title: Re: Chase Sapphire Reserve
Post by: Geshmak25 on August 23, 2016, 02:18:35 PM
Why is pre-approval only working in branch? Do they not have pre-approval online also?
Title: Chase Sapphire Reserve
Post by: mmgfarb on August 23, 2016, 02:22:09 PM
Why is pre-approval only working in branch? Do they not have pre-approval online also?
The pre-approval online is different than the one in branch. Even if you don't have any pre-approvals online, you still may have in branch.
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 23, 2016, 02:34:13 PM
Source?

terms and condtions from card

https://applynow.chase.com/FlexAppWeb/pricing.do?page_type=appterms&card=FL3S (https://applynow.chase.com/FlexAppWeb/pricing.do?page_type=appterms&card=FL3S)
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 23, 2016, 02:41:23 PM
No preapproval showing up in branch. Is there anything to do, to make it show up? Reduce my current credit limits?
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 23, 2016, 02:47:38 PM
Has anyone seen pre approval online for the reserve?
Title: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 02:50:52 PM
Not cpc
Way over 5/24
Approved in branch
Nice! One of the lucky few...
Title: Re: Chase Sapphire Reserve
Post by: duvz on August 23, 2016, 02:51:44 PM
Last 2 paragraphs of the terms and condtions from card

https://applynow.chase.com/FlexAppWeb/pricing.do?page_type=appterms&card=FL3S (https://applynow.chase.com/FlexAppWeb/pricing.do?page_type=appterms&card=FL3S)

FTFY.

Replying to this offer: If you omit any information on the form, we may deny your request for an account. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. You must have a valid permanent home address within the 50 United States or the District of Columbia. The information about the costs of the card described in this form is accurate as of 6/7/2016. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.

USA PATRIOT Act: Please note: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account such as your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents.

© 2016 JPMorgan Chase & Co.
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 23, 2016, 02:51:59 PM
Nice! One of the lucky few...

He was pre qualified in branch, lot of ppl got it this way
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 02:53:38 PM
He was pre qualified in branch, lot of ppl got it this way
Without CPC? Then why all the clamoring to wife's relatives aunts monkey to name them on a CPC account?
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 23, 2016, 02:54:33 PM
Without CPC? Then why all the clamoring to wife's relatives aunts monkey to name them on a CPC account?

Not everyone is pre qualified
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 02:54:42 PM
Without CPC? Then why all the clamoring to wife's relatives aunts monkey to name them on a CPC account?
Easier
What if you don't pre qualify?
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 02:55:38 PM
Easier
What if you don't pre qualify?
True... Even though I pre-qualified AND am CPC and still wasn't automatically approved.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 02:55:53 PM
No preapproval showing up in branch. Is there anything to do, to make it show up? Reduce my current credit limits?
The system usually does pre approvals in the beginning of the month AFAIK.
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 02:57:44 PM
The usually does pre approvals in the beginning of the month AFAIK.
Was wondering about this. What are the parameters for pre-qualification?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 03:01:48 PM
Was wondering about this. What are the parameters for pre-qualification?
The 10 million dollar question.
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 23, 2016, 03:02:59 PM
If got denied can I reapply the next day as CPC in branch or waste of time?
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 23, 2016, 03:04:17 PM
Easier
What if you don't pre qualify?

I didn't hear of anyone that was approved over 5/24 without being CPC and NOT being pre qualified
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 03:05:03 PM


The 100,000 points question.

FTFY.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 03:05:13 PM
I didn't hear of anyone that was approved over 5/24 without being CPC and NOT being pre qualified
Exactly my point
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 03:17:01 PM
Exactly my point
According to Dan's, CM and Benjii there are reports all over the Internet of approvals despite not being CPC
Title: Re: Chase Sapphire Reserve
Post by: yitrap on August 23, 2016, 03:25:14 PM
According to Dan's, CM and Benjii there are reports all over the Internet of approvals despite not being CPC
Haven't seen anything from CM
Title: Re: Chase Sapphire Reserve
Post by: sb5917 on August 23, 2016, 03:29:54 PM
over 5/24 good relations with a cpc rep pre-qualified got approved in branch
Title: Re: Chase Sapphire Reserve
Post by: asks on August 23, 2016, 03:33:24 PM
over 5/24 good relations with a cpc rep pre-qualified got approved in branch
pre-qualified and CPC?
Title: Re: Chase Sapphire Reserve
Post by: ual902 on August 23, 2016, 03:43:11 PM
So I'm assuming if you have the Sapphire, you can get the reserve as it is a separate product?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 03:44:08 PM
So I'm assuming if you have the Sapphire, you can get the reserve as it is a separate product?
Correct.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 23, 2016, 03:44:27 PM
Yes. its a different product.
Title: Re: Chase Sapphire Reserve
Post by: sb5917 on August 23, 2016, 03:46:44 PM
pre-qualified and CPC?
pre-qualified. no CPC. but good relations with chase banker
Title: Re: Chase Sapphire Reserve
Post by: asks on August 23, 2016, 04:05:48 PM
pre-qualified. no CPC. but good relations with chase banker
Doesn't sound like the friendship is needed if you pre-qualify.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 04:08:20 PM
Doesn't sound like the friendship is needed if you pre-qualify.
+1, only if the friendship gets you CPC..
Title: Re: Chase Sapphire Reserve
Post by: PETERP on August 23, 2016, 04:30:45 PM
pre-qualified. no CPC. but good relations with chase banker

Great relations with chase banker and I denied
Becoming CPC and was denied 70k ink even
Though banker sent in form

Think I have a chance . I don't ?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 23, 2016, 04:54:55 PM
Anyone (with CPC) trying to open the identical JP Morgan Reserve instead of the CSR, hoping 5/24 wont apply at all?

https://www.chase.com/card-benefits/jpmreserve/travel

Same 100k bonus as well.

Can someone please ask their CPC banker if you can open both cards?
Edit: see below.

Edit: Removed link to competing site.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 05:11:16 PM
That's for Private Banking ($10MM++), not for Private Client.
Title: Re: Chase Sapphire Reserve
Post by: TAVI on August 23, 2016, 05:19:10 PM
That's for Private Banking ($10MM++), not for Private Client.

Dan, did you try to have them enroll you in Private Banking? tell them you have wayyy more than 10M points and miles :)
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 23, 2016, 05:19:14 PM
Correct.
so on the terms and conditions were it says cant have two cards under the same chase rewards program-that doesn't apply here?
Title: Re: Chase Sapphire Reserve
Post by: Luvtotravel on August 23, 2016, 05:30:24 PM
am i losing out by waiting out the pending period and not calling recon? would hate to be subjected to an interrogation. where would i check the app status?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 23, 2016, 05:32:34 PM
That's for Private Banking ($10MM++), not for Private Client.
Chase CPC banker said he would need only $2MM to apply for the card.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 05:42:01 PM
Imma assume that frozen EX means I'm automatically not pre-approved. Correct?
Title: Re: Chase Sapphire Reserve
Post by: jackofall on August 23, 2016, 05:46:33 PM
Applied, got the pending message. Just called offered to shift CL, approved. No CPC. Just counted on Experian have at least 6/24.
Title: Re: Chase Sapphire Reserve
Post by: jackofall on August 23, 2016, 05:47:23 PM
I didn't hear of anyone that was approved over 5/24 without being CPC and NOT being pre qualified
I did. Offered to shift CL.
Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 23, 2016, 06:04:02 PM
Any one had success having the card expedited?
Title: Re: Chase Sapphire Reserve
Post by: yyman1 on August 23, 2016, 06:06:50 PM
I'm sure this has been answered in the thread ... so apologies up front. I was approved for the CSR this morning but was reading I should do another chase card today. Can someone confirm. I think i am at 3(or 4) / 24.

TIA
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 06:08:01 PM
(http://uploads.tapatalk-cdn.com/20160823/b4fa34c16fa36059f490916f720fc427.jpg)
My father already received his card!

He applied in branch on Sunday and he didn't even ask to expedite.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 06:18:47 PM
Imma assume that frozen EX means I'm automatically not pre-approved. Correct?
No, freeze doesn't prevent soft pulls.
Title: Re: Chase Sapphire Reserve
Post by: YMW on August 23, 2016, 06:23:06 PM
It seems that that Priority Pass will include guesting privileges 'you and your travel companions' (same as the one that comes with the Citi Prestige).
Per Lucky (http://onemileatatime.boardingarea.com/2016/08/23/chase-sapphire-reserve-priority-pass/)
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 23, 2016, 06:29:49 PM
I'm sure this has been answered in the thread ... so apologies up front. I was approved for the CSR this morning but was reading I should do another chase card today. Can someone confirm. I think i am at 3(or 4) / 24.

TIA

IMO I would try to get INK if you don't yet have one.

Even though it's a 2nd pull, credit pulls barely affect your score, and its better to get the good chase card while you are still able to and take a 2nd hit.

What affects your score every time you open a card is the new account, dropping your AAoA, not the pull.

Cmiiw, but getting a 2nd hard pull without a new account showing on the credit report (as it's a business card) will drop you score less then opening a 2nd "new account" with the same pull.

(My pull when I was declined for a card dropped me only 4 points total.)
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 06:37:22 PM
It seems that that Priority Pass will include guesting privileges 'you and your travel companions' (same as the one that comes with the Citi Prestige).
Per Lucky (http://onemileatatime.boardingarea.com/2016/08/23/chase-sapphire-reserve-priority-pass/)
IIRC, Citi PP only includes two guests, or immediate family.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 23, 2016, 06:40:15 PM
(http://uploads.tapatalk-cdn.com/20160823/b4fa34c16fa36059f490916f720fc427.jpg)
My father already received his card!

He applied in branch on Sunday and he didn't even ask to expedite.
enjoy while it lasts i guess 3 months? after that major benefits will be gone and points devalued and total worthless so I won't get too excited about it.Chase reps are already complaining about large influx of people applying for this just for the bonus and benefits alone.
Title: Re: Chase Sapphire Reserve
Post by: jayny on August 23, 2016, 06:44:10 PM
My apologies if this was asked and answered.

If I get this card, would I be able to redeem my other UR points from the Ink card for 1.5 cents? (i.e. The Reserve redeems at 1.5, will the other points in my account also redeem at 1.5?)
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 06:47:20 PM
enjoy while it lasts i guess 3 months? after that major benefits will be gone and points devalued and total worthless so I won't get too excited about it.Chase reps are already complaining about large influx of people applying for this just for the bonus and benefits alone.
Huh?
Title: Re: Chase Sapphire Reserve
Post by: Davidp on August 23, 2016, 06:50:50 PM
My apologies if this was asked and answered.

If I get this card, would I be able to redeem my other UR points from the Ink card for 1.5 cents? (i.e. The Reserve redeems at 1.5, will the other points in my account also redeem at 1.5?)
Bump
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 23, 2016, 06:51:53 PM
Is there any data the CPC works when someone is over 5/24?

Maybe it's just the fact that those people were pre-approved?  Are there any CPC over 5/24 success stories without being pre-approved?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 06:55:44 PM
I just applied for someone that is 5/24, 5 cards, got instant approval
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 23, 2016, 06:56:29 PM
Is there any data the CPC works when someone is over 5/24?

Maybe it's just the fact that those people were pre-approved?  Are there any CPC over 5/24 success stories without being pre-approved?
yes
My apologies if this was asked and answered.

If I get this card, would I be able to redeem my other UR points from the Ink card for 1.5 cents? (i.e. The Reserve redeems at 1.5, will the other points in my account also redeem at 1.5?)
Yes. Read the thread people
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 23, 2016, 06:57:07 PM
I just applied for someone that is 5/24, 5 cards, got instant approval
You got approved for five different cards at the same time?
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 06:57:44 PM
Applied, got the pending message. Just called offered to shift CL, approved. No CPC. Just counted on Experian have at least 6/24.

You, sir, are a data point. Congratulations.
Title: Re: Chase Sapphire Reserve
Post by: jackofall on August 23, 2016, 07:03:16 PM
You, sir, are a data point. Congratulations.
Always a pleasure!
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 07:07:24 PM
Chase reps are already complaining about large influx of people applying for this just for the bonus
They made a 100,000 point bonus and they didn't expect a lot of people to sign up just for the bonus?

and benefits
Why else would someone (even a non churner) sign up for a card?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 23, 2016, 07:09:11 PM
They made a 100,000 point bonus and they didn't expect a lot of people to sign up just for the bonus?
Someone will get a promotion for this card being so successful.  :)
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 07:10:11 PM
Guys, the amount of people who know how to MAKE MONEY off of the banks is a percent of a percent. Most people will a) never use the airline credit, b) pay their AF for years even after it goes up c) pay INTEREST for carrying a balance d) pay for AUs without even realizing it, and most importantly, e) will use their 100k URP to buy a 200 dollar digital camera!
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 23, 2016, 07:10:47 PM
I am way over 5/24 was told in a branch that I am not pre-qualified. Should I even bother applying?
Title: Re: Chase Sapphire Reserve
Post by: yitrap on August 23, 2016, 07:11:26 PM
Guys, the amount of people who know how to MAKE MONEY off of the banks is a percent of a percent. Most people will a) never use the airline credit, b) pay their AF for years even after it goes up c) pay INTEREST for carrying a balance d) pay for AUs without even realizing it, and most importantly, e) will use their 100k URP to buy a 200 dollar digital camera!
Airline credit on this card is automatic...almost everyone will end up using it. I agree with the rest though.
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 07:13:15 PM
Airline credit on this card is automatic...almost everyone will end up using it. I agree with the rest though.

Will I shock you by telling you that most people do not even fly every year?
Title: Re: Chase Sapphire Reserve
Post by: yitrap on August 23, 2016, 07:13:49 PM
Will I shock you by telling you that most people do not even fly every year?
Not just flying...ezpass, train, bus....
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 07:14:38 PM
Not just flying...ezpass, train, bus....

Nah, for that they already have their debit card.
Title: Re: Chase Sapphire Reserve
Post by: YMW on August 23, 2016, 07:18:48 PM
Nah, for that they already have their debit card.
Or Cash..... because someone might steel their CC info...... ;D
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 23, 2016, 07:20:50 PM
any reports of non CPC and over 5/24, approved?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 07:21:02 PM
Yes.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 07:21:32 PM
Not just flying...ezpass, train, bus....
+1
This is for anything coded as travel which is what most people will use the card for at 3%.
Uber, Metrocards ...
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 23, 2016, 07:23:07 PM
any reports of non CPC and over 5/24, approved?
Best way to improve chances is to go into branch and check if you are pre-approved. Success rate is quite high when pre-approved in branch.
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 07:31:10 PM
any reports of non CPC and over 5/24, approved?

Right here on this thread. See wiki.
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 23, 2016, 07:41:17 PM
yes
Since there are people who got approved instantly without CPC while being over 5/24, I will say that it most not have to do with CPC.

Unless you have a story of someone who is over 5/24, AND was declined AND being CPC helped when his banker called in, that would be a nice data point.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 23, 2016, 07:46:41 PM
Yes.

I'd love to speak to someone who is not CPC, not branch pre-approved, over 5/24 and approved.
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 23, 2016, 07:47:41 PM
Yes.
Were they pre-qualified?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 23, 2016, 07:50:39 PM
I'd love to speak to someone who is not CPC, not branch pre-approved, over 5/24 and approved.
There have been several DDMS and DDF posters.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 07:52:32 PM
Just got approved for sapphire!

CSR 6/26
CSP 7/24

All done online
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 23, 2016, 08:12:36 PM
Just got approved for sapphire!

CSR 6/26
CSP 7/24

All done online

Nicely done, hope to get to a branch tomorrow.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 08:24:44 PM
Just got approved for sapphire!

CSR 6/26
CSP 7/24

All done online
Without CPC?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 23, 2016, 08:31:31 PM
Without CPC?
Correct.

The guy has/had a Chase credit card for over 20 years,  maybe that helped.
Title: Re: Chase Sapphire Reserve
Post by: flyingace on August 23, 2016, 08:33:19 PM
Is it better to apply during the day? Does it make a difference regarding recon and 1 credit pull for two cards?
I don't know if I will be approved and I do have a personal Chase banker at my branch... Has anyone applied for two cards in the branch at the same time?
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 23, 2016, 09:04:51 PM
No, freeze doesn't prevent soft pulls.
Awesome.
Thanks
Title: Re: Chase Sapphire Reserve
Post by: ari2955 on August 23, 2016, 09:42:20 PM
Just got approved for sapphire!

CSR 6/26
CSP 7/24

All done online

I don't understand what you wrote.
What are those numbers, dates?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 23, 2016, 09:48:35 PM
I don't understand what you wrote.
What are those numbers, dates?
Cards/months
Title: Re: Chase Sapphire Reserve
Post by: ari2955 on August 23, 2016, 09:50:15 PM
Cards/months

Oh so I guess he's referring to 2 different people. Now it makes sense.
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 23, 2016, 09:52:29 PM
enjoy while it lasts i guess 3 months? after that major benefits will be gone
What "major benefits" are being killed off in 3 months?

It took the Citi Prestige quite some time to begin trimming benefits, and even after that it's still quite competitive with this card.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 23, 2016, 10:09:09 PM
Applied in branch yesterday and was declined for 5/24. Apparently, I'm 12/24. Out of desperation, I went to a branch today and the CPC banker signed me up for CPC even though I don't meet the requirements. I do have $100k+ with Chase and a long history with them. The banker specifically said that CPC allows people to bypass rules like 5/24. I went at the end of the day, so he said he will call for recon on Thursday morning (he's off tomorrow) to see if he can get it approved. He said it shouldn't need a new application or credit pull and that my chances are "a coin flip".

Also, now my wife is CPC and I will have her apply in branch when we get the chance.
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 23, 2016, 10:52:00 PM
Applied online, got a pending, called in, got transfered 3 times, and got approved! But only 14k line of credit, isn't it very little?
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 23, 2016, 10:54:18 PM
Applied online, got a pending, called in, got transfered 3 times, and got approved! But only 14k line of credit, isn't it very little?

You got the card, congrats. What do you care what CL they gave you?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 23, 2016, 10:55:24 PM
Applied online, got a pending, called in, got transfered 3 times, and got approved! But only 14k line of credit, isn't it very little?
5/24?
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 23, 2016, 10:56:51 PM
I have an Ink Plus on one business (and other Chase cards), and just applied for an Ink Plus for a diff. business and was declined due to being way over 5/24. CPC and a friendly banker couldn't get the job done. Not pre-approved for CSR. Any point in applying?
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 23, 2016, 11:34:13 PM
5/24?
4/24
Title: Re: Chase Sapphire Reserve
Post by: dovidb on August 24, 2016, 12:47:19 AM
It seems that that Priority Pass will include guesting privileges 'you and your travel companions' (same as the one that comes with the Citi Prestige).
Per Lucky (http://onemileatatime.boardingarea.com/2016/08/23/chase-sapphire-reserve-priority-pass/)
The Ritz card just swiched to priority pass and it includes guests so it makes sense this will also
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 24, 2016, 01:07:00 AM
There have been several DDMS and DDF posters.
I am over 5/24, no CPC, and no pre approval in branch, I will double check a different branch again tomorrow and then apply online, I just removed $15,000 of credit with the hope of getting auto approval. I will report back
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 24, 2016, 01:09:42 AM
I am over 5/24, no CPC, and no pre approval in branch, I will double check a different branch again tomorrow and then apply online, I just removed $15,000 of credit with the hope of getting auto approval. I will report back
That probably wasn't the smartest thing to do.
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 24, 2016, 01:12:30 AM
That probably wasn't the smartest thing to do.
I have enough to reallocate to get to 10k, could be, could not be, I have had mixed results in the past, IIRC- this was always a machlokes, I guess we will find out, whats the worst that happens I cant get sapphire reserve and apply for a hyatt or ritz and I shouldn't have a problem with that, its been a few months since my last chase app
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 24, 2016, 01:13:35 AM
I have enough to reallocate to get to 10k, could be, could not be, I have had mixed results in the past, IIRC- this was always a machlokes, I guess we will find out
I guess so
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 24, 2016, 01:24:20 AM
I have enough to reallocate to get to 10k, could be, could not be, I have had mixed results in the past, IIRC- this was always a machlokes, I guess we will find out, whats the worst that happens I cant get sapphire reserve and apply for a hyatt or ritz and I shouldn't have a problem with that, its been a few months since my last chase app
+1
I happen to think you did the right thing.
I keep my Chase lines low and even put a restriction on them raising them.
If I need high CLs for my utilization ratio on my credit score, I can always get another 15k from citi or BoA.
Keep the Chase lines low and increase your odds of an instant approval. As long as you have enough "padding" to shift lines in recon, or one card you're ready to close as "leverage," that's all you need.
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 09:56:23 AM
I'd love to speak to someone who is not CPC, not branch pre-approved, over 5/24 and approved.

there was a reply on this thread of someone fitting that description-try direct messaging..
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 24, 2016, 09:59:40 AM
Good news, looks like Chase should be added to Android Pay on Sept 7. This will allow you to make rent payments through radpad with the Reserve to meet min spend req.

http://www.androidpolice.com/2016/08/23/praise-lord-chase-will-add-support-android-pay-september-7th/
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 24, 2016, 10:21:26 AM
I have an Ink Plus on one business (and other Chase cards), and just applied for an Ink Plus for a diff. business and was declined due to being way over 5/24. CPC and a friendly banker couldn't get the job done. Not pre-approved for CSR. Any point in applying?

No.
Title: Re: Chase Sapphire Reserve
Post by: ExGingi on August 24, 2016, 10:28:52 AM
Good news, looks like Chase should be added to Android Pay on Sept 7. This will allow you to make rent payments through radpad with the Reserve to meet min spend req.

Anyone get a change of terms in the mail on Chase cards. Not sure if this is new, but they spell out that using a third party service to make a payment counts as a cash advance.
Title: Re: Chase Sapphire Reserve
Post by: asks on August 24, 2016, 10:29:27 AM
Anyone with no CPC/pre-qual and getting approved with freezing EXP?
Title: Re: Chase Sapphire Reserve
Post by: Iz on August 24, 2016, 10:37:35 AM
No.
Thanks. I was wondering if anyone would answer. :)
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on August 24, 2016, 10:45:06 AM
Anyone with no CPC/pre-qual and getting approved with freezing EXP?
You'll have to unfreeze it. Very hard to get them to pull a diff. one.
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 24, 2016, 10:45:40 AM
Just went into branch and was pre-approved. Over 5/24 and not CPC.  ;D
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 24, 2016, 10:48:22 AM
Just went into branch and was pre-approved. Over 5/24 and not CPC.  ;D
As have many over 5/24ers online.
I wonder how they determine who to allow past it though?
Title: Re: Chase Sapphire Reserve
Post by: asks on August 24, 2016, 11:08:36 AM
You'll have to unfreeze it. Very hard to get them to pull a diff. one.
Does it depend what state you're in?
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 24, 2016, 11:09:37 AM
As have many over 5/24ers online.
I wonder how they determine who to allow past it though?
I only have 1 other chase card. Do you think that would help? Maybe they want me as a customer??
Title: Re: Chase Sapphire Reserve
Post by: meme on August 24, 2016, 11:11:46 AM
As have many over 5/24ers online.
I wonder how they determine who to allow past it though?
Would the branch pre approved non CPC's success stories care sharing if they have significant $$ with Chase to see if that's a factor?
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 24, 2016, 11:35:11 AM
Would the branch pre approved non CPC's success stories care sharing if they have significant $$ with Chase to see if that's a factor?
I had only one other chase card, and no bank account with them.
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 24, 2016, 12:04:52 PM
Any reports of non cpc being approved after being denied do to 5/24?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 24, 2016, 12:11:24 PM
Any reports of non cpc being approved after being denied do to 5/24?
Many.
Title: Re: Chase Sapphire Reserve
Post by: deltastubs on August 24, 2016, 12:22:50 PM
Do you spend a lot on that one chase card? maybe thats it
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 12:23:44 PM
Many.
Recon overriding a 5/24 denial?
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 24, 2016, 12:26:44 PM
Is recon open on Saturdays ? And till what time on weekdays ?
Title: Re: Chase Sapphire Reserve
Post by: bjd on August 24, 2016, 12:27:31 PM
>5/24, CPC, denied online, banker in branch got me approved.
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 24, 2016, 12:39:39 PM
Do you spend a lot on that one chase card? maybe thats it
No I don't
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 24, 2016, 12:41:10 PM
Many.
Chase is telling me its not possible to override a 5/24 denial. Huca?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 24, 2016, 12:42:16 PM
Sorry, misread.
Once you hit that roadblock it seems only CPC can help.
Title: Re: Chase Sapphire Reserve
Post by: duvz on August 24, 2016, 12:55:09 PM
Additional tips for those still looking to apply (disclaimer: not a DDF link)
http://frequentmiler.boardingarea.com/2016/08/24/get-approved-sapphire-reserve/
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 01:00:59 PM
Applied online, got a pending, called in, got transfered 3 times, and got approved! But only 14k line of credit, isn't it very little?

are you 5/24? long standing chase customer? cpc?
Title: Re: Chase Sapphire Reserve
Post by: solls108 on August 24, 2016, 01:08:25 PM
Is there a referral bonus for having friends sign up for the card via your referral link??
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on August 24, 2016, 01:11:44 PM
>5/24, not cpc, applied in branch, denied, banker told me he would call to help out and he called but put in like zero effort. I feel like I shouldn't even bother HUCAing this until 20 days from now recon is so crazy and my chances are so slim anyway. Question is if I should Ritz it today. Probably.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 24, 2016, 01:13:04 PM
Many.
Are you saying that 5/24 denial is hucable?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 24, 2016, 01:15:31 PM
Are you saying that 5/24 denial is hucable?
Sorry, misread.
Once you hit that roadblock it seems only CPC can help.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 24, 2016, 01:27:53 PM
Any success with HUCA if only over 5/24 with AU's?
Title: Re: Chase Sapphire Reserve
Post by: yakrot on August 24, 2016, 01:35:32 PM
Any success with HUCA if only over 5/24 with AU's?
If only over with ah's remove them from your report before you apply. If you already applied I would say sure go for it
Title: Re: Chase Sapphire Reserve
Post by: meme on August 24, 2016, 01:38:00 PM
If only over with ah's remove them from your report before you apply. If you already applied I would say sure go for it
Which report does Chase use? How long does it take to get removed as AU from report?
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 01:39:07 PM
As have many over 5/24ers online.
I wonder how they determine who to allow past it though?

maybe if you have a long standing relationship with them, or there taking so many apps online now that some are slipping through the cracks?
Title: Re: Chase Sapphire Reserve
Post by: yakrot on August 24, 2016, 01:39:53 PM
Which report does Chase use? How long does it take to get removed as AU from report?
Should be able to do it right away... The number is listed in this article
Additional tips for those still looking to apply (disclaimer: not a DDF link)
http://frequentmiler.boardingarea.com/2016/08/24/get-approved-sapphire-reserve/
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 01:49:54 PM
can you go in to a chase bank and ask for a pre-approval with out having an account with them?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 01:51:13 PM
can you go in to a chase bank and ask for a pre-approval with out having an account with them?
No.
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 02:05:37 PM
No.
chase using transunion in  NY for this card?

if i signed up for two cards this month, how long does it take to get on my report? just checked credit karma trans union-not there yet
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 02:06:34 PM
chase using transunion in  NY for this card?
No, experian.
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 24, 2016, 02:07:01 PM
can you go in to a chase bank and ask for a pre-approval with out having an account with them?
No.
-1 I don't have a bank account with them and was pre-approved.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 02:13:49 PM
-1 I don't have a bank account with them and was pre-approved.
'Account' includes CC's, not only banking.

You need to have something with them in order for pre-approvals to show up in their system.
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on August 24, 2016, 02:20:19 PM
You need to have something with them in order for pre-approvals to show up in their system.
-1 banks have relationships with credit bureaus that enable them to do soft pulls on the spot for existing cardmembers and prospects alike. This fuels their pre-qual systems (Chase (https://www.chase.com/prequalified), Citi (https://www.citicards.com/cards/credit/application/flow.action?isInvitation=), etc).
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 02:35:21 PM
-1 banks have relationships with credit bureaus that enable them to do soft pulls on the spot for existing cardmembers and prospects alike. This fuels their pre-qual systems (Chase (https://www.chase.com/prequalified), Citi (https://www.citicards.com/cards/credit/application/flow.action?isInvitation=), etc).
I'm talking about the in-branch pre approval accessible to bankers, not Chase pre approvals in general.
Title: Re: Chase Sapphire Reserve
Post by: Dovy365 on August 24, 2016, 02:41:19 PM
-1 banks have relationships with credit bureaus that enable them to do soft pulls on the spot for existing cardmembers and prospects alike. This fuels their pre-qual systems (Chase (https://www.chase.com/prequalified), Citi (https://www.citicards.com/cards/credit/application/flow.action?isInvitation=), etc).
I walked in to a branch and the banker had no idea what I was talking about when I asked her to check for pre-approval, she even went to ask a manager. She wanted to just apply which would result in a hard pull, I said no thank you, I can do that on my own.
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on August 24, 2016, 02:55:07 PM
I'm talking about the in-branch pre approval accessible to bankers, not Chase pre approvals in general.
And what do you suppose is the difference?
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 24, 2016, 02:55:59 PM
Dan just posted on DDMS about keeping his Amex for grocery and return protection. Has anyone used the return/purchase protection on Chase? Will this be easier/better to use because its a "higher end" card or the same as any other Chase claim.
Title: Re: Chase Sapphire Reserve
Post by: sky121 on August 24, 2016, 03:08:41 PM
I doubt it. Amex still rules in that area.
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 24, 2016, 03:12:35 PM
If I am over 5/24, no pre approvals, no cpc, is there any advantage to applying in branch vs online? it doe snot seem that the bankers have any pull with getting an approval here
Title: Re: Chase Sapphire Reserve
Post by: username on August 24, 2016, 03:55:20 PM
its a long shot, but does having a mortgage with chase get you anywhere?
It probably can.
with my bank (not Chase), due to a loan i have out, i am like platinum gold star, or whatever they call it. Free checks, and no monthly fees for any of my accounts there.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 03:56:30 PM
On the phone now with them
They said they need 29K for this application to be approved!!
but then she said she can do less if requested but above 10k

so she moved 15k over and then she processed application - had to transfer me for verification..... 22mins later.....
Approved

and Rushed it to 2-3 Business Days!
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 04:06:57 PM
Went to branch and banker told me need to wait 5-7 days, he wouldn't make any call to expedite it. Now gotta call recon..
Title: Re: Chase Sapphire Reserve
Post by: Cappy on August 24, 2016, 04:07:24 PM
On the phone now with them
They said they need 29K for this application to be approved!!
but then she said she can do less if requested but above 10k

so she moved 15k over and then she processed application - had to transfer me for verification..... 22mins later.....
Approved

and Rushed it to 2-3 Business Days!

How did you apply?
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 04:07:41 PM
How did you apply?
Online
Title: Re: Chase Sapphire Reserve
Post by: db23 on August 24, 2016, 04:09:17 PM
'Account' includes CC's, not only banking.

You need to have something with them in order for pre-approvals to show up in their system.

ok,yea i have a saphire card.

thanks
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 04:09:39 PM
Online

Which of the 3 recon numbers did you call?
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 04:10:48 PM
Which of the 3 recon numbers did you call?
#1

Was much easier than expected
Delay was only due to computer
Title: Re: Chase Sapphire Reserve
Post by: ygygold on August 24, 2016, 04:13:22 PM
got declined for me and my wife  >:( :(
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 04:15:01 PM
I want to do another for my wife

Just wanted to wait a month or two

Anyone have any idea on how long this offer will be
Title: Re: Chase Sapphire Reserve
Post by: MrPrime1 on August 24, 2016, 04:16:48 PM
way over 5/24, not CPC, not pre-approved, chase customer over. 10 years went into a branch and started shmoozing with the banker, i told him i dont want to waste a pull if there is nothing he can do to up my chances of an approval. he offered to submit a special consideration form which they apparently brought back this week. got 7-10 day message but banker said he will follow up tomorrow morning, crossing my fingers
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 24, 2016, 04:17:38 PM
No, experian.

Is chase pulling experian for NJ too ?
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 24, 2016, 04:18:22 PM
I want to do another for my wife

Just wanted to wait a month or two

Anyone have any idea on how long this offer will be
Doc said he thinks the in-branch offer will be around indefinitely while the online offer will likely go away at some point IIRC, not sure when though.
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 24, 2016, 04:19:54 PM
I am over 5/24, no CPC, and no pre approval in branch, I will double check a different branch again tomorrow and then apply online, I just removed $15,000 of credit with the hope of getting auto approval. I will report back
pending, I called the number and I got you will be notified within 7-10 days of our decision. Is that still auto decline? Then it is worth calling and confirming that it is declined?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 04:22:36 PM
#1

Was much easier than expected
Delay was only due to computer


Declined, now starts huca, or Maybe not worth it if reason was clearly for 5/24, rep said it.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 04:23:47 PM
Declined, now starts huca, or Maybe not worth it if reason was clearly for 5/24, rep said it.
I prob was under 5/24 since they didnt say it.
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 24, 2016, 04:32:53 PM
How does the 5/24 work ? My first card of 5/24 was in December 2014 do I have to wait until December to apply ?
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 24, 2016, 04:36:19 PM
Can one open a joint chase checkings account online? The purpose is to receive CPC status as the other account holder I plan on opening with is a CPC.
Title: Re: Chase Sapphire Reserve
Post by: CreamofSoup on August 24, 2016, 04:40:53 PM
Any idea how long the 100k bonus will last (i.e. weeks, months, etc)? I need to wait a few weeks before I can apply
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 24, 2016, 05:02:27 PM
Can one open a joint chase checkings account online? The purpose is to receive CPC status as the other account holder I plan on opening with is a CPC.
Need to be in branch to get the CPC account.

At last for me.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 24, 2016, 05:04:18 PM
Family member who is CPC, not pre-qualified, and over 5/24 denied in branch due to too many accounts, after CPC rep called recon. Gosh, dunno if I should take plunge.
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 05:05:55 PM
Went to branch and banker told me need to wait 5-7 days, he wouldn't make any call to expedite it. Now gotta call recon..

50 minute wait to speak to a supervisor.
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 24, 2016, 05:08:24 PM
Family member who is CPC, not pre-qualified, and over 5/24 denied in branch due to too many accounts, after CPC rep called recon. Gosh, dunno if I should take plunge.
what do you lose?
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 24, 2016, 05:12:17 PM
Need to be in branch to get the CPC account.

At last for me.
Not following. Opening a joint checkings account is possible to do online. Doesn't CPC status follow automatically if one of the account holders is CPC?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 24, 2016, 05:27:31 PM
Not following. Opening a joint checkings account is possible to do online. Doesn't CPC status follow automatically if one of the account holders is CPC?
Dunno.

To get the CPC account, I needed to go to the branch.

I'm pretty sure it's a manual process
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 05:28:17 PM
50 minute wait to speak to a supervisor.

They're not willing to do anything, tried twice so far, officially no way to reconsider once it's 5/24 declined, they said that I was accepted for over 15.
Title: Re: Chase Sapphire Reserve
Post by: Moshe G on August 24, 2016, 05:29:53 PM
Im at 4/24 on primary. 8/24 with AU. should I remove the AU before applying? How long does it take for them go off?
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 24, 2016, 05:30:56 PM
Dunno.

To get the CPC account, I needed to go to the branch.

I'm pretty sure it's a manual process
Did you try doing it over the phone?
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 05:31:16 PM
Some nice tips in 1 summary of this whole thread.....


http://frequentmiler.boardingarea.com/2016/08/24/get-approved-sapphire-reserve/
How to get approved for the Sapphire Reserve 100K offer [NEW]
 August 24, 2016 by  Greg The Frequent Miler

A few weeks ago I wrote a similarly named post “Get approved for the Sapphire Reserve 100K offer despite 5/24.” Since then, we’ve learned more about how Chase is handing Sapphire Reserve applications, and Chase has discontinued their Special Reconsideration Form for Personal Card Exceptions.  So, I figured that this topic deserved a new post…

There’s no question that the Chase Sapphire Reserve 100K offer is awesome. Whether or not it is worth keeping past the first 12 months is debatable, but the first year value of the card is huge.  In exchange for the $450 annual fee and $4K of spend in 3 months, cardholders will receive 100,000 bonus points plus the ability to earn $600 in travel credits in their first 12 months of card ownership ($300 this calendar year and $300 next year).  Since points are worth 1.5 cents each towards travel, you can get a total of $2100 worth of travel for that $450 fee ($1500 from points + $600 from travel credits).

To get $600 in travel credits in the first 12 months of card membership, you’ll want to sign up for this card soon.  The reason?  To get the first $300 in travel reimbursements, you’ll have to spend $300 on travel (airfare, hotels, taxis, trains, Uber, etc.) before your December statement closes.  By signing up soon, you’ll have more time to complete that spend.  After your December statement closes, you can then begin work on spending another $300 in travel to get the next $300 in travel reimbursements.

What follows is a step by step guide designed to help ensure approval…

1) Check your credit score
There are many ways to check your credit score for free.  Here are a few easy options:

Discover offers free FICO credit scores from Experian for customers and non-customers alike
Experian offers free FICO credit scores via their phone app and via their freecreditscore.com website
Many credit card companies offer free credit scores.  Simply log into your online account and click around until you find it 🙂
Many websites offer free estimated (FAKO) scores
Get approved Sapphire Reserve

If your credit score is below 700 then you are probably better off working towards improving your credit score rather than signing up for new cards.

Continue to next step if your score is Very Good or Excellent:

2) Determine your 5/24 status
If you sign up for lots of credit cards, you may be subject to Chase’s dreaded “5/24 Rule”.  Chase will frequently deny applications when an applicant’s credit report shows 5 or more new cards in the past 24 months.  This total includes accounts in which you are an authorized user and includes accounts from other banks.

You can determine your 5/24 status by viewing your credit report (I use the free website Credit Karma to do this) and counting all credit cards that show an open date of two years ago or less.  You should include cancelled cards in your count as well.  Note that inquiries not part of the 5/24 calculation.

Get approved Sapphire Reserve

If you have 4 or fewer new cards on your credit report, then you should be good to go!  There is no need to read further.  You can signup online or in-branch.  Either way, your chance of success should be pretty high. Click here to find the Chase Sapphire Reserve 100K offer.

If you have 4 or fewer new cards after subtracting out cards in which you are an authorized user, then you have a good chance of success after calling for reconsideration.  In other words, you are likely to get denied initially, but you can then call reconsideration at 888-245-0625.  If the agent tells you that your application was denied due to too many accounts in the past 24 months, then point out the accounts in which you are an authorized user and ask that those not be considered. You may have to call a few times (and/or ask for a supervisor) to find a person willing to help.

Continue to next step if you have opened 5 or more accounts in the past 24 months:

3) Try to get pre-approved
Many readers have reported getting approved for the Sapphire Reserve card despite being far over 5/24.  Most of these readers reported that they went in person to Chase and learned that they were pre-approved.  This makes sense.  I’ve long suspected that pre-approvals help circumvent 5/24 Rules.

Here’s how to learn if you are pre-approved:

Look for mailers.  Chase often sends credit card offers by mail.  Sometimes these offers state that the recipient is pre-approved or pre-qualified.  Either way, if you get one of these, you’re good to go.
Visit a Chase bank.  Tell the banker that you are interested in applying for the Sapphire Reserve card but you want to check first to see if you are pre-approved.  If so, apply!
NOTE: I tested to see if a random Chase banker would check my pre-approval over the phone, but I was told that I must come into the branch because they had to see my ID.
If either of the above options result in pre-qualification or pre-approval, then go ahead and apply.  There is still no guarantee that you’ll be approved, but you are likely to at least get around the 5/24 Rule.

Via a personal conversation with Doctor of Credit I learned that online approvals may not help circumvent 5/24 rules.  However, if you want to take a chance and look for online approval anyway, here’s how:

Check online with Chase.  Chase has a website (here) where you can check to see if you are pre-qualified for any offers.  Unfortunately, this site rarely shows anything worthwhile.  It’s important to note that the online tool may not show that you are pre-qualified, but a banker may see that you are.
Try the CardMatch Tool to see if you are pre-qualified for any Chase offers. Like the Chase site mentioned above, if you don’t find that you are pre-qualified through this site, you might still find that you are pre-qualified if you talk to a Chase banker.  Disclosure: The CardMatch Tool link is an affiliate link. If you click through that link and apply and are approved for any cards on the CardMatch Tool site, I will be paid a commission.
Continue to next step if you are over 5/24 and you are not pre-approved for the Sapphire Reserve card:

4) Join Chase Private Client
This is one of those “easier said than done” kind of things.  Chase Private Client status is great in lots of ways (details here), but getting that status may or may not be an option for you.  Here are a few options:

Have $250,000 on deposit with Chase. This includes checking accounts, savings accounts, and investment accounts. While I haven’t tried it, it should be possible to switch an un-managed retirement fund to Chase in order to qualify.
OR:
Convince a Private Client banker that you plan to deposit $250,000 or more with Chase.
OR:
Open a joint account with a current Private Client member.  This should automatically give you Private Client status.
Private Client members seem to be mostly immune to 5/24.  I write “mostly” because most readers with Private Client status have reported success with Chase applications despite being over 5/24, but a few have reported otherwise.  Once you get Private Client status, I recommend applying in person with your Private Client banker.  He or she should then be able to help push through the application if it is not immediately approved.

Continue to next step if you are over 5/24, you are not pre-approved for the Sapphire Reserve card, and you cannot get Private Client status:

5) Wait to dip under 5/24
If you stop applying for new cards for a while, your “new” accounts will eventually become old (as in, older than 24 months).  While you’re waiting, you can still rack up lots of points by signing up for a bunch of business cards that don’t show up on your personal credit report.  Please see: Business card advantages (and a straw man plan).

Don’t call until denied
Most people who apply for the Chase Sapphire Reserve card have reported getting a pending decision.  For example, they may be told that a decision will be made in 7 to 10 days.  While many people like to call the reconsideration line (888-245-0625) to speed up the process, I recommend waiting.

When you apply for a card, you essentially have three chances for approval: 1) automated instant decision; 2) automated decision after application goes pending; and 3) reconsideration.

Those who call for reconsideration before step 2 is complete force Chase to bypass that step. It is possible that a recon agent will deny an application that would have been approved by the the automated process in step 2.

If you wait, you have an extra chance of approval.  If that process results in a denial, you can still then call to try to overturn the decision.  In fact, I recommend calling several times if the first time isn’t successful.

No Guarantee
The suggestions listed above are suggestions that I think will help you get approved for the Sapphire Reserve card (or any Chase card, for that matter).  That said, I am not in any way affiliated with Chase.  I have no inside knowledge of their processes.  And, it is my understanding that many factors beyond your credit score and 5/24 status are considered when evaluating a credit card application.

In other words, while I believe that the suggestions shown above will help, I can’t guarantee success.  Not even close.
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 24, 2016, 05:33:25 PM
They're not willing to do anything, tried twice so far, officially no way to reconsider once it's 5/24 declined, they said that I was accepted for over 15.
They told me the same thing multiple times.
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 05:37:11 PM
Supervisor was saying how they are swamped with calls regarding this card now, which is why such a long delay to speak to one. If 5/24 there is nothing they could do but apologize.
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 24, 2016, 05:53:09 PM
Supervisor was saying how they are swamped with calls regarding this card now, which is why such a long delay to speak to one. If 5/24 there is nothing they could do but apologize.
#1 answered under 5 seconds
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 24, 2016, 06:03:55 PM
I've hit a Brick wall.
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 06:09:37 PM
#1 answered under 5 seconds


Regular agent yes a few times, the wait is for super.
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 24, 2016, 06:11:22 PM
Dunno.

To get the CPC account, I needed to go to the branch.

I'm pretty sure it's a manual process
Here an excerpt from the article quoted above from frequent flyer
Open a joint account with a current Private Client member.  This should automatically give you Private Client status.
I'm aware that this could be specifically referring to one who opens an account in branch.
I'd appreciate if anyone that has intimate knowledge with regards to CPC if they could please weigh in.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 24, 2016, 06:29:42 PM
what do you lose?
Hard pull?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 24, 2016, 06:33:15 PM
Here an excerpt from the article quoted above from frequent flyer
Open a joint account with a current Private Client member.  This should automatically give you Private Client status.
I'm aware that this could be specifically referring to one who opens an account in branch.
I'd appreciate if anyone that has intimate knowledge with regards to CPC if they could please weigh in.
Are you willing to try it online, and if you need to go in branch to activate the CPC, so be it...
Title: Re: Chase Sapphire Reserve
Post by: robin hood on August 24, 2016, 06:34:30 PM
Are you willing to try it online, and if you need to go in branch to activate the CPC, so be it...
I'm sorry I should've been a little more clear; I'm in Israel. Not coming back for some time.
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 24, 2016, 06:39:30 PM
Hard pull?
pulls are so overrated imo
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 24, 2016, 06:46:02 PM
pulls are so overrated imo
+1
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 24, 2016, 06:55:57 PM
pulls are so overrated imo
+2

It's the new account that hurts, not the pull
Title: Re: Chase Sapphire Reserve
Post by: ae123 on August 24, 2016, 07:40:41 PM
Not only is Chase being firm about the 5/24 rule, the reps seem annoyed and even angry when I call.
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 24, 2016, 07:55:56 PM
If I am over 5/24, no pre approvals, no cpc, is there any advantage to applying in branch vs online? it doe snot seem that the bankers have any pull with getting an approval here
Hard decline, 21/24, onto Hyatt and ritz to not waste the pull. When is the thread for selling cpc status going to start?
Title: Re: Chase Sapphire Reserve
Post by: nobiggy on August 24, 2016, 07:56:42 PM
Has anyone received the card yet?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 24, 2016, 07:58:05 PM
Has anyone received the card yet?
Yes
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 24, 2016, 07:59:37 PM
Has anyone received the card yet?
(http://uploads.tapatalk-cdn.com/20160823/b4fa34c16fa36059f490916f720fc427.jpg)
My father already received his card!

He applied in branch on Sunday and he didn't even ask to expedite.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 24, 2016, 08:03:02 PM
It seems they are expediting all the cards even if you don't request it. My father's came UPS next day. Also many reports from Redddit.
Some reports say that if you called to expedite you will get two cards.
Title: Re: Chase Sapphire Reserve
Post by: nobiggy on August 24, 2016, 08:03:22 PM

I applied with the first link and still nothing >:(
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 24, 2016, 08:04:11 PM


When is the thread for selling cpc status going to start?
It'll be merged with the shidduchim/dating thread

Title: Re: Chase Sapphire Reserve
Post by: elit on August 24, 2016, 08:13:02 PM

I got mine today but it didn't come in a box like that just a regular envelope  in a priority envelope
Title: Re: Chase Sapphire Reserve
Post by: real-brisker on August 24, 2016, 08:45:41 PM
I got mine today but it didn't come in a box like that just a regular envelope  in a priority envelope
Did you ask to rush it?
Title: Re: Chase Sapphire Reserve
Post by: elit on August 24, 2016, 08:46:14 PM
Did you ask to rush it?
No
Title: Re: Chase Sapphire Reserve
Post by: EMCC on August 24, 2016, 08:56:32 PM
5/24 includes all banks, not just Chase, right?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 24, 2016, 08:57:14 PM
5/24 includes all banks, not just Chase, right?

Right.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 24, 2016, 09:00:16 PM
5/24 includes all banks, not just Chase, right?
All banks as well as au's on your report.
Title: Re: Chase Sapphire Reserve
Post by: Marko Rubio on August 24, 2016, 09:12:27 PM
i wana apply,from reading here upthread i understand i need to be able to be approved for at least 10k, how can i know if i can get 10k?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 24, 2016, 09:19:05 PM
i wana apply,from reading here upthread i understand i need to be able to be approved for at least 10k, how can i know if i can get 10k?
A) If you have a history of managing $10k+ (or close) credit lines responsibly.

B) If your current chase credit lines plus $10k would still be within 50% of your stated income. (Yes, I'm well aware that Chase gives out way more than 50% to many people.)
Title: Re: Chase Sapphire Reserve
Post by: Marko Rubio on August 24, 2016, 09:34:38 PM
A) If you have a history of managing $10k+ (or close) credit lines responsibly.

B) If your current chase credit lines plus $10k would still be within 50% of your stated income. (Yes, I'm well aware that Chase gives out way more than 50% to many people.)
are they only looking on primary cards or on AU cards too?
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 24, 2016, 09:58:53 PM
Chase Ritz or the Chase SR? which one offers better lounge benefit? I mean number of lounges and if anyone else with you  get free access with you?

Thanks. Will be canceling the Citi Prestige soon as my fee is coming up and I don't need 3 annual fee cards with global entry or lounge benefit.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 24, 2016, 09:59:57 PM
A) If you have a history of managing $10k+ (or close) credit lines responsibly.

B) If your current chase credit lines plus $10k would still be within 50% of your stated income. (Yes, I'm well aware that Chase gives out way more than 50% to many people.)

I've seen plenty of people go from $1000 limits to $10,000 limits.
Title: Re: Chase Sapphire Reserve
Post by: good sam on August 24, 2016, 10:08:15 PM
I got mine today but it didn't come in a box like that just a regular envelope  in a priority envelope
Rep told me the card and welcome package are sent separately.
Title: Re: Chase Sapphire Reserve
Post by: elit on August 24, 2016, 10:09:08 PM
Rep told me the card and welcome package are sent separately.
Aha
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 24, 2016, 10:24:15 PM
can you go in to a chase bank and ask for a pre-approval with out having an account with them?

If you have a credit card, that'll count as an account - doesn't need to be a deposit account.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 24, 2016, 10:38:24 PM
And what do you suppose is the difference?
The banker has to pull up your profile in the system to see pre approvals. if you don't have an account with them, there's no profile for him to pull up.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 24, 2016, 10:45:31 PM
Rep told me the card and welcome package are sent separately.
Mine came in the box (It even had a fancy insert for the card).

Maybe it is separate if you expedite it?
Title: Re: Chase Sapphire Reserve
Post by: m.m. on August 24, 2016, 11:15:58 PM
how much does cpc cost per month?
and can it be an upgrade from any type of bank account?
sorry if its a bit off topic.
Title: Re: Chase Sapphire Reserve
Post by: good sam on August 24, 2016, 11:16:12 PM
Mine came in the box (It even had a fancy insert for the card).

Maybe it is separate if you expedite it?
They didn't agree to expedite mine. Maybe the reps just don't know.
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 25, 2016, 12:57:11 AM
how much does cpc cost per month?
and can it be an upgrade from any type of bank account?
sorry if its a bit off topic.
Free and I believe they can upgrade any account. (Provided you have a banker willing to do it for you)
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 25, 2016, 02:14:29 AM
how much does cpc cost per month?
and can it be an upgrade from any type of bank account?
sorry if its a bit off topic.
Did you google it at all first?
Maybe searched this thread?

To answer your question: it's free.
[quote name="my earlier post"]
Officially you need $250k with them.
Any CPC relationship banker can give you it, if they really value your relationship. (IIrc when I got it, the screen prompted the banker to check for at least $100k, but they overrode that).

Besides that, anyone with CPC can give their immediate family CPC by becoming a joint account holder with them on 1 account (the free CPC deposit box is a easy choice), then all their accounts become CPC.
[/quote]
Title: Re: Chase Sapphire Reserve
Post by: CreamofSoup on August 25, 2016, 01:03:02 PM
Which agency are they pulling reports from for Maryland, anybody know?
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 25, 2016, 01:06:17 PM
I just applied online, called chase lending dept. the advised that will get my answer within 30 days ??

any help to speed up this process ?

TIA
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 25, 2016, 01:12:05 PM
I just applied online, called chase lending dept. the advised that will get my answer within 30 days ??

any help to speed up this process ?

TIA

Yeah. Call back and get it approved. Don't wait.
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 25, 2016, 01:32:17 PM
Yeah. Call back and get it approved. Don't wait.


I called back, and rep. Said that my application needs additional review and I'll be notified with 30 days via mail. I'm currently 4/24 and CS of 780
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 25, 2016, 01:33:52 PM
5/24 includes all banks, not just Chase, right?
Yes
Title: Re: Chase Sapphire Reserve
Post by: m.m. on August 25, 2016, 01:43:29 PM
Did you google it at all first?
Maybe searched this thread?

To answer your question: it's free.
i saw ur post, but it didnt answer either question.
thanks for the info
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 25, 2016, 01:47:39 PM
Replied online, got denied for 7/24. Huca no help. Went into local branch and was told both me and wife preapproved (wife 12/24) applied in approx. 1 min and now its showing up in my online account within seconds.

Title: Re: Chase Sapphire Reserve
Post by: yitzyul on August 25, 2016, 01:47:54 PM
Replied online, got denied for 7/24. Huca no help. Went into local branch and was told both me and wife preapproved (wife 12/24) applied in approx. 1 min and now its showing up in my online account within seconds.
I guess now I should apply for a whole slew of other non 5-24 cards? and possibly some others since I might as well restart the 5/24 clock from today?
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on August 25, 2016, 02:30:00 PM
Declined online (7-10days)
in bank pre-approved says for review 2 weeks, any chances?
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 25, 2016, 02:32:11 PM
Does mileage plus x purchase count toward travel spending redemption to get at 1.5 cpp?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 25, 2016, 02:33:13 PM
Does mileage plus x purchase count toward travel spending redemption to get at 1.5 cpp?
IIRC it's not coded as travel with visa.
Title: Re: Chase Sapphire Reserve
Post by: nanach09 on August 25, 2016, 02:38:41 PM
Just got Approved. Is there Any point in applying for a different chase credit card same day or it goes onto credit report instantly?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 25, 2016, 02:40:25 PM
Just got Approved. Is there Any point in applying for a different chase credit card same day or it goes onto credit report instantly?
yes you should try for another card it doesnt show instantly on your report
Title: Re: Chase Sapphire Reserve
Post by: nanach09 on August 25, 2016, 02:41:36 PM
Thx
Title: Re: Chase Sapphire Reserve
Post by: MasterAmex on August 25, 2016, 02:44:45 PM
yes you should try for another card it doesnt show instantly on your report
personal and business cards are combined in one pull? if applied same day
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 25, 2016, 02:49:33 PM
personal and business cards are combined in one pull? if applied same day
no has to be personal & personal with chase
Title: Re: Chase Sapphire Reserve
Post by: 138138 on August 25, 2016, 02:50:13 PM
personal and business cards are combined in one pull? if applied same day

With Chase its 2 separate pulls
Title: Re: Chase Sapphire Reserve
Post by: ydf on August 25, 2016, 03:06:49 PM
does any rental qualify for the $300 travel credit? meaning to ask if i take a local rental can i get the travel credit for it?
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 25, 2016, 03:08:12 PM
does any rental qualify for the $300 travel credit? meaning to ask if i take a local rental can i get the travel credit for it?
Why not? If it codes as travel than it'll give you the credit.
Title: Re: Chase Sapphire Reserve
Post by: ydf on August 25, 2016, 03:10:21 PM
Why not? If it codes as travel than it'll give you the credit.
just to confirm, so your saying i can go to the enterprise location 2 blocks away from my house and take a rental for $300 and i"ll get the credit for it?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 25, 2016, 03:12:38 PM
personal and business cards are combined in one pull? if applied same day
No.

But don't let that bother you. If you are still below 5/24 I would open a Biz cards card with a 2nd pull. Pulls are overrated
Title: Chase Sapphire Reserve
Post by: mmgfarb on August 25, 2016, 03:13:34 PM
just to confirm, so your saying i can go to the enterprise location 2 blocks away from my house and take a rental for $300 and i"ll get the credit for it?
Yep, not sure why you would want to do that but it should work.
Title: Re: Chase Sapphire Reserve
Post by: ydf on August 25, 2016, 03:21:14 PM
Yep, not sure why you would want to do that but it should work.
why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))
Title: Re: Chase Sapphire Reserve
Post by: GUY436 on August 25, 2016, 03:33:43 PM
 
why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))

I would think that even cabs/uber/public transit would be covered under the $300. As they are considered Travel On The Preferred.
Title: Re: Chase Sapphire Reserve
Post by: JoeyShmoe on August 25, 2016, 03:39:54 PM
why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))
Quote from: http://www.dansdeals.com/archives/93750
That includes any charges for airfare, car rentals, hotels, Airbnb, campgrounds, cruises, or transportation which includes trains, buses, subways, Uber, Lyft, taxis, limos, ferries, bridges, tolls, E-ZPass, and parking.
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 25, 2016, 04:18:36 PM
I guess now I should apply for a whole slew of other non 5-24 cards? and possibly some others since I might as well restart the 5/24 clock from today?
What do you mean restart?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 04:24:20 PM
What do you mean restart?
Do a big AOR today, and only open 4 more cards for the next 24 months.

Personally, I think anyone planning 24 months down the line in this game is nuts, but that's just me.
Title: Re: Chase Sapphire Reserve
Post by: yakrot on August 25, 2016, 04:28:12 PM
Do a big AOR today, and only open 4 more cards for the next 24 months.

Personally, I think anyone planning 24 months down the line in this game is nuts, but that's just me.
+1
Title: Re: Chase Sapphire Reserve
Post by: yakrot on August 25, 2016, 04:28:43 PM
why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))
Just prepay your ez pass $300
Title: Re: Chase Sapphire Reserve
Post by: MasterAmex on August 25, 2016, 04:36:57 PM
Got instant approval for CSP and CSR!! should apply for more?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 04:37:46 PM
Got instant approval for CSP and CSR!! should apply for more?
Sure. Go for an ink plus or a ritz.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 25, 2016, 04:39:17 PM
Got instant approval for CSP and CSR!! should apply for more?
Of course!
BTW 5/24, CPC?
Sure. Go for an ink plus or a ritz.

ink is another pull but def Chase's next best card that is tough to get.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 04:46:22 PM


ink is another pull but def Chase's next best card that is tough to get.

Ink plus and Ritz are the two >$1000 offers left after CSR and CSP.
Title: Re: Chase Sapphire Reserve
Post by: MasterAmex on August 25, 2016, 04:48:23 PM
Sure. Go for an ink plus or a ritz.
Ink will be another pull, worth to give a shot for another pull?
Title: Re: Chase Sapphire Reserve
Post by: MasterAmex on August 25, 2016, 04:48:58 PM
Ink will be another pull, worth to give a shot for another pull?
Chase would approve more than 2 cards per day?
Title: Re: Chase Sapphire Reserve
Post by: MasterAmex on August 25, 2016, 04:50:04 PM
Of course!
BTW 5/24, CPC?ink is another pull but def Chase's next best card that is tough to get.
think by now with those 2 cards i am past 5/24.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 04:51:56 PM
Ink will be another pull, worth to give a shot for another pull?
Yes, IMO. A pull won't kill you.
Chase would approve more than 2 cards per day?
With pushing.
think by now with those 2 cards i am past 5/24.
That shouldn't kill you.
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 25, 2016, 04:54:26 PM
think by now with those 2 cards i am past 5/24.
So, No.
Yes, IMO. A pull won't kill you.

+1
IMO one of the best cards out there to keep. (As long as that 5x stays)
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 25, 2016, 05:20:45 PM
If recon says they gotta send it up to senior advisor and will take 7-10 days for final decision and when you call # it says 7-10 does that mean denied or in recon is different?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 25, 2016, 05:25:32 PM
Do a big AOR today, and only open 4 more cards for the next 24 months.

Personally, I think anyone planning 24 months down the line in this game is nuts, but that's just me.
CPC restarts your 5/24 or just a one time override?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 25, 2016, 05:25:56 PM
If recon says they gotta send it up to senior advisor and will take 7-10 days for final decision and when you call # it says 7-10 does that mean denied or in recon is different?
recon is different
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 05:27:37 PM
CPC restarts your 5/24 or just a one time override?
What does CPC have to do with anything?
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 25, 2016, 05:44:57 PM
why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))

Do you have kids?  My kids sleepaway coded as travel on my CSP card, if you want to use it to make a camp deposit.
Title: Re: Chase Sapphire Reserve
Post by: Issac Karahod on August 25, 2016, 05:53:24 PM
DW got instantly approved online. She's 2/24.

I got the "we'll let you know in 30 days email". I'm about 6/24. May the Force be with us...always.

Wait it out or call recon?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 05:57:51 PM
DW got instantly approved online. She's 2/24.

I got the "we'll let you know in 30 days email". I'm about 6/24. May the Force be with us...always.

Wait it out or call recon?
Email is irrelevant. Call status line (number in chase recon wiki) and hear what they say.
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 25, 2016, 05:59:16 PM
What does CPC have to do with anything?
Gotcha...my bad
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 25, 2016, 05:59:45 PM
Do you have kids?  My kids sleepaway coded as travel on my CSP card, if you want to use it to make a camp deposit.
For sure a major YMMV but great DP.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 25, 2016, 07:00:47 PM
Just got a couple of recon'ed approvals through your links, Dan.

Sorry about the two I did last week, but recon is a headache.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 25, 2016, 09:57:20 PM
Can someone provide a link to guide me through removing AU accounts from my credit report?
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 25, 2016, 10:10:14 PM
Can someone provide a link to guide me through removing AU accounts from my credit report?
I don't have a link... But, each CB has a link on their page to dispute the report. If you go to Experian's website and scroll down a bit, there's a button that says disputes. On the next page you want to start a new dispute. Once you hit that, you'll need to give your info and confirm identity. Then on the report, there will be a list of accounts and to the right of that, each account will have a button that says dispute. You'll need to choose a reason for the dispute, such as 'not my account'.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 25, 2016, 10:11:44 PM
I don't have a link... But, each CB has a link on their page to dispute the report. If you go to Experian's website and scroll down a bit, there's a button that says disputes. On the next page you want to start a new dispute. Once you hit that, you'll need to give your info and confirm identity. Then on the report, there will be a list of accounts and to the right of that, each account will have a button that says dispute. You'll need to choose a reason for the dispute, such as 'not my account'.
Do I have to remove myself as AU with bank first? How quickly will the report be updated?
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 25, 2016, 10:11:47 PM
any data if PGGM or MPX works for the $300 credit?
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 25, 2016, 10:13:22 PM
Do I have to remove myself as AU with bank first? How quickly will the report be updated?
No. Each CB is different. I believe Experian can take up to 30 days.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 25, 2016, 10:14:38 PM
No. Each CB is different. I believe Experian can take up to 30 days.
OK. Which CB does chase pull in NJ?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 25, 2016, 10:18:37 PM
OK. Which CB does chase pull in NJ?
EX (TU)
Title: Re: Chase Sapphire Reserve
Post by: meme on August 25, 2016, 10:22:09 PM
EX (TU)
Why (TU)? Sometimes they pull both?
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 25, 2016, 10:24:28 PM
Why (TU)? Sometimes they pull both?
http://forums.dansdeals.com/index.php?topic=6373.msg1516281#msg1516281
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 25, 2016, 10:25:33 PM
Which agency are they pulling reports from for Maryland, anybody know?

Equifax is most common, but reports of them pulling all three (not at once).

Does mileage plus x purchase count toward travel spending redemption to get at 1.5 cpp?

No, only amex codes it as travel.

why i should do it? not planing to travel anywhere till december so what else can i do with it? (any pggm? ;))

Be creative, any travel purchase will work so I'm sure you can think of something.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 25, 2016, 10:26:32 PM
No. Each CB is different. I believe Experian can take up to 30 days.
I believe mine took much less but I won't be able to check for a few days.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 25, 2016, 11:32:42 PM
So to be clear, I don't have to actually remove myself as AU? Just call CB and remove from report?
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 26, 2016, 12:06:04 AM
If the only accounts where I am an AU are Chase accounts, will that help me because they will see within their own systems, that they aren't my card?
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 26, 2016, 12:18:21 AM
So to be clear, I don't have to actually remove myself as AU? Just call CB and remove from report?
Correct.
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 26, 2016, 12:20:04 AM
If the only accounts where I am an AU are Chase accounts, will that help me because they will see within their own systems, that they aren't my card?
Not necessarily. The rep that I spoke to knew they were Chase cards and that I was just an AU. She was arguing the point that I have just as much access to the credit line.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 12:32:49 AM
If the only accounts where I am an AU are Chase accounts, will that help me because they will see within their own systems, that they aren't my card?
Recon can see if you are an AU even on non Chase accounts. If you are under 5/24 besides for AU accounts ask them to check how many are yours and how many are AU.

If you are referring to instant approval CMIIW they will still count even if they are from Chase.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 12:40:03 AM
Not necessarily. The rep that I spoke to knew they were Chase cards and that I was just an AU. She was arguing the point that I have just as much access to the credit line.
If the denial was for 5/24 then your total credit has nothing to do with it and they shouldn't use that argument. (If you are at your maximum total CL they should allow you to shift CL to get approved.)
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 26, 2016, 12:43:34 AM
If the denial was for 5/24 then your total credit has nothing to do with it and they shouldn't use that argument. (If you are at your maximum total CL they should allow you to shift CL to get approved.)
The point is that she was claiming AU's are counted as part of 5/24 since essentially you have power over that credit line. Nothing to do with my personal credit limit.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 12:48:22 AM
The point is that she was claiming AU's are counted as part of 5/24 since essentially you have power over that credit line. Nothing to do with my personal credit limit.
Aha.
Is this common? I thought most reps will accept AU accounts.

(My problem was that the rep claimed that my Amex AU accounts were individual accounts although when I looked at my report months later they showed up as AU)
Title: Re: Chase Sapphire Reserve
Post by: smiles on August 26, 2016, 12:55:31 AM
Aha.
Is this common? I thought most reps will accept AU accounts.

(My problem was that the rep claimed that my Amex AU accounts were individual accounts although when I looked at my report months later they showed up as AU)
I have no idea. It seems to be YMMV, each rep interprets the rules according to his understanding. She was being very stubborn that if I am able to swipe a card, I should be accountable for it, i.e. should be on my credit report. Doesn't matter who actually pays the bills.

She did however let me go when I offered to transfer credit from an existing card. She just dropped her argument and focused on shifting credit. It was very odd. I dunno what prompted the change of heart but I'm thankful 8)
Title: Re: Chase Sapphire Reserve
Post by: tanipollak on August 26, 2016, 01:04:18 AM
I decided to go into a chase bank. First time going in and asked if I was pre-approved for reserve and she seemed like she was a newbie. She told me yes I was pre-approved and then she had to call cc dept as I asked to downgrade sapphire preffered to unlimited but they told her I can only downgrade to regular sapphire. I told her to submit the application and then she told me the 7-10 day shpiel and I'll get a letter in the email saying the result.!! I then signed and got the disclosure of credit card.

If I applied online and got pending application 7-10 days and then 2 days later went into branch and she said I was pre approved and I got the same result then what is going to happen? Any chance the in person one at bank gets approved?
Title: Re: Chase Sapphire Reserve
Post by: rochk123 on August 26, 2016, 06:05:12 AM
Can someone please explain to me what the whole hype is about this card? I get that its really cool because of all the  100,000 points sign up offer, the free lounges, 1.5% etc... but it still has an annual fee or $450! So after the first year if you don't use it so often your still getting paying $150 ( $300 back for traveling)  for the card?
Are people plan on getting the benefits and then canceling after the first year or two?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 26, 2016, 06:44:05 AM
Can someone please explain to me what the whole hype is about this card? I get that its really cool because of all the  100,000 points sign up offer, the free lounges, 1.5% etc... but it still has an annual fee or $450! So after the first year if you don't use it so often your still getting paying $150 ( $300 back for traveling)  for the card?
Are people plan on getting the benefits and then canceling after the first year or two?
You can get two 300 credits in the first year.

Remember what type of forum this is. They would buy/sell/trade their own mother for the right amount of points. I mean that in the nicest way.  :)
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 26, 2016, 07:08:03 AM
You can get two 300 credits in the first year.

Remember what type of forum this is. They would buy/sell/trade their own mother for the right amount of points. I mean that in the nicest way.  :)

Title: Re: Chase Sapphire Reserve
Post by: AJK on August 26, 2016, 07:13:53 AM
Can someone please explain to me what the whole hype is about this card? I get that its really cool because of all the  100,000 points sign up offer, the free lounges, 1.5% etc... but it still has an annual fee or $450! So after the first year if you don't use it so often your still getting paying $150 ( $300 back for traveling)  for the card?
Are people plan on getting the benefits and then canceling after the first year or two?
$55 more than a Sapphire Preferred gets you lounge access, 1.5 cpm, and 3x. No brainer for that.
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 26, 2016, 09:50:27 AM
Late to the party and wiki is contradictory. 5/24 is YMMV? Are all the shticks people doing in advance actually helpful? (Pre-approved, Private Client, closing accounts, etc.)
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 26, 2016, 09:52:14 AM
Late to the party and wiki is contradictory. 5/24 is YMMV? Are all the shticks people doing in advance actually helpful? (Pre-approved, Private Client, closing accounts, etc.)
Branch pre-approved seems best chance if over 5/24. Then Private Client.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 09:52:24 AM
Late to the party and wiki is contradictory. 5/24 is YMMV? Are all the shticks people doing in advance actually helpful? (Pre-approved, Private Client, closing accounts, etc.)
Private Client or Pre approved in branch have very good success rates.
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 26, 2016, 09:56:39 AM
Thanks guys. Pre-approved just means sitting with any banker and asking them to check?
What's the lowest $ amount people have reported getting PC with?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 10:05:46 AM
Thanks guys. Pre-approved just means sitting with any banker and asking them to check?
Yes but you want to make sure you are really pre-approved and that they didn't just find an online offer. Some people just ask if they are pre-approved for any Chase cards and see if Banker says SR.

What's the lowest $ amount people have reported getting PC with?
If you figure this out let me know. Or you can get CPC and then meet me at the local Chase to open a free safe deposit box :)
Title: Re: Chase Sapphire Reserve
Post by: mordyl19 on August 26, 2016, 10:21:46 AM
Applied Online this morning, received a pending message that I will hear back in 30 days.
I immediately called Chase Recon and after 22 minutes, two different departments, and general application verification I am approved. It was very easy and I didn't have to transfer any CL's from other cards.

If I only applied for that card; can I now apply for the Ritz card or another chase card and only have it as 1 pull or did I miss the window?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 26, 2016, 10:23:26 AM
Applied Online this morning, received a pending message that I will hear back in 30 days.
I immediately called Chase Recon and after 22 minutes, two different departments, and general application verification I am approved. It was very easy and I didn't have to transfer any CL's from other cards.

If I only applied for that card; can I now apply for the Ritz card or another chase card and only have it as 1 pull or did I miss the window?
Go ahead
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 10:23:37 AM
You can still apply for other cards.
Title: Re: Chase Sapphire Reserve
Post by: mordyl19 on August 26, 2016, 10:24:51 AM
Thank you
Title: Re: Chase Sapphire Reserve
Post by: asks on August 26, 2016, 10:38:21 AM
Applied Online this morning, received a pending message that I will hear back in 30 days.
I immediately called Chase Recon and after 22 minutes, two different departments, and general application verification I am approved. It was very easy and I didn't have to transfer any CL's from other cards.

You must be under 5/24 then
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 10:41:13 AM
You must be under 5/24 then
-1. Plenty of 5/24 successes online. It's YMMV.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 26, 2016, 10:43:44 AM
So to be clear, I don't have to actually remove myself as AU? Just call CB and remove from report?
Just hung up with annoying Equifax rep, she said she cannot remove AU from her end, have to contact bank first  (and chewed off my ear afterward trying to sell me a subscription, btw they can see from their end that I am using credit karma). Should I HUCA?
Title: Re: Chase Sapphire Reserve
Post by: MrPrime1 on August 26, 2016, 11:03:07 AM
applied in branch, way over 5/24 and rep said he will submit special consideration form for me. got the 7-10 day message, should ic all recon or wait it out???
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 26, 2016, 11:12:23 AM
I got this message
"Thanks for applying.
We need to review your application a little longer.


We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.

Thanks for choosing Chase Sapphire ReserveSM."
When do you get a # so that you can call recon
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 26, 2016, 11:20:12 AM
Applied Online this morning, received a pending message that I will hear back in 30 days.
I immediately called Chase Recon and after 22 minutes, two different departments, and general application verification I am approved. It was very easy and I didn't have to transfer any CL's from other cards.

If I only applied for that card; can I now apply for the Ritz card or another chase card and only have it as 1 pull or did I miss the window?
Did you get a # for your application or you used your SS
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 11:21:14 AM
Did you get a # for your application or you used your SS
Makes no difference.
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 26, 2016, 11:27:47 AM
Makes no difference.
Just called said declined too many cards in the last 2 years. Will HUCA help.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 26, 2016, 11:30:49 AM
applied in branch, way over 5/24 and rep said he will submit special consideration form for me. got the 7-10 day message, should ic all recon or wait it out???
special recon form is over.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 11:33:16 AM
special recon form is over.
My banker told me he can still access it for personal and business.
Title: Re: Chase Sapphire Reserve
Post by: MrPrime1 on August 26, 2016, 11:37:34 AM
special recon form is over.

was told they recently brought it back
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 26, 2016, 11:47:01 AM
just got approved.
at first i got declined and was told why would i want to open it up etc... (i just opened 3 chase card in the past 2 weeks, got declined on all of them, called up and got approved for 2 of them. signed up for csr today and got declined, i called up and after 10 min i was approved :)  )
Title: Re: Chase Sapphire Reserve
Post by: asks on August 26, 2016, 11:50:12 AM
just got approved.
at first i got declined and was told why would i want to open it up etc... (i just opened 3 chase card in the past 2 weeks, got declined on all of them, called up and got approved for 2 of them. signed up for csr today and got declined, i called up and after 10 min i was approved :)  )
...so with 3 cards in last few weeks, safe to say you are way over 5/24? Who did you speak to, regular recon?
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 26, 2016, 12:09:08 PM
Anyone got the card that for approved this week?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 12:11:21 PM
Anyone got the card that for approved this week?
Mine is coming today.
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 26, 2016, 12:12:07 PM
Mine is coming today.

How do you know? Did they give you a tracking number?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 26, 2016, 12:13:15 PM
UPS MC method.
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 26, 2016, 12:16:47 PM
...so with 3 cards in last few weeks, safe to say you are way over 5/24? Who did you speak to, regular recon?

i applied for 3 2 weeks ago (only got approved for 2 of them)
they were all chase business cards. if you count business cards i am way over 5/24
luckily they dont :)
thats why i opened up a few chase business cards before my last regular chase card for the next 2 years
Title: Re: Chase Sapphire Reserve
Post by: Dr Moose on August 26, 2016, 12:17:08 PM
UPS MC method.
Whoa, the UPS method works for this cars also?!?!
Title: Re: Chase Sapphire Reserve
Post by: asks on August 26, 2016, 12:19:32 PM
i applied for 3 2 weeks ago (only got approved for 2 of them)
they were all chase business cards. if you count business cards i am way over 5/24
luckily they dont :)
thats why i opened up a few chase business cards before my last regular chase card for the next 2 years
OK, so again getting approved for under 5/24. Not hearing about many approvals for over 5/24, even though Dan is saying there are?
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 26, 2016, 12:20:07 PM
Mine is coming today.
Could it be you did not open more than 5 CC in the last 24 months LOL
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 26, 2016, 12:20:57 PM
Applied Online this morning, received a pending message that I will hear back in 30 days.
I immediately called Chase Recon and after 22 minutes, two different departments, and general application verification I am approved. It was very easy and I didn't have to transfer any CL's from other cards.

If I only applied for that card; can I now apply for the Ritz card or another chase card and only have it as 1 pull or did I miss the window?
Originally being flagged for verification is a good thing. If the system verifies you, processes your application, and then declines you for 5/24, you're in trouble. Much better to do verification and processing on phone with rep.
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 26, 2016, 12:21:05 PM
OK, so again getting approved for under 5/24. Not hearing about many approvals for over 5/24, even though Dan is saying there are?
I just got declined for that reason. Dan has mentioned that other were successful.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 26, 2016, 12:22:52 PM
Anyone got the card that for approved this week?
People that applied Monday had card on Wednesday.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 26, 2016, 12:29:56 PM
if you count business cards i am way over 5/24
luckily they dont :)
Wrong, chase counts their own business cards toward 5/24.
Title: Re: Chase Sapphire Reserve
Post by: asks on August 26, 2016, 12:32:06 PM
Originally being flagged for verification is a good thing. If the system verifies you, processes your application, and then declines you for 5/24, you're in trouble. Much better to do verification and processing on phone with rep.
For existing Chase cardholders, unlikely to be flagged for verification.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 26, 2016, 12:33:57 PM
For existing Chase cardholders, unlikely to be flagged for verification.
-1
Title: Re: Chase Sapphire Reserve
Post by: Aerial Dag on August 26, 2016, 12:37:26 PM
People that applied Monday had card on Wednesday.

Applied and approved Monday morning, have not received my card yet.
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 26, 2016, 12:39:00 PM
Wrong, chase counts their own business cards toward 5/24.

so according to you i am way over 5/24 and i got approved.

i guess it was thanks to my smooth talking with the phone rep :)
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 26, 2016, 12:44:00 PM
Wrong, chase counts their own business cards toward 5/24.
There have been countless Reddit reports of people being approved when over 5/24 including business cards but under 5/24 without.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on August 26, 2016, 12:44:54 PM
Can family members be added to chase private client status online?
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 26, 2016, 12:45:15 PM
OK, so again getting approved for under 5/24. Not hearing about many approvals for over 5/24, even though Dan is saying there are?
Dan is forsure over 5/24!
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 26, 2016, 01:34:08 PM
Dan is forsure over 5/24!
CPC.
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 26, 2016, 01:35:58 PM
Mine is coming today.
Got mine yesterday, came in a UPS Package.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 26, 2016, 01:39:46 PM
There have been countless Reddit reports of people being approved when over 5/24 including business cards but under 5/24 without.
I wasn't aware of that but officially they do count towards 5/24.
Title: Re: Chase Sapphire Reserve
Post by: GUY436 on August 26, 2016, 01:43:13 PM
can anyone that received the card tell me where it was delivered from?
got a UPS package today, might be it, but im out of the country until next week.
Title: Re: Chase Sapphire Reserve
Post by: asks on August 26, 2016, 01:51:35 PM
-1
Please explain
Title: Re: Chase Sapphire Reserve
Post by: mers1 on August 26, 2016, 04:27:44 PM
Is it better to lower CL on other chase cards to increase the chance of instant approval or leave it? Way over 5/24
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 26, 2016, 04:46:07 PM
can anyone that received the card tell me where it was delivered from?
got a UPS package today, might be it, but im out of the country until next week.
Returns are to

Building 380
340 S Cleveland Ave
Westerville, OH 43081
Please explain

Nothing to explain. I've had plenty of apps with current cardholders that were pending with 7-10 day message for verification.
Title: Re: Chase Sapphire Reserve
Post by: cf on August 26, 2016, 04:59:22 PM
can anyone that received the card tell me where it was delivered from?
got a UPS package today, might be it, but im out of the country until next week.
Mine came with ups.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 26, 2016, 05:07:42 PM
Wife got her card. I didn't apply Cos I am 6/24. What happens if I charge her reserve card for  my car rental am I am the driver ?  Do I. get  primary coverage that way?
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 26, 2016, 05:19:48 PM
OK, so again getting approved for under 5/24. Not hearing about many approvals for over 5/24, even though Dan is saying there are?
I do not have any of the ways around 5/24 and got hard decline, I was told I am at 21/24 :D,  it seems very YMMV
Title: Re: Chase Sapphire Reserve
Post by: 12HRS on August 26, 2016, 05:22:13 PM
I do not have any of the ways around 5/24 and got hard decline, I was told I am at 21/24 :D,  it seems very YMMV

3 more to go
Title: Re: Chase Sapphire Reserve
Post by: deltastubs on August 26, 2016, 05:29:50 PM
Got shot down way too fast

threw ina fairmont which is not supposed to be 5 24, no go either

I think ill give them a day or two and then bug recon give a few more shots
Title: Re: Chase Sapphire Reserve
Post by: rsm1444 on August 26, 2016, 06:03:04 PM
I am around 9/24. Went to to the bank. banker couldn't find pre-approved offer i went ahead and tried my luck. The banker said i got 7 -10 day message.

not sure if i want to apply other cards that are not in 5/24 and risk not getting this approved while i call recon.
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 26, 2016, 06:12:47 PM
Don't have enough time to deal with pre-approved offer or attempting PC, so I applied for me and DW. Both got 7-10 but the emails said 30 days (which leads me further to believe there's no real difference). Called Recon and without even putting me on hold they said too many cards in past 24 months. Nu nu. Picked up Ritz cards for us to salvage the pull.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 26, 2016, 06:38:37 PM
Does Chase calculate 5/24 to the day or they round off the month?
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on August 26, 2016, 06:57:00 PM
Picked up Ritz cards for us to salvage the pull.

Did the same.
Title: Re: Chase Sapphire Reserve
Post by: 12HRS on August 26, 2016, 08:05:08 PM
anyone else see a plunge in ritz nights for sale prices coming
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 26, 2016, 08:40:54 PM
I was rejected on 8/22 due to 5/24 when I applied in branch. I had no CPC status and no pre-approval. I was told the decision was final. With nothing to lose, I went to another branch and asked to apply for CPC. I didn't meet the $250K requirement, but I was accepted anyway. The banker said CPC members get special treatment when it comes to bypassing 5/24 and today just called Chase for "special reconsideration" (a term he used). However, he just called me back and said that Chase no longer accepts banker calls for special recon, and that I had to call Chase.

When I called, the agent said that a decision of rejection had already been made, so I mentioned that my CPC banker told me that CPC members get special consideration. The agent then asked me some questions regarding income and occupation, put me on hold for about 5-10 minutes, then came back and said that I would get a decision in the mail in 1-2 wks. I again emphasized being CPC, and he said that’s the only reason I’m even getting a second look at this point.

I read one DP of someone else in a very similar situation whose new CPC banker was able to call (post-rejection) and get him approved. I'm wondering if there's something my CPC banker hasn't done.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on August 26, 2016, 09:38:48 PM
got denied on recon by the first and his supervisor due to " too many cards" in last 24 months and they said they can do NOTHING!

Well. fine, i have the ritz card that gives me lounge  and primary car rental. MY wife got her Reserve so not a big deal. Can she add me as a joint user so I get same befit as her including primary rental coverage when i rent?
Title: Re: Chase Sapphire Reserve
Post by: talkitup90 on August 27, 2016, 12:47:28 AM
I was rejected on 8/22 due to 5/24 when I applied in branch. I had no CPC status and no pre-approval. I was told the decision was final. With nothing to lose, I went to another branch and asked to apply for CPC. I didn't meet the $250K requirement, but I was accepted anyway. The banker said CPC members get special treatment when it comes to bypassing 5/24 and today just called Chase for "special reconsideration" (a term he used). However, he just called me back and said that Chase no longer accepts banker calls for special recon, and that I had to call Chase.

When I called, the agent said that a decision of rejection had already been made, so I mentioned that my CPC banker told me that CPC members get special consideration. The agent then asked me some questions regarding income and occupation, put me on hold for about 5-10 minutes, then came back and said that I would get a decision in the mail in 1-2 wks. I again emphasized being CPC, and he said that’s the only reason I’m even getting a second look at this point.

I read one DP of someone else in a very similar situation whose new CPC banker was able to call (post-rejection) and get him approved. I'm wondering if there's something my CPC banker hasn't done.

Best of luck with the CSR! Out of curiosity, roughly how much are your total funds with Chase? Over 100k? Annual income? I wanna give CPC a go, but don't have $250k with them.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 27, 2016, 09:31:18 AM

Best of luck with the CSR! Out of curiosity, roughly how much are your total funds with Chase? Over 100k? Annual income? I wanna give CPC a go, but don't have $250k with them.

Total assets about $110-115k. He didn't ask my income but maybe he saw potential in me since I went in scrubs after work and my Ink account says "dr". .
Title: Re: Chase Sapphire Reserve
Post by: talkitup90 on August 27, 2016, 10:54:36 AM
Total assets about $110-115k. He didn't ask my income but maybe he saw potential in me since I went in scrubs after work and my Ink account says "dr". .

Nice! So, $110-$115 total assets with Chase or total assets overall?
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 27, 2016, 11:01:55 AM
Nice! So, $110-$115 total assets with Chase or total assets overall?

I have more with other banks/brokerages, but he didn't know that when he agreed to sign me up.
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 27, 2016, 11:57:16 AM
SO applied online got app pending. Immediately recon'd and got instant rejection for 5/24. HUCA'd , spoke to a nice rep, mentioned AU's , but rep said still over 5/24. We live in Israel and don't have CPC, both excellent credit.

- has anyone had success being over 5/24 with phone recon - no branch recon?

- I am also way over 5/24.... any point of applying or will I just automatically be rejected as well? Should I try to recon immediately if I get pending? I read on some blogs to wait it out to see if app could be auto-approved after pending review message..
Title: Re: Chase Sapphire Reserve
Post by: rochk123 on August 27, 2016, 04:56:45 PM
You can get two 300 credits in the first year.
Great, now what?
I dont mean to sound negative but you are still paying $450 for first year and then $450 for the second year. So its not like your making any money in the long run because now it seems like your getting a great deal, but your still end of up paying $300 for two years ( $150 + 150)



Title: Re: Chase Sapphire Reserve
Post by: rochk123 on August 27, 2016, 04:58:48 PM
$55 more than a Sapphire Preferred gets you lounge access, 1.5 cpm, and 3x. No brainer for that.

Thanks for explaining, you have point there! Also doesn't the lounge access include anyone traveling with you as well?
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 27, 2016, 07:15:19 PM
Great, now what?
I dont mean to sound negative but you are still paying $450 for first year and then $450 for the second year. So its not like your making any money in the long run because now it seems like your getting a great deal, but your still end of up paying $300 for two years ( $150 + 150)
To explain the math , it's pretty simple.
$450 AF - $600 in travel credits for '16 & '17 = -$150 .
On top of that 3x on travel.
Lol. Who pays for a second year AF anyways ?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 27, 2016, 09:33:09 PM
To explain the math , it's pretty simple.
$450 AF - $600 in travel credits for '16 & '17 = -$150 .
On top of that 3x on travel.
Lol. Who pays for a second year AF anyways ?
i would love to be able to pay the second year AF on this card!
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 27, 2016, 09:34:28 PM


Lol. Who pays for a second year AF anyways ?
Who pays a first?

Title: Re: Chase Sapphire Reserve
Post by: sb5917 on August 27, 2016, 09:55:20 PM
applied Tuesday and didnt get my card yet
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 27, 2016, 10:58:57 PM
I went in branch and have not been pre-approved so just want to check if not pre-approved should just apply online becuase there isn't a benefit to apply in branch?
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 28, 2016, 12:16:48 AM
3 more to go
I just locked in 2 more with citi over the past week (I am banking on doc)- so only 1 more now ::)
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 28, 2016, 12:17:55 AM
Nu nu. Picked up Ritz cards for us to salvage the pull.
Did you get auto approved for that or reconed or assuming you will get it?
Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 28, 2016, 12:18:34 AM
Which airline gift cards work for the travel credit?
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 28, 2016, 12:20:14 AM
Did you get auto approved for that or reconed or assuming you will get it?
Recon, but was quick and easy.
Title: Re: Chase Sapphire Reserve
Post by: yyss on August 28, 2016, 12:20:42 AM
does anyone know if a purchase on the united app would qualify as a travel expense as it does on the amex plat?
Title: Re: Chase Sapphire Reserve
Post by: mendy613 on August 28, 2016, 12:21:52 AM
does anyone know if a purchase on the united app would qualify as a travel expense as it does on the amex plat?

No i wont. Only Amex recognises like that because of how it codes.
Title: Re: Chase Sapphire Reserve
Post by: mord1 on August 28, 2016, 12:23:01 AM
Recon, but was quick and easy.
ok, I will have to do that, I don't like calling recon with multiple apps outstanding, I have found it makes it so much harder, I actually did hyatt, I think we should start a non cpc and cant get sapphire reserve club, it seems like most people here are getting it!
Title: Re: Chase Sapphire Reserve
Post by: yyss on August 28, 2016, 12:27:18 AM
No i wont. Only Amex recognises like that because of how it codes.
thanks
Title: Re: Chase Sapphire Reserve
Post by: 12HRS on August 28, 2016, 12:27:23 AM
got denied on recon by the first and his supervisor due to " too many cards" in last 24 months and they said they can do NOTHING!

Well. fine, i have the ritz card that gives me lounge  and primary car rental. MY wife got her Reserve so not a big deal. Can she add me as a joint user so I get same befit as her including primary rental coverage when i rent?

chase doesn't do joint accounts on credit cards i believe
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 01:21:36 AM
SO applied online got app pending. Immediately recon'd and got instant rejection for 5/24. HUCA'd , spoke to a nice rep, mentioned AU's , but rep said still over 5/24. We live in Israel and don't have CPC, both excellent credit.

- has anyone had success being over 5/24 with phone recon - no branch recon?

- I am also way over 5/24.... any point of applying or will I just automatically be rejected as well? Should I try to recon immediately if I get pending? I read on some blogs to wait it out to see if app could be auto-approved after pending review message..
Anyone?
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 01:22:43 AM
Also, the rep was very nice. He said it wasn't public information but there may be some changes to 5/24 next month. No idea how legit that is, but it is what he told me.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 28, 2016, 01:28:04 AM
Also, the rep was very nice. He said it wasn't public information but there may be some changes to 5/24 next month. No idea how legit that is, but it is what he told me.
For the better or the worse?
Title: Re: Chase Sapphire Reserve
Post by: 12HRS on August 28, 2016, 01:28:16 AM
For the better or the worse?

that was my thought
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 28, 2016, 01:29:11 AM
that was my thought
It can't get worse
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 28, 2016, 01:29:25 AM
For the better or the worse?
how much worse do you think they're willing to make it? They can't preclude the entire world from getting chase cards.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 28, 2016, 01:29:58 AM
It can't get worse
LOL
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 01:32:10 AM
It can't get worse
Lol. He was saying better. Since SO credit perfect, and long history with chase. Yet unable to approve. Next month this rule may be change to approve customers like yourself, but for now nothing I can do.

I am a bit late so going thru this thread now, but if anyone can give any data points of people being either instant or recon approved while over 5/24 (excluding AU, etc). LMK. I just counted yesterday and I am 11/24...

ETA: with no CPC...
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 28, 2016, 01:32:25 AM
how much worse do you think they're willing to make it? They can't preclude the entire world from getting chase cards.
If there exist any "workarounds" to 5/24, then by definition it can get worse.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 28, 2016, 01:39:13 AM
If there exist any "workarounds" to 5/24, then by definition it can get worse.
Point taken.
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 28, 2016, 06:22:44 AM
SO applied online got app pending. Immediately recon'd and got instant rejection for 5/24. HUCA'd , spoke to a nice rep, mentioned AU's , but rep said still over 5/24. We live in Israel and don't have CPC, both excellent credit.

- has anyone had success being over 5/24 with phone recon - no branch recon?

- I am also way over 5/24.... any point of applying or will I just automatically be rejected as well? Should I try to recon immediately if I get pending? I read on some blogs to wait it out to see if app could be auto-approved after pending review message..

If your SO is over 5/24 because of AUs, I would definitely HUCA. Chase seems to be more lax with AUs lately, but you have to go through recon.

There's been data points of people over 5/24 being approved via phone recon but there's probably some information we don't have as to what increases the likelihood. More approvals have come about by going into the branch after online denial. I know that's not an option for you. 

Last question is more a personal choice. Do you care about an inquiry if denied? Are you planning on applying for a different Chase card if denied like Hyatt, IHG, etc?
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 07:14:53 AM
5/24 really exists ?
I opened up 4 cards in the past 2 weeks.
Got denied for all of them. I called up and got approved for 3 of them. Sometimes it takes a few phone calls but if your nice to the rep and say the benefits that u need from the card and ask them to move credit line. I don't see why anyone can't get approved
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 28, 2016, 07:17:20 AM
5/24 really exists ?
I opened up 4 cards in the past 2 weeks.
Got denied for all of them. I called up and got approved for 3 of them. Sometimes it takes a few phone calls but if your nice to the rep and say the benefits that u need from the card and ask them to move credit line. I don't see why anyone can't get approved
Which 3 were you approved for ?
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 07:30:02 AM
Southwest marriott and csr
Title: Re: Chase Sapphire Reserve
Post by: noturbizniss on August 28, 2016, 08:18:40 AM
Southwest marriott and csr
And how many new cards have u had in last 24?
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 08:27:00 AM


If your SO is over 5/24 because of AUs, I would definitely HUCA. Chase seems to be more lax with AUs lately, but you have to go through recon.

There's been data points of people over 5/24 being approved via phone recon but there's probably some information we don't have as to what increases the likelihood. More approvals have come about by going into the branch after online denial. I know that's not an option for you. 

Last question is more a personal choice. Do you care about an inquiry if denied? Are you planning on applying for a different Chase card if denied like Hyatt, IHG, etc?

Thanks for reply. Over 5/24 on individual accounts (not b.c. of AU). Only option for us is phone recon as u said..  but if ppl are getting approved via phone recon without CPC or anything else special this is good to know...

What do you mean care about inquiry if denied? We believe the CSR trumps all other cards / offers and we can stay busy with spend thresholds for at least a few months on it.... I would ideally like to open CSR for me, SO , both parents and my brother. :)
Title: Re: Chase Sapphire Reserve
Post by: GettingReady on August 28, 2016, 09:09:01 AM

Thanks for reply. Over 5/24 on individual accounts (not b.c. of AU). Only option for us is phone recon as u said..  but if ppl are getting approved via phone recon without CPC or anything else special this is good to know...

What do you mean care about inquiry if denied? We believe the CSR trumps all other cards / offers and we can stay busy with spend thresholds for at least a few months on it.... I would ideally like to open CSR for me, SO , both parents and my brother. :)

There are *some* people getting approved via phone recon that are not CPCs. Since that's the only option in your case, you might as well try or find someone who's good at recon to call for you. :)

Many people here say the number of inquiries on your credit report is over-rated. Other people don't like an inquiry without a card. Different strategies have been utilized. It just personal preference.

1. Apply for CC, if denied apply for different CC from same issuer to get the pulls combined and possibly get at least one CC. (If done on the same day and both are personal cards)
2 Apply for CC, if approved, apply for another CC from same issuer to get the pulls combined and possibly get two new CCs. (If done on the same day and both are personal cards).
3. Apply for CC, stop there.

I thought you had already applied and it went to recon, but based on your last sentence it sounds like you haven't applied yet.

Title: Re: Chase Sapphire Reserve
Post by: stern0m1 on August 28, 2016, 09:16:11 AM
Any one know how long it takes to get the travel credit?
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 09:30:50 AM
And how many new cards have u had in last 24?

if you include business cards then I am way over 5/24  :P
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 28, 2016, 09:36:33 AM


5/24 really exists ?
I opened up 4 cards in the past 2 weeks.
Got denied for all of them. I called up and got approved for 3 of them. Sometimes it takes a few phone calls but if your nice to the rep and say the benefits that u need from the card and ask them to move credit line. I don't see why anyone can't get approved

If you didn't have 5 new accounts showing on your report, then the system didn't recognize you as 5/24. Additionally, if you 3BMed when you were under 5/24, the system didn't recognize any of the applications as 5/24 at time of application. Kapisch?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 28, 2016, 10:02:40 AM
You can 3bm card #s 5,6,and 7?
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 10:21:57 AM
There are *some* people getting approved via phone recon that are not CPCs. Since that's the only option in your case, you might as well try or find someone who's good at recon to call for you. :)

Many people here say the number of inquiries on your credit report is over-rated. Other people don't like an inquiry without a card. Different strategies have been utilized. It just personal preference.

1. Apply for CC, if denied apply for different CC from same issuer to get the pulls combined and possibly get at least one CC. (If done on the same day and both are personal cards)
2 Apply for CC, if approved, apply for another CC from same issuer to get the pulls combined and possibly get two new CCs. (If done on the same day and both are personal cards).
3. Apply for CC, stop there.

I thought you had already applied and it went to recon, but based on your last sentence it sounds like you haven't applied yet.
Thanks! that was very helpful.

SO already applied and denied after 2 recon calls, both citing 5/24. Since I am 11/24 just trying to understand what my strategy should be and if it's possible to get SO approved...
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 11:00:29 AM

If you didn't have 5 new accounts showing on your report, then the system didn't recognize you as 5/24. Additionally, if you 3BMed when you were under 5/24, the system didn't recognize any of the applications as 5/24 at time of application. Kapisch?

I applied for a whole bunch of cards 2 weeks ago.
Then I applied for the csr this past Friday

Are there systems really 2 weeks behind ?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 28, 2016, 11:01:09 AM
I applied for a whole bunch of cards 2 weeks ago.
Then I applied for the csr this past Friday

Are there systems really 2 weeks behind ?
They were all business cards.
Title: Re: Chase Sapphire Reserve
Post by: Geshmak25 on August 28, 2016, 11:02:22 AM
Does CPC help for online app or only in-branch?
Title: Re: Chase Sapphire Reserve
Post by: meme on August 28, 2016, 11:16:49 AM
Any word as to how long the 100k offer will be around?
Title: Re: Chase Sapphire Reserve
Post by: pinigee on August 28, 2016, 11:26:20 AM
Has anyone had luck having the card expedited? Tried calling
(800) 432-3117 but keep on getting the same answer "High demand" sorry we can't rush this card.. any other number I can call  to have better luck on this? Also they told me i do not need an extra card for priority pass I just show the reserve card and they will let me in while a other rep told I do need an priority pass card tht will ship after I receive my reserve card..
Title: Re: Chase Sapphire Reserve
Post by: DealChaser on August 28, 2016, 11:32:21 AM
Has anyone had luck having the card expedited? Tried calling
(800) 432-3117 but keep on getting the same answer "High demand" sorry we can't rush this card.. any other number I can call  to have better luck on this?
Doubtful. The Chase banker I spoke with yesterday said 2 weeks is the estimated time to get the card and that they simply aren't expediting right now.
Title: Re: Chase Sapphire Reserve
Post by: sb5917 on August 28, 2016, 12:14:00 PM
got approved Tuesday shipped today via ups
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 12:18:21 PM
They were all business cards.

that's what I thought about 5/24
but someone mentioned before that even if you have 5 business cards opened in the past 2 years. and then apply for a personal you will be declined
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on August 28, 2016, 02:19:37 PM
that's what I thought about 5/24
but someone mentioned before that even if you have 5 business cards opened in the past 2 years. and then apply for a personal you will be declined
Only if those business cards where chase
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 28, 2016, 02:41:59 PM
Only if those business cards where chase

and they were all chase
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 28, 2016, 03:29:50 PM
Bh approved for CSR, in branch, pre approved, over 5/24 not CPC.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 28, 2016, 03:30:28 PM
Bh approved for CSR, in branch, pre approved, over 5/24 not CPC.
+1 did that today 24k limit
Title: Re: Chase Sapphire Reserve
Post by: broketeacher on August 28, 2016, 03:30:56 PM
I thought I'd share my experience getting approved in case it helps one of you get approved.

I am 5/24 (with my oldest card approved in September 2014, so right on the cusp) and I'm not CPC, so I was denied.  I called recon a couple times, but no one was able to bypass the 5/24.  The third rep agreed that I should be approved (for the reasons listed below), but said it was out of his control.  I asked to speak with a supervisor, who ultimately approved my card for the following reasons:

1. (main reason) One of my 5 cards opened in the last 24 months was as store card (Neiman Marcus), so I said it shouldn't count towards the 5 cards max that people generally open for account bonuses - and the supervisor agreed.

2. Last month I opened a business checking account and deposited a nice amount of money.  I explained that I am entrusting my business's money with chase because I am committed to my relationship with them - and I hope they value their relationship with me and my business. 

3. I don't have a history of closing (most) of the cards that I open. I generally downgrade.

I did have to shuffle some credit around, but I got approved.  If any of the above reasons are relevant to you, give it a shot...
Title: Re: Chase Sapphire Reserve
Post by: sillypainter on August 28, 2016, 03:32:49 PM
I already posted about this, and I am not sure why I don't see more talk about this.

There is 2 departments in the lending services aka recon line. There is the front desk rep. that goes by the book, and they usually go by the book, then there is a senior rep. aka the supervisor. You need to ask for a senior rep. if you need anything.
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 28, 2016, 03:35:44 PM
and they were all chase
It is very possible that there is a 2 week lag, or more when it comes to recognizing new accounts.

For example, many times a new card will not show up on your credit report for over 2 weeks etc.

Or you may be one of those who got lucky, B"H.
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 28, 2016, 04:30:41 PM
Bh approved for CSR, in branch, pre approved, over 5/24 not CPC.

Applied for hyatt now, got 10 within 30 days message, is there any point in calling recon or my chances are the same if I wait it out?
Title: Re: Chase Sapphire Reserve
Post by: meirk on August 28, 2016, 04:38:23 PM
bh got approved for csr  online, no cpc, no pre approved and way over 5/24
asked to get it expedited and rep said np 2-3 business days
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 28, 2016, 04:48:16 PM
chase doesn't do joint accounts on credit cards i believe
-1
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 28, 2016, 05:03:38 PM
can we get the reserve if we have the shapphire perferd ?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 28, 2016, 05:05:38 PM


can we get the reserve if we have the shapphire perferd ?

No. It states clearly that anyone with a shapphire perferd is ineligible. However, if you currently have the Chase Sapphire Preferred card, you are eligible for this card.

Title: Re: Chase Sapphire Reserve
Post by: Dan on August 28, 2016, 05:15:02 PM

No. It states clearly that anyone with a shapphire perferd is ineligible. However, if you currently have the Chase Sapphire Preferred card, you are eligible for this card.
What does the Shpy do when he can't shtand?
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 28, 2016, 05:21:05 PM
bh got approved for csr  online, no cpc, no pre approved and way over 5/24
asked to get it expedited and rep said np 2-3 business days

To confirm, you went into a branch and they said you were not pre approved?
Title: Re: Chase Sapphire Reserve
Post by: ridingtime on August 28, 2016, 05:41:28 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
Title: Re: Chase Sapphire Reserve
Post by: Platinum on August 28, 2016, 05:53:27 PM
I am still waiting to hear if anyone had success after being declined because of 5/24.
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 28, 2016, 06:27:47 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b

REALLY helpful!  Thank you so much. The way you casually justified all the other travel cards (your reasoning is actually true for me as I do spend a ton on travel for my business) to get approved was great.  I checked and wasn't pre-approved in branch so I think I'm just gonna apply online and then call if I need to.  Thanks again.
Title: Re: Chase Sapphire Reserve
Post by: Menachem613 on August 28, 2016, 06:29:21 PM
If an application is pending, does it pay to wait and see or is it better to call recon right away?
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 28, 2016, 06:29:29 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
bh got approved for csr  online, no cpc, no pre approved and way over 5/24
asked to get it expedited and rep said np 2-3 business days
People, this is how you do it.
If you just write "I was approved!", its nice but it does not help much.
You, sir, are a data point. Congratulations.


Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 28, 2016, 06:35:11 PM
Applied for hyatt now, got 10 within 30 days message, is there any point in calling recon or my chances are the same if I wait it out?

Update: Called recon and approved for hyatt 🖒
Title: Re: Chase Sapphire Reserve
Post by: yossi621 on August 28, 2016, 07:28:57 PM
What does the Shpy do when he can't shtand?

lol, that reminds me of those comics I used to read as a kid that lubavitch would put out about shpy :)
Title: Re: Chase Sapphire Reserve
Post by: Maxdeck123 on August 28, 2016, 07:41:18 PM
Just a quick question....If I were to sign up for this card spend the necessary amount then cancel after the 3 months can i transfer the 100,000 points to my wife and not pay the AF?

thanks in advance
Title: Re: Chase Sapphire Reserve
Post by: meme on August 28, 2016, 07:47:49 PM
Any data if chase calculates  5/24 to the day or general month?
Title: Re: Chase Sapphire Reserve
Post by: jayhal on August 28, 2016, 07:59:43 PM
Can we buy Airline vouchers or gift cards to get the $300 credit? Also anyone have the link to get the priority pass? Can we do the TSA pre check right away or well have to wait?
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 28, 2016, 08:18:00 PM
so what cards is can u get approved if u got more then 5 cards for sure ?
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 28, 2016, 08:48:57 PM
so what cards is can u get approved if u got more then 5 cards for sure ?

 IHG, Hyatt, British Airways, Fairmont, Ritz-Carlton
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 28, 2016, 09:01:56 PM
IHG, Hyatt, British Airways, Fairmont, Ritz-Carlton
Wich one out of those 5 is best value?
Title: Re: Chase Sapphire Reserve
Post by: chinagel on August 28, 2016, 09:08:45 PM
Wich one out of those 5 is best value?
ritz
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 28, 2016, 09:19:29 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
Great post.
Thanks for linking
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 28, 2016, 09:21:08 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
Report back after the verification
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 28, 2016, 11:31:05 PM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
Excellent post. Super helpful!!! Unlike those who say  over and over they are approved with no additional info. :)
Title: Re: Chase Sapphire Reserve
Post by: DXD on August 29, 2016, 12:11:59 AM
All -

I am right at 5/24 until December. One of the 5 is a business card (non-Chase). Is that included in the count?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 29, 2016, 12:13:09 AM
All -

I am right at 5/24 until December. One of the 5 is a business card (non-Chase). Is that included in the count?
if it doesn't show in your credit report chase shouldn't be able to see it.
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 29, 2016, 01:52:34 AM
if it doesn't show in your credit report chase shouldn't be able to see it.
+1
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 01:53:25 AM
I tried to get my credit report from annualcreditreport.com, but they only let me see Transunion's report. They mentioned something about the security of my info, and said I would have to mail in form. I'm checking for 5/24 inquiries. Should Transunion be enough?

Also the credit limits for some of the cards don't seem to match exactly to any of the cards I would be on (even as AU)...Does authorized account as opposed to individual account mean I am only a secondary user?

Dan wrote "If you have opened additional user cards in the past 2 years you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card."

Is he referring to being an AU on someone else's account or adding someone else to your own account?

How do I have it removed?
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 29, 2016, 02:06:17 AM
if it doesn't show in your credit report chase shouldn't be able to see it.

I have identity guard and can look at all three reports and they all didn't show a number of my new accounts and I don't know why...
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 29, 2016, 02:18:30 AM


I tried to get my credit report from annualcreditreport.com, but they only let me see Transunion's report. They mentioned something about the security of my info, and said I would have to mail in form. I'm checking for 5/24 inquiries. Should Transunion be enough?

Also the credit limits for some of the cards don't seem to match exactly to any of the cards I would be on (even as AU)...Does authorized account as opposed to individual account mean I am only a secondary user? How do I have it removed?

Credit bureau depends where chase pulls from and IIRC it's different per state..

Individual accounts == ccs you opened
Secondary accounts == ccs you are an AU on

Dont think you need it removed, recon is able to "ignore" secondary accounts when it comes to 5/24
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 02:27:10 AM
If I can avoid recon it would be even better...especially since I like the mehalech of applying for more cards that day as long as I was approved for earlier cards...
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 29, 2016, 02:28:21 AM
If I can avoid recon it would be even better...especially since I like the mehalech of applying for more cards that day as long as I was approved for earlier cards...
People a bit up thread have reported being instant approved when over 5/24
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 02:35:06 AM
Some have, some haven't. From DDMS (http://www.dansdeals.com/archives/93750) "Note that if you have opened up 5 or more cards in the past 2 years it can be difficult to get approved for most cards from Chase unless you have a banking relationship like Chase Private Client."

I have 1 card I myself opened in last 24, and 8 AU cards were opened. Any way I can get them removed from my credit report quickly? Do I have to dispute with each credit agency separately?
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 29, 2016, 04:54:56 AM
I just posted my story on Reddit on how I overcame 5/24 twice without CPC or being pre-approved. It is a bit long, but here is the link for those interested:
https://www.reddit.com/r/churning/comments/4zyyp0/storytime_sunday_week_of_august_28_2016/d700i1b
WELCOME TO DDF! :)

great story , thanks for sharing.
Title: Re: Chase Sapphire Reserve
Post by: eternity88 on August 29, 2016, 07:05:06 AM
bh got approved for csr  online, no cpc, no pre approved and way over 5/24
asked to get it expedited and rep said np 2-3 business days
when did you last applied for Chase card?
Title: Re: Chase Sapphire Reserve
Post by: eternity88 on August 29, 2016, 07:07:44 AM
I was rejected on 8/22 due to 5/24 when I applied in branch. I had no CPC status and no pre-approval. I was told the decision was final. With nothing to lose, I went to another branch and asked to apply for CPC. I didn't meet the $250K requirement, but I was accepted anyway. The banker said CPC members get special treatment when it comes to bypassing 5/24 and today just called Chase for "special reconsideration" (a term he used). However, he just called me back and said that Chase no longer accepts banker calls for special recon, and that I had to call Chase.

When I called, the agent said that a decision of rejection had already been made, so I mentioned that my CPC banker told me that CPC members get special consideration. The agent then asked me some questions regarding income and occupation, put me on hold for about 5-10 minutes, then came back and said that I would get a decision in the mail in 1-2 wks. I again emphasized being CPC, and he said that’s the only reason I’m even getting a second look at this point.

I read one DP of someone else in a very similar situation whose new CPC banker was able to call (post-rejection) and get him approved. I'm wondering if there's something my CPC banker hasn't done.
Hi dave,
Just wondering how much were you able to deposit to get the CPC
Title: Re: Chase Sapphire Reserve
Post by: eternity88 on August 29, 2016, 07:09:03 AM
Did everyone who applied get their card sent UPS ? Did anyone get their card sent US Mail?
Title: Re: Chase Sapphire Reserve
Post by: ridingtime on August 29, 2016, 07:36:35 AM
WELCOME TO DDF! :)

great story , thanks for sharing.

Thanks! I have been a long time lurker here and figured I'd start off my posting with this one
Title: Re: Chase Sapphire Reserve
Post by: CreamofSoup on August 29, 2016, 07:47:14 AM
Thanks! I have been a long time lurker here and figured I'd start off my posting with this one

Congrats! You make me think there is hope for me and my fiance yet - we are in a very similar situation (credit scores and income). The only difference may be that we both have relatively short histories (my longest car has only been open 3 years and hers 2ish)
Title: Re: Chase Sapphire Reserve
Post by: ridingtime on August 29, 2016, 08:30:39 AM
Just to update everyone about that pending verification approval: Just went through the process and got it the approval finalized for my wife. So phew! That's done, and we are all good for 2 CSR's despite 5/24   :D
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 08:39:34 AM
Just to update everyone about that pending verification approval: Just went through the process and got it the approval finalized for my wife. So phew! That's done, and we are all good for 2 CSR's despite 5/24   :D
Thank you and welcome to DDF
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 08:40:29 AM

Credit bureau depends where chase pulls from and IIRC it's different per state..
not for 5/24
That would be on all reports
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 29, 2016, 08:43:48 AM
Thanks! I have been a long time lurker here and figured I'd start off my posting with this one
Good move! Now that you're on topic it will help you to somewhat learn how to read forums and keep up on the thread (FWIT, lurkers and new members get very confused and overwhelmed around here). 
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 09:13:59 AM
not for 5/24
That would be on all reports
That is not correct.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 09:15:20 AM
That is not correct.
Please explain because it's my understanding that all personal cards are reported to all reports (not hard pulls)
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 09:15:56 AM
I have 1 card I myself opened in last 24, and 8 AU cards were opened. Any way I can get them removed from my credit report quickly? Do I have to dispute with each credit agency separately?
1 - No
2 - Yes unless you can guess which report they will be pulling
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 09:16:49 AM
Please explain because it's my understanding that all personal cards are reported to all reports (not hard pulls)
This does not always happen especially with lesser known cards.
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 29, 2016, 09:21:06 AM
slightly off topic but does anyone know if I can get purchase notifications from Chase via Apple pay like I do with the Amex cards? Whenever the card is used, I get a small notification.
thanks
Title: Re: Chase Sapphire Reserve
Post by: Bh101 on August 29, 2016, 10:08:32 AM
from the app
Title: Re: Chase Sapphire Reserve
Post by: puddles on August 29, 2016, 10:18:06 AM
from the app
are you saying i can see recent purchases in the app? If yes, thank you but I know this. I am asking if its possible to get the amex like notifications without having to go into the app.
Title: Re: Chase Sapphire Reserve
Post by: travel-ing on August 29, 2016, 11:02:29 AM
has anyone gotten approved for the reserve and preferred at once?
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 29, 2016, 11:14:41 AM
has anyone gotten approved for the reserve and preferred at once?
Why would you want both?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 11:15:39 AM
Why would you want both?
Sign up bonus
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 11:26:49 AM
Dan wrote (http://www.dansdeals.com/archives/93750) "If you have opened additional user cards in the past 2 years you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card."

How do I do that? Do I have to do it separately with each credit bureau?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 11:36:14 AM
Dan wrote (http://www.dansdeals.com/archives/93750) "If you have opened additional user cards in the past 2 years you can request from the bank or credit bureaus to have those removed from your credit report so that it doesn’t negatively impact your ability to get approved for a new credit card."

How do I do that? Do I have to do it separately with each credit bureau?
Yes
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 11:39:24 AM
Is there a separate thread discussing this so I can understand what and how to go about this?
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 11:46:23 AM
Just checked in branch- I'm not pre approved for CSR (but am pre approved for preferred). Is there still an advantage to applying in branch?
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 29, 2016, 11:52:27 AM
Just checked in branch- I'm not pre approved for CSR (but am pre approved for preferred). Is there still an advantage to applying in branch?
I would use the link from dansdeals.
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 29, 2016, 11:55:49 AM
Got instant online approval for CSR, over 5/24 but I'm CPC.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 29, 2016, 11:59:35 AM
Is there a separate thread discussing this so I can understand what and how to go about this?
http://forums.dansdeals.com/index.php?topic=1716.0
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 11:59:45 AM
Is there a difference in the message you get. 7-10 day message good or bad?
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 12:01:33 PM
Is there a difference in the message you get. 7-10 day message good or bad?
Bad.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 12:02:36 PM
I would use the link from dansdeals.
As loyalty, or because of increased chances?
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 29, 2016, 12:09:36 PM
As loyalty, or because of increased chances?
Loyalty . Maybe in that merit it'll increase your chances
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 29, 2016, 12:11:09 PM
Is there a difference in the message you get. 7-10 day message good or bad?
Message in email and on application screen is irrelevant. Message on automated status line is more pertinent.
Title: Re: Chase Sapphire Reserve
Post by: Abebee on August 29, 2016, 12:12:21 PM
Card just came through the mail slot with UPS express.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 12:13:32 PM
Card just came through the mail slot with UPS express.
Stop teasing those who aren't approved.
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 29, 2016, 12:31:19 PM
has anyone gotten approved for the reserve and preferred at once?
Yes
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 29, 2016, 12:41:48 PM
Message in email and on application screen is irrelevant. Message on automated status line is more pertinent.

So, I was not pre-approved in store, applied online, and got an message that they'll decide soon, the e-mail said they'll decide within 30 days, so I just call them and say I wasn't sure if they needed more info?  I think I'm exactly 5/24.  Sorry for ignorant questions (yes, I have read this thread) but just have never done this before.
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 12:51:34 PM
Message in email and on application screen is irrelevant. Message on automated status line is more pertinent.
That is what I am asking about.
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 29, 2016, 12:53:59 PM
That is what I am asking about.

I also have no idea what this is.  This is the exact message I got.  I'm assuming I'm not declined automatically because I got it before for a different Chase card, I think the Ink, they had questions about why our income and expenses didn't match up (we hadn't added in our income from rental properties but the mortgages were showing up, once we explained them we were approved):

Here's what you can expect next:
   We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision.

   If we approve your application, we'll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.

   If we don't approve your application, we'll send you a letter explaining why.

Thank you for applying for a Chase credit card
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 01:00:58 PM
Banker told me if I'm pre approved for other cards, still gives me better charms for CSR approval. Is there any credence to that?
Title: Re: Chase Sapphire Reserve
Post by: Oceanblue on August 29, 2016, 01:03:57 PM
I also have no idea what this is.  This is the exact message I got.  I'm assuming I'm not declined automatically because I got it before for a different Chase card, I think the Ink, they had questions about why our income and expenses didn't match up (we hadn't added in our income from rental properties but the mortgages were showing up, once we explained them we were approved):

Here's what you can expect next:
   We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision.

   If we approve your application, we'll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.

   If we don't approve your application, we'll send you a letter explaining why.

Thank you for applying for a Chase credit card

That's their standard reply but it doesn't give you any information whether you were approved or not. The automated message you hear when you PUTPAC to check the status of your application is more telling, and gives you information whether you were declined (reply in 7-10 days) or if its still pending (reply in 2 weeks)
Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 29, 2016, 01:17:11 PM
That's their standard reply but it doesn't give you any information whether you were approved or not. The automated message you hear when you PUTPAC to check the status of your application is more telling, and gives you information whether you were declined (reply in 7-10 days) or if its still pending (reply in 2 weeks)

So I'm actually on the phone right now.  She said that it is showing declined because of too many cards.  I'm exactly 5/24 with 3 chase cards and 2 AMEX showing, they already did not factor in the the AU accounts.  She told for this reason and since it was processed as already declined this morning (maybe if I would have called right away last night I would have been ok) there is no way to reconsider it.  She did give me the date that I opened the first of these accounts and when that one should drop off and I should reply.  Not the answer I wanted but at least she was very clear.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 01:22:05 PM
So I'm actually on the phone right now.  She said that it is showing declined because of too many cards.  I'm exactly 5/24 with 3 chase cards and 2 AMEX showing, they already did not factor in the the AU accounts.  She told for this reason and since it was processed as already declined this morning (maybe if I would have called right away last night I would have been ok) there is no way to reconsider it.  She did give me the date that I opened the first of these accounts and when that one should drop off and I should reply.  Not the answer I wanted but at least she was very clear.
I would huca if I were you, it's worth a shot.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 01:23:26 PM
So I'm actually on the phone right now.  She said that it is showing declined because of too many cards.  I'm exactly 5/24 with 3 chase cards and 2 AMEX showing, they already did not factor in the the AU accounts.  She told for this reason and since it was processed as already declined this morning (maybe if I would have called right away last night I would have been ok) there is no way to reconsider it.  She did give me the date that I opened the first of these accounts and when that one should drop off and I should reply.  Not the answer I wanted but at least she was very clear.
Did she give a date to the exact day, (like Nov 13) or just a general month?
Title: Re: Chase Sapphire Reserve
Post by: PPLA on August 29, 2016, 01:38:52 PM
I have been an AU on chase cards for about 2or 3years.
-have opened a secure credit card for BOA for 1 year now
-paying off a car finance and have taken out some student loans all of which have given me a solid credit score
-have a checking account with chase.
-In the past i was preapproved for the CSP

With all this being said, what are my chances to get approved for the CSR, As my first real card.

Also, I wouldn't pull a 2BM unless  declined for the CSR because I don't want to waste a pull, yet I don't want to ruin chances by doing a 2BM straight out [i.e ritz]

Title: Re: Chase Sapphire Reserve
Post by: Denverite on August 29, 2016, 01:40:56 PM
I would huca if I were you, it's worth a shot.

Ok, you're right although has anyone who is not CPC, was showing outright declined in the computer for 5/24, actually had success?  It seems like the people that had success, caught it when it was still pending.  :-\

Did she give a date to the exact day, (like Nov 13) or just a general month?

She told me the month.
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 29, 2016, 01:46:14 PM
Any tips for what to say to the CPC banker when trying to get CPC without $250K?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 01:47:20 PM
Any tips for what to say to the CPC banker when trying to get CPC without $250K?
I hope you enjoy Single Malt... ;)
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 29, 2016, 01:48:06 PM
I hope you enjoy Single Malt... ;)
lol
Title: Re: Chase Sapphire Reserve
Post by: PPLA on August 29, 2016, 01:48:29 PM
Any tips for what to say to the CPC banker when trying to get CPC without $250K?
Its not what you say, its what you hand them $$. Lol
 But after following this thread for a while seems like your best shot is to get on a joint account with a CPC or have a friend who is a CPC banker.
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 29, 2016, 01:57:10 PM
Its not what you say, its what you hand them $$. Lol
 But after following this thread for a while seems like your best shot is to get on a joint account with a CPC or have a friend who is a CPC banker.
Yet, I still haven't seen a report of a dollar amount that someone got approved for. Are people doing it with 200K? Pulling it off with just 50K?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 02:00:23 PM
People have pulled it off with $1,000.
It's all about your relationship with the banker. Or promises of future account funding.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 29, 2016, 02:00:56 PM
Yet, I still haven't seen a report of a dollar amount that someone got approved for. Are people doing it with 200K? Pulling it off with just 50K?

They offered to move me to CPC when I had $80k and the "potential" to bring in more funds in the future.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 02:09:17 PM
People have pulled it off with $1,000.
It's all about your relationship with the banker. Or promises of future account funding.
So far I haven't pulled it off with decent $$ there now plus promise of much more significant funds coming in soon (which happens to be true..) Said we should meet again when additional funds are in that account :(
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 29, 2016, 02:10:32 PM
So far I haven't pulled it off with decent $$ there now plus promise of much more significant funds coming in soon (which happens to be true..) Said we should meet again when additional funds are in that account :(

Go to a different branch.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 02:11:33 PM
Go to a different branch.
Will try that..Just annoying because I always use that branch..
Title: Re: Chase Sapphire Reserve
Post by: @Yehuda on August 29, 2016, 02:14:12 PM
People have pulled it off with $1,000.
It's all about your relationship with the banker. Or promises of future account funding.
They offered to move me to CPC when I had $80k and the "potential" to bring in more funds in the future.
Perfect, thanks! Will see how it goes tonight. And if it goes well, will see if he can recon my existing app or if I'll have to submit a new one.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 02:15:53 PM
And if it goes well, will see if he can recon my existing app or if I'll have to submit a new one.
banker recommended I not apply until he approves my CPC.
Title: Re: Chase Sapphire Reserve
Post by: Ephraimh on August 29, 2016, 02:18:25 PM
They offered to move me to CPC when I had $80k and the "potential" to bring in more funds in the future.
+1
30 minutes ago I walked into my local branch with one goal: To walk out a cpc.. I'm now -30 minutes later-  walking out, and my goal is 80% reached.. (I'll probably reach 100% as soon as my partner picks up his phone and agrees to transfer our bussiness checking account from Cap1 to Chase...)

If you can convince them that you have the potential to reach $250k and setup a plan with them, you're likely walking away a cpc.
Title: Re: Chase Sapphire Reserve
Post by: yossi621 on August 29, 2016, 02:24:25 PM
People have pulled it off with $1,000.
It's all about your relationship with the banker. Or promises of future account funding.

same here, relationship with banker... slightly more than $1,000 though :)
Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 29, 2016, 02:35:02 PM
Just got my card delivered by UPS but it came in a plain white envelope, did I miss something by not getting the fancy packaging   8) ::)
Title: Re: Chase Sapphire Reserve
Post by: deltastubs on August 29, 2016, 02:37:07 PM
They only had 15/24 on file for me which i thought was low (definitely more) but anyway, hard denial,

Good news is at least i got my favorite hotel fairmont again out of this!
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 29, 2016, 02:48:46 PM
Just got my card delivered by UPS but it came in a plain white envelope, did I miss something by not getting the fancy packaging   8) ::)

They told me welcome package gonna come separate
Title: Re: Chase Sapphire Reserve
Post by: eis517 on August 29, 2016, 03:03:56 PM
I want to use all my UR points to book flights and get it at 1.5 a piece. However, I do not have my CSR yet, but was approved last week. Anyone know if/how I can book the travel without having my card yet?
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 03:04:35 PM
Advice needed: I want to apply for the SR as part of an AOR with Citi Prestige which according to Dan (http://www.dansdeals.com/archives/94108), will no longer be providing some of the benefits for applications after 8/30 (tomorrow). Although I haven't applied for more than one card in last 24 months, there are multiple AU that have been opened in my name.

Should I just jump in today and hope for the best? or wait to get those accounts off my credit report and loose the Prestige benefits? Also no one seems to know how long this 100k offer will be around for anyways?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 03:05:19 PM
I want to use all my UR points to book flights and get it at 1.5 a piece. However, I do not have my CSR yet, but was approved last week. Anyone know if/how I can book the travel without having my card yet?
It should be in your account online as soon as you're approved and you can redeem from there.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 03:05:45 PM
Advice needed: I want to apply for the SR as part of an AOR with Citi Prestige which according to Dan (http://www.dansdeals.com/archives/94108), will no longer be providing some of the benefits for applications after 8/30 (tomorrow). Although I haven't applied for more than one card in last 24 months, there are multiple AU that have been opened in my name.

Should I just jump in today and hope for the best? or wait to get those accounts off my credit report and loose the Prestige benefits? Also no one seems to know how long this 100k offer will be around for anyways?
Recon managers can avoid counting AUs.
Title: Re: Chase Sapphire Reserve
Post by: eis517 on August 29, 2016, 03:07:23 PM
It should be in your account online as soon as you're approved and you can redeem from there.

Do I need to move my points from my regular Sapphire to the reserved first?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 03:12:28 PM
Do I need to move my points from my regular Sapphire to the reserved first?
Yes. You do that online.
Title: Re: Chase Sapphire Reserve
Post by: deltastubs on August 29, 2016, 03:24:16 PM
at 15/24 according to chase, if i say some primary accounts are authorized users, any chance, or they can actually see
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 03:30:59 PM
at 15/24 according to chase, if i say some primary accounts are authorized users, any chance, or they can actually see
That
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 03:52:07 PM
Recon managers can avoid counting AUs.
Thanks.

Recon. approved me after I told them that 7/8 are AU accounts. The rep. required I transfer from existing credit line (after I recommended). What are my chances of applting for another Chase card today (probably Marriot).
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 03:57:45 PM
Thanks.

Recon. approved me after I told them that 7/8 are AU accounts. The rep. required I transfer from existing credit line (after I recommended). What are my chances of applting for another Chase card today (probably Marriot).
I'd apply for a couple more.
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 04:02:19 PM
Over 5/24 with AU, just disputed with CB. Should wait until falls off report and risk offer expiring or just apply now and try convincing recon?
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 04:03:00 PM
I'd apply for a couple more.
Any chance it won't require recon? ( I'm a shtikel afraid of them...)
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 29, 2016, 04:03:42 PM
Any chance it won't require recon? ( I'm a shtikel afraid of them...)
Be strong :)
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 04:04:00 PM
Any chance it won't require recon? ( I'm a shtikel afraid of them...)
You have nothing to lose. If afraid don't call.
Title: Re: Chase Sapphire Reserve
Post by: MrPrime1 on August 29, 2016, 04:05:09 PM
Any chance it won't require recon? ( I'm a shtikel afraid of them...)

they have been super friendly lately. i wouldnt worry about calling recon, they arent intimidating
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 29, 2016, 04:07:17 PM
Any chance it won't require recon? ( I'm a shtikel afraid of them...)
You should be deathly afraid of them. I know someone who called the other day and got completely disemboweled. It was a gory scene.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 04:16:38 PM
Thanks.

Recon. approved me after I told them that 7/8 are AU accounts. The rep. required I transfer from existing credit line (after I recommended). What are my chances of applting for another Chase card today (probably Marriot).
You should definitely apply for a couple more, it can't hurt. Make sure you apply for cards that are affected by 5/24 though.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 04:20:24 PM
You should be deathly afraid of them. I know someone who called the other day and got completely disemboweled. It was a gory scene.
I heard a story where a guy called chase recon and they made him close his Amex cards, crazy!!
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 04:21:37 PM
...I told them that 7/8 are AU accounts.
Was that true or they didn't check?
Title: Re: Chase Sapphire Reserve
Post by: JTZ on August 29, 2016, 04:23:39 PM
I heard a story where a guy called chase recon and they made him close his Amex cards, crazy!!
I called recon and they wanted half of my WF points.  >:(
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 29, 2016, 04:24:44 PM
I called recon and they wanted half of my WF points.  >:(
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 29, 2016, 04:47:25 PM
Applied for CSR and hyatt yesterday, I regret now not doing Ritz, what are my chance of getting approved for the Ritz today? don't really care about another pull
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on August 29, 2016, 05:04:02 PM
Any chance it won't require recon? ( I'm a shtikel afraid of them...)
Be strong :)
I applied for Marriott and got

"We need to review your application a little longer.
We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.Thanks for choosing Marriott Rewards® Premier Credit Card."

Do I loose anything by waiting for official response beforing trying recon.?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 29, 2016, 05:13:49 PM
Applied for CSR and hyatt yesterday, I regret now not doing Ritz, what are my chance of getting approved for the Ritz today? don't really care about another pull
If you don't care about the pull then there's nothing to lose in trying.
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 29, 2016, 05:20:36 PM
If you don't care about the pull then there's nothing to lose in trying.

I don't care about the pull only if I get approved, so wanna know if anyone applied for a CC one day after the other and got approved
Title: Re: Chase Sapphire Reserve
Post by: eternity88 on August 29, 2016, 05:26:09 PM
+1
30 minutes ago I walked into my local branch with one goal: To walk out a cpc.. I'm now -30 minutes later-  walking out, and my goal is 80% reached.. (I'll probably reach 100% as soon as my partner picks up his phone and agrees to transfer our bussiness checking account from Cap1 to Chase...)

If you can convince them that you have the potential to reach $250k and setup a plan with them, you're likely walking away a cpc.
once you get cpc do you stay cpc or do you need to maintain a certain balance?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on August 29, 2016, 05:27:01 PM
once you get cpc do you stay cpc or do you need to maintain a certain balance?
you stay cpc
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 29, 2016, 05:35:18 PM
if I move over my credit limit from my chase sapphire perferd and close it how soon after can I apply for the Reserve ?
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 05:44:33 PM
if I move over my credit limit from my chase sapphire perferd and close it how soon after can I apply for the Reserve ?
Not one thing you said makes any sense. 1. Why would you move credit limits before applying. 2. Why would you close your CSP (instead of downgrading) 3. You are eligible for the CSR no matter what other cards you have open, you may not be approved, but you are eligible.
Title: Re: Chase Sapphire Reserve
Post by: Marko Rubio on August 29, 2016, 05:58:44 PM
I know it was asked here already but didn't see a answer yet so will give it another try, any date until this 100k offer is avail?
Title: Re: Chase Sapphire Reserve
Post by: EJB on August 29, 2016, 06:13:56 PM
you stay cpc

Really?
Title: Re: Chase Sapphire Reserve
Post by: PETERP on August 29, 2016, 06:19:28 PM
 I was offered CPC a few times and declined. Maybe I should ask now ?
Title: Re: Chase Sapphire Reserve
Post by: meme on August 29, 2016, 06:22:50 PM
I was offered CPC a few times and declined. Maybe I should ask now ?
Why did you decline? Any fees involved?
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 06:23:52 PM
I was offered CPC a few times and declined. Maybe I should ask now ?
Why not, if you won't have to add any money to chase that you don't want to, it's not like it costs you anything.
Title: Re: Chase Sapphire Reserve
Post by: PETERP on August 29, 2016, 06:37:02 PM
Why not, if you won't have to add any money to chase that you don't want to, it's not like it costs you anything.


Why did you decline? Any fees involved?

Didnt want to fend off salesmen trying to push Chase investments on me .
No fees AFAIK .
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 29, 2016, 06:39:26 PM
IME,  when you have an issue with your account and need a bankers help, they often tell you to go to your assigned private client banker. One of the cons of CPC.
Title: Re: Chase Sapphire Reserve
Post by: PETERP on August 29, 2016, 07:00:44 PM
IME,  when you have an issue with your account and need a bankers help, they often tell you to go to your assigned private client banker. One of the cons of CPC.

Actually  I am very friendly with a guy  at the Bank.

The Mgr.  has done large intra bank  transfers for me when I was away in Europe.

 I used him the guy I know well and succefully applied for an INK once, then the second time I applied and was denied, he  sent in the form , and I was still denied.
  I have a feeling they noted my account, is that possible ?  They look at me funny now.  Guilt LOL
Title: Re: Chase Sapphire Reserve
Post by: DXD on August 29, 2016, 07:09:11 PM
if it doesn't show in your credit report chase shouldn't be able to see it.

Ok - mind blown. I thought that business cards would show in credit reports, but credit utilization on them was not?

Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on August 29, 2016, 07:21:30 PM
Ok - mind blown. I thought that business cards would show in credit reports, but credit utilization on them was not?

For the majority of business cards, they only appear if you default.
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 29, 2016, 09:17:15 PM
I know it was asked here already but didn't see a answer yet so will give it another try, any date until this 100k offer is avail?
Not known. One of the bankers I spoke to today said its not a promotional offer but that it's the standard offer unless if they see things aren't right & need to change.
Title: Re: Chase Sapphire Reserve
Post by: DoB on August 29, 2016, 09:29:05 PM
I'm way over 5/24, so I figured I'd try my luck walking into a Chase branch and asking if I had any pre-approved offers available.  The banker told me I was pre-approved for everything.  (!)  So I applied for the CSR and then the Freedom Unlimited.

The CSR application was instantly approved, with an absurdly high credit limit.  The FU application returned the 7-10 business days message, to the banker's surprise.  He tried calling the lending department to argue on my behalf, but not dice - rejected due to 5/24.  He even offered (with my permission) to close an extra Freedom account that I don't use to free up the credit line, but that didn't work.  He was very apologetic (and he tried to talk me into CPC).

I'm not sure what to do now.  Sit and wait and try again in a few months?  Or call to convert the spare Freedom account to FU and forego the 15k-point bonus?  (Is it safe to assume that, if I convert Freedom to FU now, I could close the account at some point in the future and apply for a new one and be eligible for the bonus then?)  I'd need to spend $30k on the FU (not including anything I'd charge to a different card in any case, like Freedom bonus categories and dining/travel) to offset the "lost" 15k points - but I suppose they aren't lost if I can apply at some point in the future.

Is it worth trying to apply for the FU online today, even though I already tried in the branch just a few hours ago, or would that confuse everything?
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on August 29, 2016, 09:45:10 PM
If an application is pending, does it pay to wait and see or is it better to call recon right away?
Anyone know?
Title: Re: Chase Sapphire Reserve
Post by: puppydogs on August 29, 2016, 09:59:50 PM
Anyone know?

Call right away
Title: Re: Chase Sapphire Reserve
Post by: emineh17 on August 29, 2016, 10:15:21 PM
Call right away
Recon is closed now, can i speak to any other chase agent or do i have to wait until they open in the AM?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 29, 2016, 10:20:35 PM


not sure what to do now.
Apply for another card, Ritz for example.
Title: Re: Chase Sapphire Reserve
Post by: Super Speed on August 29, 2016, 10:29:02 PM
I'm way over 5/24, so I figured I'd try my luck walking into a Chase branch and asking if I had any pre-approved offers available.  The banker told me I was pre-approved for everything.  (!)  So I applied for the CSR and then the Freedom Unlimited.

The CSR application was instantly approved, with an absurdly high credit limit.  The FU application returned the 7-10 business days message, to the banker's surprise.  He tried calling the lending department to argue on my behalf, but not dice - rejected due to 5/24.  He even offered (with my permission) to close an extra Freedom account that I don't use to free up the credit line, but that didn't work.  He was very apologetic (and he tried to talk me into CPC).

I'm not sure what to do now.  Sit and wait and try again in a few months?  Or call to convert the spare Freedom account to FU and forego the 15k-point bonus?  (Is it safe to assume that, if I convert Freedom to FU now, I could close the account at some point in the future and apply for a new one and be eligible for the bonus then?)  I'd need to spend $30k on the FU (not including anything I'd charge to a different card in any case, like Freedom bonus categories and dining/travel) to offset the "lost" 15k points - but I suppose they aren't lost if I can apply at some point in the future.

Is it worth trying to apply for the FU online today, even though I already tried in the branch just a few hours ago, or would that confuse everything?
What type of credit limit?
Title: Re: Chase Sapphire Reserve
Post by: m.m. on August 29, 2016, 10:38:51 PM
Recon is closed now, can i speak to any other chase agent or do i have to wait until they open in the AM?
they close 10
Title: Re: Chase Sapphire Reserve
Post by: DoB on August 29, 2016, 10:44:39 PM
What type of credit limit?

Over $30k.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 29, 2016, 10:48:26 PM
I never see Chase auto approvals over $50k.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 29, 2016, 10:49:12 PM
What're the chances Chase starts sending out referral offers in September?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on August 29, 2016, 11:00:49 PM


(and he tried to talk me into CPC).
and?

Title: Re: Chase Sapphire Reserve
Post by: rediplus on August 29, 2016, 11:05:20 PM
if i cancel the card after i get the points and transfer them..lets say within the first 3 months..will the $450 get refunded ? will the points get clawed back ?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 29, 2016, 11:07:33 PM
if i cancel the card after i get the points and transfer them..lets say within the first 3 months..will the $450 get refunded ? will the points get clawed back ?
Nobody's had it that long but why would the points get clawed back ?
Title: Re: Chase Sapphire Reserve
Post by: MosheD on August 29, 2016, 11:10:18 PM
I'm way over 5/24, so I figured I'd try my luck walking into a Chase branch and asking if I had any pre-approved offers available.  The banker told me I was pre-approved for everything.  (!)  So I applied for the CSR and then the Freedom Unlimited.

The CSR application was instantly approved, with an absurdly high credit limit.  The FU application returned the 7-10 business days message, to the banker's surprise.  He tried calling the lending department to argue on my behalf, but not dice - rejected due to 5/24.  He even offered (with my permission) to close an extra Freedom account that I don't use to free up the credit line, but that didn't work.  He was very apologetic (and he tried to talk me into CPC).

I'm not sure what to do now.  Sit and wait and try again in a few months?  Or call to convert the spare Freedom account to FU and forego the 15k-point bonus?  (Is it safe to assume that, if I convert Freedom to FU now, I could close the account at some point in the future and apply for a new one and be eligible for the bonus then?)  I'd need to spend $30k on the FU (not including anything I'd charge to a different card in any case, like Freedom bonus categories and dining/travel) to offset the "lost" 15k points - but I suppose they aren't lost if I can apply at some point in the future.

Is it worth trying to apply for the FU online today, even though I already tried in the branch just a few hours ago, or would that confuse everything?
Go back and take him up on the CPC offer
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 29, 2016, 11:10:21 PM
if i cancel the card after i get the points and transfer them..lets say within the first 3 months..will the $450 get refunded ? will the points get clawed back ?
If you've already transferred them, how can they take them back?
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 29, 2016, 11:12:16 PM
Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.
Title: Re: Chase Sapphire Reserve
Post by: Oceanblue on August 29, 2016, 11:44:13 PM
I applied for the reserve Friday, got the standard answer that they need time to review my app. I called recon and was told it was declined, was able to get them to reconsider and have it moved down the chain for approval consideration. Now when I call the status line, it says I'll find out in 2 weeks (instead of 7-10 days).  Any point in calling recon again to see if its approved yet or should I wait it out?
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 30, 2016, 12:11:45 AM
What're the chances Chase starts sending out referral offers in September?

Probably depends on what demand is like compared to expectations. I'd say chances would be low until they get through all the backlog, but happy to be proven wrong.

Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.

People have been overturned with CPC. Personally I'd like to see some more DP of people being instantly approved online and being over 5/24, excluding authorized users and business accounts.
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 30, 2016, 12:12:23 AM
Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.
+1
Title: Re: Chase Sapphire Reserve
Post by: chff on August 30, 2016, 12:15:33 AM
Got approved Wednesday for both CSR & FU. Today i got the FU by UA mail, and all my calls to chase regarding a tracking for the CSR got no results. I have received today around 6ish and email from UPS that a package is coming next day air from Chase. Funny that before i even opened up the email (like an hour later) i was on the phone with Chase and they still couldn't give me a tracking number
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 30, 2016, 08:56:36 AM
I applied through dansdeals and got declined, I called and they said over the limit with 5/24. My wife went to the branch she was pre approved the officer added me as a AU. I tried getting the branch manager that helped my wife try calling for me and it did not help they gave the same excuse even though he mentioned I was a long time Chase client. I will try calling again hoping that HUCA helps.
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on August 30, 2016, 09:08:54 AM
I posted about this last week, but I applied for the CSR on 8/22 it went pending I spoke to recon and the verification department on 8/23 and 8/24 and its still been sitting there pending ever since. I spoke to a couple of people who could not help move it along, last I spoke to someone on 8/27 at night and they said to just sit tight and it could take up to 30 days to be processed. Called this morning and got the message stating I will be notified in about 2 weeks. Anyone have experience waiting this long for a card to be approved?
Title: Re: Chase Sapphire Reserve
Post by: emineh17 on August 30, 2016, 09:15:18 AM
I applied for the card last night and got the pending message and when i called recon today they quoted 5/24 (4 with chase 2 authorized users and one discover) and he said there is no way that i can get approved even if i move credit. Anything else i can do? (i might be cpc, but not sure)
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 30, 2016, 09:24:54 AM
Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.

Uhm... here (http://onemileatatime.boardingarea.com/2016/08/24/sapphire-reserve-chase-private-client/).
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 30, 2016, 09:29:17 AM


Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.

You are incorrect on this matter, and a modicum of reading would indicate this, but I can certainly commiserate with your desire not to hear any more talk about CPC.
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 30, 2016, 09:58:41 AM
I applied for the card last night and got the pending message and when i called recon today they quoted 5/24 (4 with chase 2 authorized users and one discover) and he said there is no way that i can get approved even if i move credit. Anything else i can do? (i might be cpc, but not sure)
I was told you need 250K in chase to be CPC
Title: Re: Chase Sapphire Reserve
Post by: emineh17 on August 30, 2016, 10:03:49 AM
I was told you need 250K in chase to be CPC
Ive heard some people say less, as long as you opened your accounts with a banker and developed a relationship with the banker.
How can i know if im cpc?
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 30, 2016, 10:05:24 AM
is there a referral bonus set up for this card yet? i know they have it for the sapphire preferred
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 30, 2016, 10:07:03 AM
Ive heard some people say less, as long as you opened your accounts with a banker and developed a relationship with the banker.
How can i know if im cpc?
ask your Banker
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 30, 2016, 10:07:49 AM
I was told you need 250K in chase to be CPC
Discussed upthread
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 30, 2016, 10:08:11 AM
Ive heard some people say less, as long as you opened your accounts with a banker and developed a relationship with the banker.
How can i know if im cpc?
If you had it, you'd likely know. That being said; look on the top of the page on your chase login, or the login page on the mobile app.
Title: Re: Chase Sapphire Reserve
Post by: emineh17 on August 30, 2016, 10:09:48 AM
If you had it, you'd likely know. That being said; look on the top of the page on your chase login, or the login page on the mobile app.
guess i am. thats the banner when i log in
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 30, 2016, 10:13:12 AM
guess i am. thats the banner when i log in
yup
Title: Re: Chase Sapphire Reserve
Post by: sam28 on August 30, 2016, 10:18:20 AM
if I got approved for 5 cards in the last 24 month by Oct it will be 4 ? and I just got Added to a AU will that count as a new account ?
if I take it off will it still count ?
Title: Re: Chase Sapphire Reserve
Post by: TimT on August 30, 2016, 10:31:45 AM
if I got approved for 5 cards in the last 24 month by Oct it will be 4 ? and I just got Added to a AU will that count as a new account ?
if I take it off will it still count ?
If an au is on your report it counts. If they remove it then it doesn't count.
Title: Re: Chase Sapphire Reserve
Post by: ae123 on August 30, 2016, 10:39:36 AM
My experience (in short). Maybe it will help someone.

I opened 3 Chase, 1 Chase AU, and (supposedly, see below) 1 Barclay in last 24 months.

Applied for Reserve, got denied.

Called Recon. Rep was incredibly brusque. Didn't even say hello etc. just "let me check the status etc." - put on hold - "denied, too many cards opened in the last 24 months. Is there anything else I can help you with?".

HUCA'd recon. Next rep was rude "didn't you already speak to a colleague about this already?". Couldn't budge him, even by explaining that 1 of the 5 was AU.

HUCA'd recon. Rep asked me how I use the AU card. I innocently replied that I use it and then "we" (my wife and I) pay the bill. She pounced on that "so, you're telling me you are responsible to pay the bill of the AU, and therefore it counts as 5/24".

HUCA'd recon. Rep said no way to approve due to 5/24. I tried explaining that 1 was AU. She replied "your account was already noted by a previous rep that you are responsible for the AU". Ouch. I then asked her what the 5 were. She told me 3 Chase, 1 Chase AU, and 1 Barclay. I honestly couldn't recall any Barclay so I tried getting that discounted. She said you need to dispute with Experian.

Called Experian about the Barclay. They said the account was open and in good standing. I'm absolutely sure that I have no open Barclay account, even if I may have possibly opened one in the last 24 months (which I don't think I did). Seeing something was clearly wrong, I disputed the Barclay. They said can take up to 30 days, then 7 days to contact me.

I wasn't happy since after 30 days I would need to re-apply with Chase.

HUCA'd Chase recon. Told them I disputed the Barclay but it may take too long. The conversation was pleasant and rep was nice. After trying different ideas the rep suggested getting removed as AU. I got her to say point-blank that if removed I'd be approved and had her put those words in the notes.

Called Chase CS to get removed as AU. Rep thankfully mentioned to call Experian too, otherwise it would still show on my credit report.

Called Experian. Had AU removed.

HUCA'd recon. Asked rep to read notes of previous rep that if removed as AU I'd be approved. Rep read notes, put me on hold, asked questions, hold again, asked questions.....

Approved.
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 30, 2016, 10:40:52 AM
If not pre-approved or cpc is there any point of going into branch or online the same?
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 30, 2016, 10:47:03 AM
Well, lucky is not a Rayeh.....

There were multiple reports here and on other places, people being CPC and if/when they were denied, the CPC banker calling hit a brick wall. Much more reports of it not helping than helping.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 30, 2016, 10:48:14 AM
If an au is on your report it counts. If they remove it then it doesn't count.
If you tell them you're not responsible for the AU many reps will ignore them.

HUCA'd recon. Asked rep to read notes of previous rep that if removed as AU I'd be approved. Rep read notes, put me on hold, asked questions, hold again, asked questions.....

Approved.
Awesome.

If not pre-approved or cpc is there any point of going into branch or online the same?
Same.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 30, 2016, 10:48:54 AM
Well, lucky is not a Rayeh.....

There were multiple reports here and on other places, people being CPC and if/when they were denied, the CPC banker calling hit a brick wall. Much more reports of it not helping than helping.
You have no idea what you're talking about.
Lots of reports of Recon reps only working with the person because they're CPC.
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 30, 2016, 10:56:12 AM
Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.
I was rejected . Talked to supervisor in lending services . She deliberately told me that " she won't approve my app bc of being way over 5/24 . However if I would become CPC then the rile doesn't apply and would be approved" .
End of story . That good enough for you?
Title: Re: Chase Sapphire Reserve
Post by: 12HRS on August 30, 2016, 11:24:31 AM
I was rejected . Talked to supervisor in lending services . She deliberately told me that " she won't approve my app bc of being way over 5/24 . However if I would become CPC then the rile doesn't apply and would be approved" .
End of story . That good enough for you?

were actually able to make it happen? otherwise DROPR
Title: Re: Chase Sapphire Reserve
Post by: Yitzshpitz on August 30, 2016, 11:34:12 AM
What exactly can I say to reps when they tell me there is nothing to do bc im way over 5/24? Ive tried several times and spoke to a few supervisors. The only thing one rep told me is that I can get my Chase sapphire possibly upgraded but I wouldnt get 100k bonus. Is there any point in that?
Title: Re: Chase Sapphire Reserve
Post by: B.D.Da'ehu on August 30, 2016, 11:41:50 AM
What exactly can I say to reps when they tell me there is nothing to do bc im way over 5/24? Ive tried several times and spoke to a few supervisors. The only thing one rep told me is that I can get my Chase sapphire possibly upgraded but I wouldnt get 100k bonus. Is there any point in that?
You get the lounge pass, $300 x2 etc..
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 30, 2016, 11:43:23 AM
What exactly can I say to reps when they tell me there is nothing to do bc im way over 5/24? Ive tried several times and spoke to a few supervisors. The only thing one rep told me is that I can get my Chase sapphire possibly upgraded but I wouldnt get 100k bonus. Is there any point in that?
In my opinion there's no point of upgrading the card right now
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 30, 2016, 11:45:29 AM
I was rejected . Talked to supervisor in lending services . She deliberately told me that " she won't approve my app bc of being way over 5/24 . However if I would become CPC then the rile doesn't apply and would be approved" .
End of story . That good enough for you?
Make it happen. I would love you to prove me wrong.
Title: Re: Chase Sapphire Reserve
Post by: sillypainter on August 30, 2016, 11:48:46 AM
Funny how they asked me why I have so many Amex accounts open with Amex, took me as to realize that it's the SBS cards.
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 30, 2016, 12:00:29 PM
were actually able to make it happen? otherwise DROPR
Will update when it does
Title: Re: Chase Sapphire Reserve
Post by: ya on August 30, 2016, 12:22:15 PM
seems they are approving higher then normal credit limits. instant approval with $34k most of my chase cards have $10k or $15k

Anyone else see this?
Title: Re: Chase Sapphire Reserve
Post by: Baruch on August 30, 2016, 12:22:45 PM
If I'm pre approved, is there a point in applying in branch, or DDMS link will work too?
Title: Re: Chase Sapphire Reserve
Post by: sillypainter on August 30, 2016, 12:23:20 PM
APPROVED!

I'm not affected by 5/24.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 30, 2016, 12:29:05 PM
If I'm pre approved, is there a point in applying in branch, or DDMS link will work too?
Did you see the pre-approval online or in branch?
Title: Re: Chase Sapphire Reserve
Post by: Baruch on August 30, 2016, 12:30:07 PM
Did you see the pre-approval online or in branch?
In branch
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 30, 2016, 12:30:37 PM
In branch
Then you have to apply in branch.
Title: Re: Chase Sapphire Reserve
Post by: compddd on August 30, 2016, 12:39:33 PM
APPROVED!

I'm not affected by 5/24.

In branch or online?
Title: Re: Chase Sapphire Reserve
Post by: INTELLIGENTBLONDE on August 30, 2016, 01:14:14 PM
is there any way i can use my card before i get it in the mail?
i was able to get the card number from my local chase branch.. but not the 3 digit security code
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 30, 2016, 01:15:45 PM
anyone know if there's a referral bonus for this card yet? i've seen it for the CSP
Title: Re: Chase Sapphire Reserve
Post by: emjee on August 30, 2016, 01:20:32 PM
Make it happen. I would love you to prove me wrong.
Nobody is looking to prove u wrong . Just looking to see what works and what doesn't . I'm hoping for the best :)
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on August 30, 2016, 01:29:29 PM
anyone know if there's a referral bonus for this card yet? i've seen it for the CSP

are you trying to take away business from Dan?
what a free loader. you use Dan's site and then try to take away his business.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 30, 2016, 01:32:26 PM
are you trying to take away business from Dan?
what a free loader. you use Dan's site and then try to take away his business.
Downvote
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 30, 2016, 01:36:27 PM
are you trying to take away business from Dan?
what a free loader. you use Dan's site and then try to take away his business.
I'm not sure if you're kidding or not.
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 30, 2016, 02:02:29 PM
are you trying to take away business from Dan?
what a free loader. you use Dan's site and then try to take away his business.
Dude! Stop trippin! It's nice to use Dan's referral but there's no obligation to do so. Idk about you, but I would give a family member member or relative my own referral. No disrespect to Dan whatsoever. I respect Dan a lot!
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 30, 2016, 02:14:47 PM
You have no idea what you're talking about.
Lots of reports of Recon reps only working with the person because they're CPC.
True, but there are times where the CPC banker will run into a brick wall as well.

I've had that happen, and it's incredibly frustrating.
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 30, 2016, 02:16:38 PM
True, but there are times where the CPC banker will run into a brick wall as well.

I've had that happen, and it's incredibly frustrating.
It's not bulletproof. But to say it's not helpful is ignorant.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 30, 2016, 02:27:10 PM
It's not bulletproof. But to say it's not helpful is ignorant.
+1
I've seen many more DP of CPC helping than DP of it not helping.
Title: Re: Chase Sapphire Reserve
Post by: mimb on August 30, 2016, 02:30:28 PM
are you trying to take away business from Dan?
what a free loader. you use Dan's site and then try to take away his business.

WOW for someone who goes by the "Chief Rabbi of New York" you truly have a lot of chutzpah, judging me so quickly without knowing any details. As a matter of fact I have used Dan's links several times and am very grateful for all his advice. I was asking a simple question and you are under no obligation to respond. You should really get your act together, Elul is knocking on the door...
Title: Re: Chase Sapphire Reserve
Post by: Yordai Dooma on August 30, 2016, 02:31:19 PM
Data point:
Applied online. Pending for 30 days. Called the status line and said 30 days. I am not affected by 5/24 and am not CPC.
Called Recon, got through right away. Asked me how much CL i need. Said i am more than willing to move CL from other cards (currently have about 95K in total CLs with chase).
Put me on hold, came back and approved me moving some available CL from another card.

Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on August 30, 2016, 02:37:48 PM
Data point:
Applied online. Pending for 30 days. Called the status line and said 30 days. I am not affected by 5/24 and am not CPC.
Called Recon, got through right away. Asked me how much CL i need. Said i am more than willing to move CL from other cards (currently have about 95K in total CLs with chase).
Put me on hold, came back and approved me moving some available CL from another card.

So you were under 5/24. Somewhat expected, still congrats.
Title: Re: Chase Sapphire Reserve
Post by: Yordai Dooma on August 30, 2016, 02:39:03 PM
So you were under 5/24. Somewhat expected, still congrats.
i didnt expect to have a hard time being approved but thoughts people could use the DP.
I do have heavy usage of my cards at times and have alot of open cards. i thought perhaps they would give me trouble about it.
Title: Re: Chase Sapphire Reserve
Post by: henche on August 30, 2016, 02:46:59 PM
So you were under 5/24. Somewhat expected, still congrats.

You don't have to say all that. Just click on "like".
Title: Re: Chase Sapphire Reserve
Post by: coralsnake on August 30, 2016, 02:56:11 PM
You don't have to say all that. Just click on "like".
Where is the dislike button?
Title: Re: Chase Sapphire Reserve
Post by: readicculus on August 30, 2016, 02:57:13 PM
well i got approved for my real first credit card!! woop woop!
now i gotta figure out how im gonna spend 4k in 90. any tips?
are there any things that dont count?
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 30, 2016, 02:59:09 PM
are there any things that dont count?
Visa GC
Title: Re: Chase Sapphire Reserve
Post by: readicculus on August 30, 2016, 03:01:16 PM
can i pay bills with it, or other cc bills?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 30, 2016, 03:14:19 PM
Is CPC a workaround for all cards..Like I can apply for an ink as well or just the reserve?
Title: Re: Chase Sapphire Reserve
Post by: AsherO on August 30, 2016, 03:15:23 PM
Where is the dislike button?

You mean this:

(http://i65.tinypic.com/1z542kz.png)

:D
Title: Re: Chase Sapphire Reserve
Post by: Yitz on August 30, 2016, 03:16:08 PM
can i pay bills with it, or other cc bills?
you can pay other bills you can not pay CC
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 30, 2016, 03:22:33 PM
Is CPC a workaround for all cards..Like I can apply for an ink as well or just the reserve?
It's been known to help sometimes for other cards. It is just getting all the attention here because of the popularity of the card.
Title: Re: Chase Sapphire Reserve
Post by: sillypainter on August 30, 2016, 03:57:57 PM
In branch or online?

By Lending services on phone.
Title: Re: Chase Sapphire Reserve
Post by: readicculus on August 30, 2016, 04:29:25 PM
you can pay other bills you can not pay CC
any work around?
any other tips?
Title: Re: Chase Sapphire Reserve
Post by: dpk4588 on August 30, 2016, 05:55:29 PM
well i got approved for my real first credit card!! woop woop!
now i gotta figure out how im gonna spend 4k in 90. any tips?
are there any things that dont count?
Generally its not wise to get a credit card if you dont know how to/can't meet the spending threshold. Either you're going to end up spending beyond your means to hit it, or you're not gonna meet the spend and will have wasted a pull/new account and will have paid the AF for no reason.

Its not really no reason in this case because in the first year you get 2 $300 travel reimbursements, so as long as you normally spend that much on what Chase codes as travel you still come out on top, but its still generally a good rule. IMHO. 
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 30, 2016, 06:00:42 PM
Just got instant approval online for my wife. Not a big surprise because she was 4/24 but the CL was disproportionately large compared to all my other experiences with Chase cards. They gave her $24k.

What other cards should I apply for her now to merge the pull? I have until midnight?
Title: Re: Chase Sapphire Reserve
Post by: Dan on August 30, 2016, 06:02:56 PM
What other cards does she have open?
And why didn't you 3BM it?
Title: Re: Chase Sapphire Reserve
Post by: Hershelsdeals on August 30, 2016, 06:04:07 PM
What other cards does she have open?
And why didn't you 3BM it?
Hey, wasn't that dead?  Or are you trying to hint that it works for 5/24
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 30, 2016, 06:22:53 PM
What other cards does she have open?
And why didn't you 3BM it?
She has an ink cash. That's all for primary. she's also an AU on a sapphire, ihg, two freedoms, ink charge, ink credit, and united. Do those count?

As for 3bm... I'm not in that frame of mind. Obviously we need to farbreng.

Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 30, 2016, 06:24:13 PM
Just got mine
No box
Not impressed

Sapphire looks even nicer
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on August 30, 2016, 06:40:17 PM
Applied. Reconed. Used exact same language as poster. No luck, hard decline.
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on August 30, 2016, 06:43:34 PM
Applied. Reconed. Used exact same language as poster. No luck, hard decline.
Huca?
Title: Re: Chase Sapphire Reserve
Post by: chff on August 30, 2016, 07:49:02 PM
Just got mine
No box
Not impressed

Sapphire looks even nicer
Me too. Didn't i see TPG got it in a nice box?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 30, 2016, 08:03:57 PM
Way over 5/24...Got approved with CPC. Should I also throw in an ink (have 2 already) or CPC wont work for 2 and I should just go for ritz?
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 30, 2016, 08:17:50 PM
Me too. Didn't i see TPG got it in a nice box?
He prob made his own box special for his blog
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on August 30, 2016, 08:43:56 PM
Rep told me welcome package will come in a separate box
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 30, 2016, 08:49:35 PM
I have a stack of the boxes. Anyone who wants one is welcome to pick one up. There's really nothing inside, besides for a fancy pouch for the T&Cs.
Title: Re: Chase Sapphire Reserve
Post by: Freddie on August 30, 2016, 08:52:47 PM
I have a stack of the boxes. Anyone who wants one is welcome to pick one up. There's really nothing inside, besides for a fancy pouch for the T&Cs.
So you're a farmer?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 30, 2016, 08:56:31 PM
How can I got my bro from isreal onto my CPC  account?
Title: Re: Chase Sapphire Reserve
Post by: coralsnake on August 30, 2016, 09:02:46 PM
So you're a farmer?
Old McDavid had a farm...
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 30, 2016, 09:13:41 PM
Old McDavid had a farm...
Title: Re: Chase Sapphire Reserve
Post by: m.m. on August 30, 2016, 09:26:10 PM
sounds like they ran out of welcome boxes
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on August 30, 2016, 09:41:14 PM
I was told you need 250K in chase to be CPC

You're supposed to have 250k, but bankers can accept less initially. Real minimum is $1,000, although anything under $100,000 is supposed to raise a flag for banker review. I assume people will lose CPC if they don't transfer funds after a set period of time.

is there a referral bonus set up for this card yet? i know they have it for the sapphire preferred

Not yet

If not pre-approved or cpc is there any point of going into branch or online the same?

Are you not pre-approved in branch? Because in branch pre-approvals and online are different. If not pre-approved in branch, it's the same and you might as well use Dan's link.

Just got mine
No box
Not impressed

Sapphire looks even nicer

Ran out of boxes apparently. I wonder if you can call and get some sort of compensation for no box?  ;D
Title: Re: Chase Sapphire Reserve
Post by: davidmal on August 30, 2016, 09:41:56 PM
You're supposed to have 250k, but bankers can accept less initially. Real minimum is $1,000, although anything under $100,000 is supposed to raise a flag for banker review. I assume people will lose CPC if they don't transfer funds after a set period of time.

Not yet

Are you not pre-approved in branch? Because in branch pre-approvals and online are different. If not pre-approved in branch, it's the same and you might as well use Dan's link.

Ran out of boxes apparently. I wonder if you can call and get some sort of compensation for no box?  ;D
150k lol
Title: Re: Chase Sapphire Reserve
Post by: Z56 on August 30, 2016, 10:12:21 PM
Quick question, My banker made my account CPC my account is a joint with my wife, is my wife also CPC ? What other benfits does CPC have ?
Title: Re: Chase Sapphire Reserve
Post by: zow on August 30, 2016, 10:19:04 PM
My 18yo son was declined.
Used 100K income and no  housing payments; he is student.
Initial reason for denial was 5/24, but explained that most of those are AU and he only has 2 of his own cards. The reconsidered, then said credit history is too brief (less than 6 months), esp. given the 10k CL for this card.
Spoke to "customer resolution", who re-evaluated and said same thing.
I asked if he could make the application for CSP but said would need to reapply online, but no guarantee, even though it's lower CL, because the short credit history is a problem.
What's my son's best next move?
1. Walk away?
2. Apply for CSP?
3. Apply for Freedom?

And if best step is to apply, how long does he have so that the credit pulls can be merged? 24hours?

Thanks for any/all advice.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 30, 2016, 10:30:53 PM
My 18yo son was declined.
Used 100K income and no  housing payments; he is student.
Initial reason for denial was 5/24, but explained that most of those are AU and he only has 2 of his own cards. The reconsidered, then said credit history is too brief (less than 6 months), esp. given the 10k CL for this card.
Spoke to "customer resolution", who re-evaluated and said same thing.
I asked if he could make the application for CSP but said would need to reapply online, but no guarantee, even though it's lower CL, because the short credit history is a problem.
What's my son's best next move?
1. Walk away?
2. Apply for CSP?
3. Apply for Freedom?

And if best step is to apply, how long does he have so that the credit pulls can be merged? 24hours?

Thanks for any/all advice.
Why is he over 5/24 with AUs but less than 6 months history? Nothing backdated, or they ignored them?

BTW, it's illegal to put down household income for an applicant under 21, if you care.
Title: Re: Chase Sapphire Reserve
Post by: DaveInLA on August 30, 2016, 11:07:42 PM
I'm still not sure what to make of CPC. I went with my wife to one of our local branches. I became a CPC 1 week ago, but the CPC wasn't here today. We went to a regular banker and my wife applied through him. We told him we are CPC. She was not pre-approved, and the screen said pending. He called in and was told we would get a decision in a week or 2. He didn't push hard. When we went home, my wife called and was told a decision was already made and she was rejected for "too many accounts in past 2 years" (10/24). She mentioned that CPC banker told us CPC is supposed to help us bypass that. The guy then said "let's have another look" and asked my wife questions about employer, income, then asked if he could reallocate some funds. She said yes, and she was approved for $10K! So in this instance, I know that CPC helped.

I applied last Monday 8/22 and was rejected for 12/24. I joined CPC the next day (I know know I should've done it before applying, but I didn't think I would get accepted as CPC) and call recon after that. The CSR said they would reconsider my app (previously was a hard rejection), and that I would hear in 1-2 weeks. It's been several days now. I'm going to wait a couple weeks, but given my wife's success, I wonder if the agent I spoke with had the power for me to be approved.
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 31, 2016, 12:09:26 AM
Way over 5/24...Got approved with CPC. Should I also throw in an ink (have 2 already) or CPC wont work for 2 and I should just go for ritz?
Pre-approved? Instant approval? Recon? Who called, you or rep?
Title: Re: Chase Sapphire Reserve
Post by: Jkhein on August 31, 2016, 12:12:10 AM
Can I convert a regular sapphire to this card and get some of the benefits like airline credits etc that are not welcome bonuses?
Title: Chase Sapphire Reserve
Post by: mmgfarb on August 31, 2016, 12:13:03 AM
Can I covert a regular sapphire to this card and get some of the benefits like airline credits etc that are not welcome bonuses?
Yes but only if you do it secretly.
Title: Re: Chase Sapphire Reserve
Post by: Zalc on August 31, 2016, 05:29:05 AM
I had $63 in my account and got cpc.  So no real min
On what basis did you get it with such a small balance?
Joint account or schmoozing?
Title: Re: Chase Sapphire Reserve
Post by: ya on August 31, 2016, 08:16:13 AM
On what basis did you get it with such a small balance?
Joint account or schmoozing?
My only point was no hard min. Schmoozing
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 31, 2016, 08:31:29 AM
If i was added as an AU account and the primary holder did have it removed from reporting to the Bureau so the credit report for that card stopped updating few months back.

Will that count in 5/24?
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 31, 2016, 10:25:21 AM
With so many people getting CPC with little money in the account it's a matter of time until the whole "special treatment"  for CPC is gone..
Title: Re: Chase Sapphire Reserve
Post by: AJK on August 31, 2016, 10:28:19 AM
Probably, which means get while the gettin is good.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on August 31, 2016, 10:32:01 AM
With so many people getting CPC with little money in the account it's a matter of time until the whole "special treatment"  for CPC is gone..
Of course. Bloggers not shutting up and forums endlessly posting "data points" and endless discussion kills everything. I agree with you 100%.


I don't wanna hear any talk about CPC.

Title: Re: Chase Sapphire Reserve
Post by: BOOKY on August 31, 2016, 11:02:15 AM
I applied online for a priority pass, it's just a click, am I supposed to get a confirmation or an email that the pass will be mailed out or It will come without a confirmation? And How long does it usually take to get the pass?
Title: Re: Chase Sapphire Reserve
Post by: elibeli2 on August 31, 2016, 02:21:31 PM
Walked into branch today for the heck of it. I am way way over 5/24.

Was told I am pre-approved. Applied instantly approved with 35K CL. Was totally shocked! I am a happy camper.
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 31, 2016, 02:57:38 PM
Where does Chase pull from in NY?
Title: Re: Chase Sapphire Reserve
Post by: E R K on August 31, 2016, 03:01:57 PM
Experian
Title: Re: Chase Sapphire Reserve
Post by: ilherman on August 31, 2016, 04:34:25 PM
I remember seeing some TU pulls as well. Makes sense?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on August 31, 2016, 04:40:57 PM
I remember seeing some TU pulls as well. Makes sense?
They pulled TU for me 3 years ago, but all EX since.
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on August 31, 2016, 04:51:05 PM
Walked into branch today for the heck of it. I am way way over 5/24.

Was told I am pre-approved. Applied instantly approved with 35K CL. Was totally shocked! I am a happy camper.
Are you cpc?
Title: Re: Chase Sapphire Reserve
Post by: chaimmayer on August 31, 2016, 06:18:53 PM
Walked into branch today for the heck of it. I am way way over 5/24.

Was told I am pre-approved. Applied instantly approved with 35K CL. Was totally shocked! I am a happy camper.
I basically had the same experience today.
Are you cpc?
No I'm not.
I sh oozed with the bank manager about getting cpc and he explained to me that I don't have enough money there hence its not for me.
Then I asked him about applying.  He said to me you're welcome to apply for anything you want.
I said oh can you check if I'm preaaproved? He said sure and said I was.  It seemed like he did not have to do anything special to push it through and it just happened on its own.
Yes it made my day too!
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 31, 2016, 06:21:08 PM
a friend applied for reserve and got approved.. then applied on same day for CSP and it says wait 7-10 days.. is it a better to let them decide on their own and wait the 7-10 days or call recon and get it approved ?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 31, 2016, 06:26:21 PM
a friend applied for reserve and got approved.. then applied on same day for CSP and it says wait 7-10 days.. is it a better to let them decide on their own and wait the 7-10 days or call recon and get it approved ?
7-10 days usually means it will be declined.  I would call.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 31, 2016, 07:25:36 PM
Dan, are you sure there is another GE credit for AU?

Quote
Additional cardholders can also get a $100 credit for Global Entry membership every 4 years.
from http://www.dansdeals.com/archives/93750

Here is a DP that indicates otherwise.
https://www.reddit.com/r/churning/comments/4z0sy0/chase_sapphire_reserve_megathread_online/d73dfg0

Title: Re: Chase Sapphire Reserve
Post by: Dan on August 31, 2016, 07:28:37 PM
2 SM reps confirmed it for me:
https://i.gyazo.com/09ce4ae941d79d70aedb0c5fcac62903.png

And further clarified here:
https://i.gyazo.com/7c113eb7de2e65f6b22f204b8a0cb239.png

And a phone rep confirmed it as well to me.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on August 31, 2016, 07:32:44 PM
2 SM reps confirmed it for me:
https://i.gyazo.com/09ce4ae941d79d70aedb0c5fcac62903.png

And further clarified here:
https://i.gyazo.com/7c113eb7de2e65f6b22f204b8a0cb239.png

And a phone rep confirmed it as well to me.
Thanks.

I just noticed a comment where you mentioned that any banker can give you CPC status.
What would you (or anyone here) advise for someone who isn't close to $250k with chase, should I speak to a regular banker or a CPC banker?
Title: Re: Chase Sapphire Reserve
Post by: Hamavin on August 31, 2016, 08:58:26 PM
I am a CPC and trying to figure out a way to get my bro that lives in isreal the status as well. I tried online to set up joint account and it says that only individual accounts can be opened online and not joint. Any other ideas??
Title: Re: Chase Sapphire Reserve
Post by: manymiles on August 31, 2016, 10:02:38 PM
got denied online
called
14 FOURTEEN cards in 24 months
no chance
went into bank a few days later
was prequalified
tried my luck (and prayed)
applied in branch
was approved !
Title: Re: Chase Sapphire Reserve
Post by: Amexpoints on August 31, 2016, 10:46:23 PM
If you have your ez-pass set to auto replenish then make sure to switch it to your new card as it is considered to be in the travel category.
Title: Re: Chase Sapphire Reserve
Post by: teenguy on August 31, 2016, 11:09:52 PM
7-10 days usually means it will be declined.  I would call.

Called and they said its declined for having too many cards. i think he is at 4/24.. clearly that is not true as CSR was approved but CSP was declined.. they said the reason will come in mail in 1-2 weeks and then you can call if you think the reason is not correct..

What to do now.. wait for the letter to come in mail and then call or call again and try to get it approved ?
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on September 01, 2016, 12:00:48 AM
Application page now lists 5/24 rule.

Quote
You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 12:06:19 AM
Application page now lists 5/24 rule.

How does that absolute statement explain the people who were approved?
Title: Re: Chase Sapphire Reserve
Post by: JT27MP on September 01, 2016, 12:07:32 AM
Are AMEX Platinum business cards included in the 5/24 rule?
Or is it only if you apply for personal cards?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on September 01, 2016, 12:10:20 AM
Are AMEX Platinum business cards included in the 5/24 rule?
Or is it only if you apply for personal cards?
Amex business cards don't count as they aren't reported on personal credit report.
Title: Re: Chase Sapphire Reserve
Post by: m.m. on September 01, 2016, 12:19:19 AM
Application page now lists 5/24 rule.
weird, it only has that on the reserve application...
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on September 01, 2016, 12:26:20 AM
How does that absolute statement explain the people who were approved?

Usually they have CPC, or are under 5/24 when considering AU & business cards. Seen very few if any DP that are otherwise.
Title: Re: Chase Sapphire Reserve
Post by: Freddie on September 01, 2016, 12:29:12 AM
Usually they have CPC, or are under 5/24 when considering AU & business cards. Seen very few if any DP that are otherwise.

Hey, @doctorofcredit, we added a 'like' system over here. You gotta try to get likes so people will know you are reliable.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 12:30:24 AM
Usually they have CPC, or are under 5/24 when considering AU & business cards. Seen very few if any DP that are otherwise.

and all the pre-approvals? Just seems deceptive if you are writing a definitive statement to not hold by it.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 12:31:42 AM
Hey, @doctorofcredit, we added a 'like' system over here. You gotta try to get likes so people will know you are reliable.

People on this forum know that DoC is reliable.
Title: Re: Chase Sapphire Reserve
Post by: shulem92 on September 01, 2016, 12:32:46 AM
People on this forum know that DoC is reliable.
People on this forum know that Freddie is sarcastic
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 12:34:03 AM
People on this forum know that Freddie is sarcastic

Burn.
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on September 01, 2016, 12:48:46 AM
and all the pre-approvals? Just seems deceptive if you are writing a definitive statement to not hold by it.

I assume in branch pre-approvals won't have this language on them. Kind of like how some AmEx targeted offers don't have their limiting language. Should make it easier to know with Chase!

Hey, @doctorofcredit, we added a 'like' system over here. You gotta try to get likes so people will know you are reliable.

Thanks for the tip, I will add a desperate plea for likes at the end of each post.

If you thought this post was helpful, push that LIKE button
  8) 8) 8) 8) 8) 8) 8) 8) 8) 8)
Title: Re: Chase Sapphire Reserve
Post by: joe1234 on September 01, 2016, 12:53:10 AM
I assume in branch pre-approvals won't have this language on them. Kind of like how some AmEx targeted offers don't have their limiting language. Should make it easier to know with Chase!

Thanks for the tip, I will add a desperate plea for likes at the end of each post.

If you thought this post was helpful, push that LIKE button
  8) 8) 8) 8) 8) 8) 8) 8) 8) 8)
Trying to push it but it ain't workin  :P
Title: Re: Chase Sapphire Reserve
Post by: readicculus on September 01, 2016, 03:33:48 AM
can airfare or hotel rooms be used toward the 4k spending threshold?
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on September 01, 2016, 03:57:23 AM
can airfare or hotel rooms be used toward the 4k spending threshold?
Of course. If you are asking if the money spent towards the $300 credit counts, most people are saying that it probably will but that you shouldn't risk it.
Title: Re: Chase Sapphire Reserve
Post by: Amexpoints on September 01, 2016, 07:20:37 AM
If you cancel the card is the af prorated?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 01, 2016, 08:32:20 AM
If you cancel the card is the af prorated?
Chase doesn't prorate
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 10:02:13 AM

Also, the rep was very nice. He said it wasn't public information but there may be some changes to 5/24 next month. No idea how legit that is, but it is what he told me.

Application page now lists 5/24 rule.
Title: Re: Chase Sapphire Reserve
Post by: rochk123 on September 01, 2016, 10:11:16 AM
Of course. If you are asking if the money spent towards the $300 credit counts, most people are saying that it probably will but that you shouldn't risk it.

So if airfare and hotels dont count, what does count?
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on September 01, 2016, 10:15:57 AM
Chase doesn't prorate
-1 of course they prorate but only if you downgrade
Title: Re: Chase Sapphire Reserve
Post by: CreamofSoup on September 01, 2016, 10:16:35 AM
So if airfare and hotels dont count, what does count?
I may be wrong, but I think you misunderstood the question. The initial questions/answer is would spending on travel that gets reimbursed count towards the $4k for the bonus, not if it will qualify for reimbursement.
can airfare or hotel rooms be used toward the 4k spending threshold?
Of course. If you are asking if the money spent towards the $300 credit counts, most people are saying that it probably will but that you shouldn't risk it.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 01, 2016, 10:16:48 AM
-1 of course they prorate but only if you downgrade
Read his question
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on September 01, 2016, 10:16:53 AM
I assume in branch pre-approvals won't have this language on them. Kind of like how some AmEx targeted offers don't have their limiting language. Should make it easier to know with Chase!

Thanks for the tip, I will add a desperate plea for likes at the end of each post.

If you thought this post was helpful, push that LIKE button
  8) 8) 8) 8) 8) 8) 8) 8) 8) 8)
If only talpatalk had a like button
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on September 01, 2016, 10:17:44 AM
Read his question
My bad
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 10:44:19 AM
Guys, listen up, I still haven't seen any real data that CPC does anything. Many people have reported getting approved instantly online and in branch while being over 5/24 without CPC.

Now if someone would come with a story that he was over 5/24 and was declined for that reason and his banker overturned the decision because of his PC status that would be data.  Until then I don't wanna hear any talk about CPC.

You want a story? Fine.

Applied for CSR.  Declined for 5/24. Then another hard decline after recon for 5/24. Then my CPC banker called and got me approved (though it did take some pushing).

Tada...

(https://api.monosnap.com/rpc/file/download?id=mvlB44oXfwV4KjYrTgIcxdL7uBmDhP)


Title: Re: Chase Sapphire Reserve
Post by: NYHeel on September 01, 2016, 11:23:06 AM
How does the Global Entry reimbursement timing rule work with AU cards? It's once every 4 years but what If I take out an AU card in someone else's name? Does it go by the name on the AU card or the number of total AU cards? Also, is the $75 fee prorated if I close the AU card after a month?

For example, get the card for me and one AU card for wife. Apply for 2 Global Entry applications for me and wife. Close the AU card. Open another AU card with son's name on it, shortly thereafter. Apply for global entry for son. Close AU card and rinse repeat for more applications.

Would that work?
Title: Re: Chase Sapphire Reserve
Post by: AsherO on September 01, 2016, 11:44:45 AM
If you thought this post was helpful, push that LIKE button[/i]  8) 8) 8) 8) 8) 8) 8) 8) 8) 8)

I'm trying to like, but it says:

"Likes are currently disabled for this user, he is under investigation for Like-fraud"
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 12:32:06 PM

Then my CPC banker called and got me approved (though it did take some pushing).

So basically it's not enough just to get CPC, you have to be ready to nudge your CPC banker to push through a measly credit card app.. (After all your tales of transferring a million next week ;)
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 12:35:20 PM
I didn't mean I pushed the CPC, but rather the CPC pushed lending rep.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 12:51:46 PM
So basically it's not enough just to get CPC, you have to be ready to nudge your CPC banker to push through a measly credit card app.. (After all your tales of transferring a million next week ;)
The CPC bankers usually aren't rolling in the dough themselves. Retail banking sucks. They get almost as excited for a couple of bank accounts as we do for a credit card.
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 12:55:19 PM
The CPC bankers usually aren't rolling in the dough themselves. Retail banking sucks. They get almost as excited for a couple of bank accounts as we do for a credit card.

For them its all about Savings and Investment Account growth. CCs get them close to nothing according to the CPC I spoke to yesterday.
Title: Re: Chase Sapphire Reserve
Post by: PETERP on September 01, 2016, 01:22:14 PM
For them its all about Savings and Investment Account growth. CCs get them close to nothing according to the CPC I spoke to yesterday.

I PMd you .
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 01, 2016, 01:28:59 PM
Now the question is, does CPC help with the new language on the application.
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 01:30:00 PM
Now the question is, does CPC help with the new language on the application.

New language isnt that new in terms of them applying it. It just means that they put their T&C where their mouth is. Should still be the same.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 01, 2016, 01:30:38 PM
New language isnt that new in terms of them applying it. It just means that they put their T&C where their mouth is. Should still be the same.
Alright. Going to go for it. Way over 5/24. Hope CPC will help.
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 01:42:35 PM
New language isnt that new in terms of them applying it. It just means that they put their T&C where their mouth is. Should still be the same.

Correct.
Title: Re: Chase Sapphire Reserve
Post by: compddd on September 01, 2016, 01:48:26 PM
Now the question is, does CPC help with the new language on the application.

What is the new language?
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 01, 2016, 01:49:44 PM
What is the new language?
Application page now lists 5/24 rule.
Title: Re: Chase Sapphire Reserve
Post by: readicculus on September 01, 2016, 02:16:59 PM
Of course. If you are asking if the money spent towards the $300 credit counts, most people are saying that it probably will but that you shouldn't risk it.
what i meant was if i book a hotel room will that count towards the 4k i need to spend? can i cancel the room after a few months and still keep the points?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 02:18:15 PM
what i meant was if i book a hotel room will that count towards the 4k i need to spend? can i cancel the room after a few months and still keep the points?
Ahh, you should have mentioned you were talking about refundables.
Title: Re: Chase Sapphire Reserve
Post by: Zevwolf on September 01, 2016, 02:20:17 PM
How long does it usually take for an application under review to complete the review?
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 02:28:06 PM
Anyone else seeing that the Reserve application is down?
Title: Re: Chase Sapphire Reserve
Post by: yakrot on September 01, 2016, 02:29:53 PM
what i meant was if i book a hotel room will that count towards the 4k i need to spend? can i cancel the room after a few months and still keep the points?
Refundables are never a good idea. Stay away from them.
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 02:30:13 PM
Anyone else seeing that the Reserve application is down?

Wow, maybe they blew through their budget already...

(https://api.monosnap.com/rpc/file/download?id=kkGz7k3ucPu6lpKH3obGfWJTDL9ZCI)
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 02:31:39 PM
Mother of God!  :o
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on September 01, 2016, 02:35:48 PM
dont worry
offer is still available
i just called chase
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 02:38:13 PM
dont worry
offer is still available
i just called chase

who did you speak to? phone applications for reserve are not available.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 02:40:49 PM
Per Chase Senior Lending analyst they are "updating" the application and it will be back "shortly"
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on September 01, 2016, 02:53:01 PM
Per Chase Senior Lending analyst they are "updating" the application and it will be back "shortly"

hmm
maybe with only a 50k sign up bonus?
Title: Re: Chase Sapphire Reserve
Post by: coralsnake on September 01, 2016, 02:54:16 PM
hmm
maybe with only a 150k sign up bonus?
FTFY  ;D (hey- why not? ;))
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on September 01, 2016, 02:57:04 PM
hmm
maybe with only a 50k sign up bonus?

Happy I just got approvals for both my wife and I before it went down  8)

FYI update to earlier: They finally approved my application after it sat pending (after I spoke to reconsideration and verification) for a week+. Applied for my wife earlier today, instant approval. 
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on September 01, 2016, 03:01:45 PM
FTFY  ;D (hey- why not? ;))

I hope, then i sm chase to match.
then i call up chase and ask for more points due to the time of messaging them and ask for compensation
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 03:11:26 PM
DP:

Applied via CPC (without being one).

Well well over 5/24. Instant Approval.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 03:12:10 PM
Correct.
You're saying this from experience?
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:13:04 PM
DP:

Applied via CPC (without being one) in branch.

Well well over 5/24. Instant Approval.
When?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 03:14:04 PM
When?

3 minutes ago.
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:14:56 PM
3 minutes ago.
So offer still alive in branch? It's down online..
Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on September 01, 2016, 03:15:13 PM
3 minutes ago.

for the 50k or 150k offer?
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 03:15:35 PM
So offer still alive in branch? It's down online..

CSR now showing in my Chase profile.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 03:15:55 PM
for the 50k or 150k offer?
Both. 200k altogether.
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:16:18 PM
for the 50k or 150k offer?
Huh?
Title: Re: Chase Sapphire Reserve
Post by: unclesam on September 01, 2016, 03:17:56 PM
Applied in bank last week was pre qualified over 5/24 no cpc application status line gave the you will be notified in 30 days
did not call. Logged In Yesterday to my account and saw it there.
Don't remember seeing any DP anyone getting approved after being pending without calling. 
Title: Re: Chase Sapphire Reserve
Post by: benjie1305 on September 01, 2016, 03:19:35 PM
Both. 200k altogether.

 :D
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 03:20:15 PM
Application showing online for me.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 01, 2016, 03:21:35 PM


DP:

Applied via CPC (without being one) in branch.

How'd you pull that off ?
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:21:44 PM
Application showing online for me.
Link?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 03:26:21 PM
Link?
Dan's link works fine.
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 01, 2016, 03:26:39 PM
Application showing online for me.
Dan's link works fine.
After clicking "Apply Now" ?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 03:28:02 PM
After clicking "Apply Now" ?
No, right.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 01, 2016, 03:30:42 PM
I am CPC, and way over 5/24.  Wasn't pre approved in branch. Applied online, and initially got declined due to too many account opened within the last 2 years.
Got the app. reconsidered and it's being sent to the higher department for review and verification. Was told it can take up to 30 days to get a response.

Asked the rep. about reallocating credit, and initially he said that I'd be able to do that without having to wait for an approval.
When he tried it, he said that, that also needs to go verification.
Not really sure what it all means, but definitely better then decline.
Title: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:38:50 PM
According to Chase rep I just spoke with:

App Temporarily down online for "maintenance". 100k offer and other benefits will all be the same. 100k offer is not a time sensitive offer (for now), but is standard bonus for this "elite" card.

Application is still live at branch, and is expected to be back online within hours.
Title: Re: Chase Sapphire Reserve
Post by: JosephM on September 01, 2016, 03:51:05 PM
Applied via CPC (without being one).

This is very confusing, what does it mean to apply via CPC without being one?
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 03:51:58 PM
This is very confusing, what does it mean to apply via CPC without being one?
Means that the designated CPC banker processed application.
Title: Re: Chase Sapphire Reserve
Post by: Ysturmwind on September 01, 2016, 04:43:19 PM
I am CPC, and way over 5/24.  Wasn't pre approved in branch. Applied online, and initially got declined due to too many account opened within the last 2 years.
Got the app. reconsidered and it's being sent to the higher department for review and verification. Was told it can take up to 30 days to get a response.

Asked the rep. about reallocating credit, and initially he said that I'd be able to do that without having to wait for an approval.
When he tried it, he said that, that also needs to go verification.
Not really sure what it all means, but definitely better then decline.

I was under 5/24 but had to deal with the same thing. My application was pending for over a week then was finally approved yesterday. 
Title: Re: Chase Sapphire Reserve
Post by: Shauly101 on September 01, 2016, 04:53:44 PM
yup!! after being declined online for 5/24, i was pre-approved in branch but i was listening to the 2 week notice on the phone system, finally approved!!! im about 27/24, i did lower CL on my old untouched cards before going into branch, got 24k!!!

any new data on expediting card?

Title: Re: Chase Sapphire Reserve
Post by: readicculus on September 01, 2016, 04:53:58 PM
Ahh, you should have mentioned you were talking about refundables.
sorry
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 01, 2016, 05:01:49 PM
I was under 5/24 but had to deal with the same thing. My application was pending for over a week then was finally approved yesterday.
Good for you.
Now trying to decide if i should apply for other chase cards.
Not sure if it'll have any affect on the reserve app.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 05:04:52 PM
Application is back up without the 5/24 language.
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 05:08:35 PM
Bizarre.

One can only think that legal got a hold of them and said that's a no-no.

Perhaps it would have a discriminatory impact on the impoverished who may apply for more credit cards?  ???
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 05:10:50 PM
Bizarre.

One can only think that legal got a hold of them and said that's a no-no.

Perhaps it would have a discriminatory impact on the impoverished who may apply for more credit cards?  ???

Yeah, considering CPC, pre-approvals, and others don't seem to have that rule apply.
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 05:12:00 PM
He said it wasn't public information but there may be some changes to 5/24 next month. No idea how legit that is, but it is what he told me.
Application is back up without the 5/24 language.
Title: Re: Chase Sapphire Reserve
Post by: Dan on September 01, 2016, 05:18:52 PM
Weird!
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 05:20:08 PM
Weird!
You think it's really a free-for-all now?
Title: Re: Chase Sapphire Reserve
Post by: MosheD on September 01, 2016, 05:24:43 PM
You think it's really a free-for-all now?
I most definitely don't
Title: Re: Chase Sapphire Reserve
Post by: B.D.Da'ehu on September 01, 2016, 05:25:21 PM
I most definitely don't
Yeah, hard to believe.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 05:26:28 PM
Weird!
Exceedingly so
Title: Re: Chase Sapphire Reserve
Post by: B.D.Da'ehu on September 01, 2016, 05:27:08 PM
Exceedingly so
What's your prediction?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 05:30:13 PM
What's your prediction?
Who am I to make predictions?

I don't think anything changed. There must have been backlash from the legal department for the wording (I don't think it's legal to discourage one from applying for credit).
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 05:33:53 PM
Theory:

CSR is intended to counter Amex Platinum. Obviously churners aren't too profitable, but there are plenty of "moderates" stuck in 5/24.  They figure most serious churners will jump and apply in the first two weeks-strict 5/24 enforcement.

Now- loosen up and lure all the other Amex customers.
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 05:43:45 PM
DP not 5/24 related: My relative was just approved for this card with only 6 months credit history (a chase Freedom), a fairly low salary and no crazy balances at Chase. 10k limit. Looks like the credit approval standards for this card are very relaxed.
Title: Re: Chase Sapphire Reserve
Post by: avadah on September 01, 2016, 05:43:57 PM
Does CSR make you CPC?
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 05:44:24 PM
Does CSR make you CPC?
No.
Title: Re: Chase Sapphire Reserve
Post by: mochjas on September 01, 2016, 05:45:28 PM
Does CSR make you CPC?
who needs cpc if you have the CSR?
Title: Re: Chase Sapphire Reserve
Post by: compddd on September 01, 2016, 05:52:20 PM
Anyone over 5/24 try since the app came back up with 5/24 language gone?
Title: Re: Chase Sapphire Reserve
Post by: Triple Canopy on September 01, 2016, 05:53:21 PM
Anyone over 5/24 try since the app came back up with 5/24 language gone?

I called recon, same as usual.
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 05:56:52 PM
I called recon, same as usual.
When did you apply?
Title: Re: Chase Sapphire Reserve
Post by: Dan on September 01, 2016, 06:03:03 PM
Data point.
Applied for CSR and CSP for a friend via 2BM.
He's had CSP in that past, currently under 5/24.
Instant approval for both.
Title: Re: Chase Sapphire Reserve
Post by: keemster26 on September 01, 2016, 06:04:04 PM
Data point.
Applied for CSR and CSP for a friend via 2BM.
Instant approval for both.
Was your friend Cpc?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 01, 2016, 06:05:40 PM
Data point.
Applied for CSR and CSP for a friend via 2BM.
He's had CSP in that past, currently under 5/24.
Instant approval for both.
How do you define 2BM? Pressing submit simultaneously?

He's received CSP bonus in past 24 months?



Title: Re: Chase Sapphire Reserve
Post by: Chief Rabbi of New York on September 01, 2016, 06:06:20 PM
Data point.
Applied for CSR and CSP for a friend via 2BM.
He's had CSP in that past, currently under 5/24.
Instant approval for both.

under 5/24
who cares?
Title: Re: Chase Sapphire Reserve
Post by: yandmk on September 01, 2016, 06:19:46 PM
I applied for my wife last week and got declined. She's under 5/24. I called recon. and the kind rep. tried getting her approved after offering to transfer some CL from her CSP. But just before confirming, she said she needs to transfer me to verifications dep. to answer some questions. She transferred me, and I answered whatever they asked, and the app went into pending status.
This was already a few days ago. Every time I try calling recon. (lending dept.) they tell me that it's pending approval from the verifications dept. and they transfer me there. But at verifications, they don't give any details other than "you'll receive your answer by mail in 1-2 weeks". Anymore info I try to squeeze out, I just hit a brick wall. There's nobody to negotiate with in that dept. In the meantime, I'm losing my mind from all this uncertainty.
1) Any ideas on when this happens? Could it be due to my male voice, while claiming to be a woman. (my wife is really not familiar in this field, so I'm left to do all the negotiating)
2) Any DP on what to expect in such a situation? IME, the last time I (not DW) had such a situation (with UA explorer) it took nearly 30 days before they declined without explanation, and they refused to recon. "as it's 30 days the app is dead and you can only re-apply".
Any help would be greatly appreciated.
TIA
Title: Re: Chase Sapphire Reserve
Post by: meme on September 01, 2016, 06:22:31 PM
He's had CSP in that past, currently under 5/24.
Instant approval for both.
"Currently"- meaning without new accounts or including?
Title: Re: Chase Sapphire Reserve
Post by: bermo on September 01, 2016, 06:24:13 PM
I applied for my wife last week and got declined. She's under 5/24. I called recon. and the kind rep. tried getting her approved after offering to transfer some CL from her CSP. But just before confirming, she said she needs to transfer me to verifications dep. to answer some questions. She transferred me, and I answered whatever they asked, and the app went into pending status.
This was already a few days ago. Every time I try calling recon. (lending dept.) they tell me that it's pending approval from the verifications dept. and they transfer me there. But at verifications, they don't give any details other than "you'll receive your answer by mail in 1-2 weeks". Anymore info I try to squeeze out, I just hit a brick wall. There's nobody to negotiate with in that dept. In the meantime, I'm losing my mind from all this uncertainty.
1) Any ideas on when this happens? Could it be due to my male voice, while claiming to be a woman. (my wife is really not familiar in this field, so I'm left to do all the negotiating)
2) Any DP on what to expect in such a situation? IME, the last time I (not DW) had such a situation (with UA explorer) it took nearly 30 days before they declined without explanation, and they refused to recon. "as it's 30 days the app is dead and you can only re-apply".
Any help would be greatly appreciated.
TIA
I had a similar situation and got approved after 14 days
Title: Re: Chase Sapphire Reserve
Post by: sam28 on September 01, 2016, 06:26:56 PM
if I got turn down because of 5/24 last week and as of Oct 1 its only 4 should I call them back ?

I did got add on to a AU will that count to . if yes and I take it off will I be ok ?
Title: Re: Chase Sapphire Reserve
Post by: mochjas on September 01, 2016, 06:34:31 PM
if I got turn down because of 5/24 last week and as of Oct 1 its only 4 should I call them back ?

I did got add on to a AU will that count to . if yes and I take it off will I be ok ?
you should be ok if you are 4/24. The AU counts so if you get it removed you will be fine.
Title: Re: Chase Sapphire Reserve
Post by: yandmk on September 01, 2016, 06:48:00 PM
I had a similar situation and got approved after 14 days
Thanks.
Anyway to expedite a decision? Anyone has experience with that?
Title: Re: Chase Sapphire Reserve
Post by: doctorofcredit on September 01, 2016, 08:42:00 PM
A Chase banker said that new pre-approval offers were released on the 1st of each month, I had one report confirming this (they weren't pre-approved before, but were today). If anybody that wasn't pre-approved checks in branch again, please let me know the results.
Title: Re: Chase Sapphire Reserve
Post by: Sport on September 01, 2016, 09:08:23 PM
A Chase banker said that new pre-approval offers were released on the 1st of each month, I had one report confirming this (they weren't pre-approved before, but were today). If anybody that wasn't pre-approved checks in branch again, please let me know the results.
Interesting... Wish I wasn't on tapa.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 09:15:39 PM
A Chase banker said that new pre-approval offers were released on the 1st of each month, I had one report confirming this (they weren't pre-approved before, but were today). If anybody that wasn't pre-approved checks in branch again, please let me know the results.
+1, my banker said the same, the system scans for new offers in the beginning of the month,  but he said it can take a few days to show up in the system.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 01, 2016, 09:16:23 PM
Interesting... Wish I wasn't on tapa.
Why
Title: Re: Chase Sapphire Reserve
Post by: Sport on September 01, 2016, 09:18:41 PM
Why
So I can like his post.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 01, 2016, 09:19:13 PM
So I can like his post.
You can always use your browser
Title: Re: Chase Sapphire Reserve
Post by: mmgfarb on September 01, 2016, 09:23:37 PM
So I can like his post.
You can tap on the post and hit "web view" and it'll pull it up in tapatalk.
Title: Re: Chase Sapphire Reserve
Post by: nanach09 on September 01, 2016, 11:25:58 PM
Membershit
Title: Re: Chase Sapphire Reserve
Post by: YMW on September 01, 2016, 11:27:28 PM
I am over 5/24, not available to go in-branch, so I want to give it a shot on-line, should I do a 3BM? I would love to get the Ritz, and another INK.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 01, 2016, 11:27:43 PM
Membershit
OMG
Title: Re: Chase Sapphire Reserve
Post by: YMW on September 01, 2016, 11:28:52 PM
Membershit
;D ;D ;D
Title: Re: Chase Sapphire Reserve
Post by: Yaalili on September 01, 2016, 11:29:00 PM
Membershit

👍🏻
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 01, 2016, 11:42:50 PM
Membershit
You need to get some goodwill UR for that one.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 01, 2016, 11:43:54 PM
You need to get some goodwill UR for that one.
He's not the only one I think it's a typo
http://forums.dansdeals.com/index.php?topic=5396.msg1548920#msg1548920
Title: Re: Chase Sapphire Reserve
Post by: AJK on September 01, 2016, 11:47:02 PM
Membershit
Not as bad as what happened to me tonight.

Called Chase (yes it was Chase) with my wife to reallocate some of her credit lines, and then asked to cancel a different card of hers. Rep said, "I'll have to transfer you to a different department, because it's a co-branded card." All of the sudden, we hear "Thanks for calling, if you're a man looking to have sexy talk with a man, press 1, if you're a man seeking a woman, press 2, if you're a woman seeking a woman, press 3, and if you're a woman seeking a man, press 4." 😱😱😱

Talk about a different department...
Title: Re: Chase Sapphire Reserve
Post by: monkey on September 01, 2016, 11:49:11 PM
Not as bad as what happened to me tonight.

Called Chase with my wife to reallocate some credit lines, and then asked to cancel another one of the cards. She said, "I'll have to transfer you to that department, because it's a co-branded card." All of the sudden, we hear "Thanks for calling, if you're a man looking to have sexy talk with a man, press 1, if you're a man seeking a woman, press 2, if you're a woman seeking a woman, press 3, and if you're a woman seeking a man, press 4." 😱😱😱
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 01, 2016, 11:50:25 PM
Not as bad as what happened to me tonight.

Called Chase with my wife to reallocate some credit lines, and then asked to cancel another one of the cards. She said, "I'll have to transfer you to a different department, because it's a co-branded card." All of the sudden, we hear "Thanks for calling, if you're a man looking to have sexy talk with a man, press 1, if you're a man seeking a woman, press 2, if you're a woman seeking a woman, press 3, and if you're a woman seeking a man, press 4." 😱😱😱

Talk about a different department...
You sure you dialed 1-800 ?
And where's the option if you're a man feeling like a woman ?
Title: Re: Chase Sapphire Reserve
Post by: DoB on September 02, 2016, 12:06:06 AM
He's not the only one I think it's a typo
http://forums.dansdeals.com/index.php?topic=5396.msg1548920#msg1548920

My membershit fee posted yesterday, typo and all.
Title: Re: Chase Sapphire Reserve
Post by: Dan on September 02, 2016, 12:06:30 AM
+1.
Someone's getting fired.
Or is trying to get fired.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 12:18:22 AM
(http://uploads.tapatalk-cdn.com/20160901/64cc03a617c848649aaa8d3afe6cafd6.jpg)
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on September 02, 2016, 12:38:43 AM
Membershit!? This is a thing? Oh man that's too great.
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 02, 2016, 12:40:33 AM
Membershit!? This is a thing?
That's what they were updating when it was down.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 12:41:02 AM
Membershit!? This is a thing? Oh man that's too great.
You've never heard of Amex Membershit Rewards? As part of Chase taking on the plat, they got in on this too.
Title: Re: Chase Sapphire Reserve
Post by: Redbull3 on September 02, 2016, 12:50:27 AM
Reminds me of Dane Cook "relationshit"
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on September 02, 2016, 07:02:38 AM
By me it already says membership
Title: Re: Chase Sapphire Reserve
Post by: coralsnake on September 02, 2016, 07:13:36 AM
Not as bad as what happened to me tonight.

Called Chase (yes it was Chase) with my wife to reallocate some of her credit lines, and then asked to cancel a different card of hers. Rep said, "I'll have to transfer you to a different department, because it's a co-branded card." All of the sudden, we hear "Thanks for calling, if you're a man looking to have sexy talk with a man, press 1, if you're a man seeking a woman, press 2, if you're a woman seeking a woman, press 3, and if you're a woman seeking a man, press 4." 😱😱😱

Talk about a different department...

They must've transfered you to Chase Very Private Banking.
Title: Re: Chase Sapphire Reserve
Post by: Ergel on September 02, 2016, 07:49:49 AM
Not as bad as what happened to me tonight.

Called Chase (yes it was Chase) with my wife
The downsides of having a wife with a name people will recognize as female. I call on my own ask the time...
Quote
to reallocate some of her credit lines, and then asked to cancel a different card of hers. Rep said, "I'll have to transfer you to a different department, because it's a co-branded card." All of the sudden, we hear "Thanks for calling, if you're a man looking to have sexy talk with a man, press 1, if you're a man seeking a woman, press 2, if you're a woman seeking a woman, press 3, and if you're a woman seeking a man, press 4." 😱😱😱

Talk about a different department...

OMG. Did you call back and let them know what happened?
Title: Re: Chase Sapphire Reserve
Post by: jayhal on September 02, 2016, 07:51:32 AM
I didnt think they would post the membership fee already, thought I had a year to pay it. Has anyone delayed the process of paying it untill next year?
Title: Re: Chase Sapphire Reserve
Post by: Ergel on September 02, 2016, 08:03:47 AM
I didnt think they would post the membership fee already, thought I had a year to pay it. Has anyone delayed the process of paying it untill next year?
LOL. Never had a CC before?
No, you need to pay it now. I though I think getting $600 in airline credit and 100K points should suffice to soften the blow
Title: Chase Sapphire Reserve
Post by: jayhal on September 02, 2016, 08:10:18 AM
Have had plenty and was never charged right away. I also just opened a Amex gold about a month ago still no charge
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on September 02, 2016, 08:15:22 AM
Have had plenty and was never charged right away. I also just opened a Amex gold about a month ago still no charge

Amex gold is free first year
Title: Re: Chase Sapphire Reserve
Post by: jayhal on September 02, 2016, 08:15:47 AM
Amex gold is free first year
Well there you have it fellas
Title: Re: Chase Sapphire Reserve
Post by: YOSSI170 on September 02, 2016, 08:30:54 AM
Well there you have it fellas

So you never had a cc that has annual fee first year
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 08:44:23 AM
I didnt think they would post the membership fee already, thought I had a year to pay it. Has anyone delayed the process of paying it untill next year?
Before you sign up for any credit card, the bank is required by law to make you open the pricing agreement. On every card you've opened, you've checked off that you have read and understand the fees associated.
Title: Re: Chase Sapphire Reserve
Post by: jayhal on September 02, 2016, 08:45:38 AM
I have no issue paying it lol. I simply didn't know it had to be paid in the first year. I'm fine with that to again just simply didn't know.
Title: Re: Chase Sapphire Reserve
Post by: shlomej on September 02, 2016, 08:56:58 AM
Applied with 3/24 and 3 AU got pending 7 to 10 days in writing reply.
Called Recon the same day and was told it was a hard NO because of 5/25 rep said they have to count my AU as cards I have.

HUCA and got a much nicer rep who was much more flexible and willing to reopen my application, she went through a full financial review, took more then 20min while putting me on hold to check my account etc
I told her in beginning didn't need any additional credit and was willing to swap from my freedom card 20k, she said no problem. Put in my request, said it needs to be approved by a senior lender I think, but she said I should get 2 letters within 2 weeks one with card and one with credit swap info..

I wasnt aware that when they ask you if you have ever used the AU cards you need to say NO! Even if you say yes but aren't responsible for the payment they will still count. But if you say never used them then they can overlook them

Maybe that is obvious to some but I wasn't aware and thought I would share the info for some that didn't know.

What are the chances it gets approved now?
Title: Re: Chase Sapphire Reserve
Post by: Moshe123 on September 02, 2016, 09:00:45 AM
Anyone have a direct number to verification?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 02, 2016, 09:01:05 AM
Applied with 3/24 and 3 AU got pending 7 to 10 days in writing reply.
Called Recon the same day and was told it was a hard NO because of 5/25 rep said they have to count my AU as cards I have.

HUCA and got a much nicer rep who was much more flexible and willing to reopen my application, she went through a full financial review, took more then 20min while putting me on hold to check my account etc
I told her in beginning didn't need any additional credit and was willing to swap from my freedom card 20k, she said no problem. Put in my request, said it needs to be approved by a senior lender I think, but she said I should get 2 letters within 2 weeks one with card and one with credit swap info..

I wasnt aware that when they ask you if you have ever used the AU cards you need to say NO! Even if you say yes but aren't responsible for the payment they will still count. But if you say never used them then they can overlook them

Maybe that is obvious to some but I wasn't aware and thought I would share the info for some that didn't know.

What are the chances it gets approved now?
-1
It all depends on the rep
Title: Re: Chase Sapphire Reserve
Post by: NYHeel on September 02, 2016, 09:53:07 AM
So I had a credit card drop off 5/24 today (it had a 9/1/2014 open date). I'm at exactly 5/24 without AUs but one of those is a Target card. I also have 2 AUs on my report. I'm hoping I can talk my way into approval. With that in mind, do you think it's helpful to apply in a branch? I have a branch on my block at work so it's not a big deal. Just wondering. I've never really done much of anything in a branch despite having Chase as my primary checking/savings account for over 18 years. I assume I go to talk to one of the desk guys.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 09:55:21 AM
So I had a credit card drop off 5/24 today (it had a 9/1/2014 open date). I'm at exactly 5/24 without AUs but one of those is a Target card. I also have 2 AUs on my report. I'm hoping I can talk my way into approval. With that in mind, do you think it's helpful to apply in a branch? I have a branch on my block at work so it's not a big deal. Just wondering. I've never really done much of anything in a branch despite having Chase as my primary checking/savings account for over 18 years. I assume I go to talk to one of the desk guys.
Should be the same in branch or online, unless you're preaprroved. I'd apply through an affiliate link.
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 02, 2016, 09:58:23 AM
Anyone have a direct number to verification?
(877) 470-9042. This is the standard number for the verification dept.
Don't think it's the "higher up" dept. that all there apps. are getting sent too.
Title: Re: Chase Sapphire Reserve
Post by: shlomej on September 02, 2016, 10:19:36 AM
(877) 470-9042. This is the standard number for the verification dept.
Don't think it's the "higher up" dept. that all there apps. are getting sent too.

This is the number I used last night..sounded like your typical recon line. 888-245-0625
Title: Re: Chase Sapphire Reserve
Post by: Mtl18 on September 02, 2016, 11:36:07 AM
http://www.bloomberg.com/news/articles/2016-09-02/chase-sapphire-reserve-deal-seeking-obsessives-have-a-new-favorite-credit-card
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 11:40:17 AM
This card has got to be one of the most hyped up card in history.
Title: Re: Chase Sapphire Reserve
Post by: ya on September 02, 2016, 11:50:37 AM
http://www.bloomberg.com/news/articles/2016-09-02/chase-sapphire-reserve-deal-seeking-obsessives-have-a-new-favorite-credit-card
As wondering why I got a plastic card
Title: Re: Chase Sapphire Reserve
Post by: Moshe123 on September 02, 2016, 11:51:01 AM
This card has got to be one of the most hyped up card in history.

Only because all others cut back.
Title: Re: Chase Sapphire Reserve
Post by: Moshe123 on September 02, 2016, 11:51:15 AM
(877) 470-9042. This is the standard number for the verification dept.
Don't think it's the "higher up" dept. that all there apps. are getting sent too.

Thanks
Title: Re: Chase Sapphire Reserve
Post by: meme on September 02, 2016, 12:05:24 PM
I have to wait another 2 weeks to become CPC(for whatever reason), should risk the wait or just apply now and hope for the best? (Over 5/24 but only including AU)
Title: Re: Chase Sapphire Reserve
Post by: rileywiles23 on September 02, 2016, 12:16:00 PM
I have to wait another 2 weeks to become CPC(for whatever reason), should risk the wait or just apply now and hope for the best? (Over 5/24 but only including AU)
Get au's removed off credit report and them apply.
Title: Re: Chase Sapphire Reserve
Post by: meme on September 02, 2016, 12:23:02 PM
Get au's removed off credit report and them apply.
Working on that. Called CB's last week, just don't know exactly when will update...(Credit Karma delayed)
Title: Re: Chase Sapphire Reserve
Post by: yitzyul on September 02, 2016, 12:45:34 PM
Is the lounge access different then the priority pass given by amex plat?
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 02, 2016, 12:49:50 PM
Is the lounge access different then the priority pass given by amex plat?
Yeah, you get free guests with CSR
Title: Re: Chase Sapphire Reserve
Post by: davidd75 on September 02, 2016, 01:18:06 PM
Should be the same in branch or online, unless you're preaprroved. I'd apply through an affiliate link.

why affiliate link?

do you think there is anyway applying through an online affiliate links hurts your chances of getting approved because they see it as  more likely coming from "churners"?
Title: Re: Chase Sapphire Reserve
Post by: Freddie on September 02, 2016, 01:46:43 PM
Just got the plastic card.
If only they knew, I don't need their big clunky sheet of metal in my wallet. I'm actually happy about this.
Title: Re: Chase Sapphire Reserve
Post by: PETERP on September 02, 2016, 02:16:49 PM
Just got the plastic card.
If only they knew, I don't need their big clunky sheet of metal in my wallet. I'm actually happy about this.

Congrats. Plus the other Metal cards calls attention to us IME.
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on September 03, 2016, 04:47:36 PM
After SO and I both recon'd for CSR both being well over 5/24 decided to go for it for my brother (he is 3/24). Applied, got pending message,  called in, and they said we need to go through verification (but the verification Dept not in into after labor day...). I realize this isn't an accept yet, but is there any reason they would put a customer through security verification, Just to reject the app? Hoping some classic recon skills will get him approved, he does not have too much credit history yet, but I did open him a slate a while back (maybe about a yr ago) and opened the 55k united card in June...
Title: Re: Chase Sapphire Reserve
Post by: shmebeble on September 03, 2016, 09:02:35 PM
After SO and I both recon'd for CSR both being well over 5/24 decided to go for it for my brother (he is 3/24). Applied, got pending message,  called in, and they said we need to go through verification (but the verification Dept not in into after labor day...). I realize this isn't an accept yet, but is there any reason they would put a customer through security verification, Just to reject the app? Hoping some classic recon skills will get him approved, he does not have too much credit history yet, but I did open him a slate a while back (maybe about a yr ago) and opened the 55k united card in June...
He should be fine. Assuming he can get eh credit line. And if not move around credit from the other cards
Title: Re: Chase Sapphire Reserve
Post by: ae123 on September 03, 2016, 09:25:49 PM
I got approved an Monday and received a temporary plastic card with UPS on Friday.

How do I register with Priority Pass? I can't seem to find any information in my welcome kit.
Title: Re: Chase Sapphire Reserve
Post by: David Smith on September 03, 2016, 09:28:29 PM
I got approved an Monday and received a temporary plastic card with UPS on Friday.

How do I register with Priority Pass? I can't seem to find any information in my welcome kit.
chase.com/reserve (http://chase.com/reserve)
Title: Re: Chase Sapphire Reserve
Post by: ae123 on September 03, 2016, 09:33:25 PM
chase.com/reserve (http://chase.com/reserve)

Thanks.

Do you know if you have to show the PP card or is good enough to show the Sapphire Reserve CC?

Also, are free guests allowed at all lounges or just at TLV?
Title: Re: Chase Sapphire Reserve
Post by: ae123 on September 03, 2016, 09:37:44 PM
I just noticed that there is a separate thread for benefits.
Sorry for posting here.
Title: Re: Chase Sapphire Reserve
Post by: TimT on September 03, 2016, 09:48:29 PM
I just noticed that there is a separate thread for benefits.
Sorry for posting here.
I could see that thread possibly being merged with this one eventually.
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 03, 2016, 09:54:48 PM
Thanks.

Do you know if you have to show the PP card or is good enough to show the Sapphire Reserve CC?

Also, are free guests allowed at all lounges or just at TLV?
You have to show PP card.

Not sure why you think TLV lounge is special to chase or PP, free guests at all PP lounges.
Title: Re: Chase Sapphire Reserve
Post by: m.m. on September 03, 2016, 09:55:32 PM
I could see that thread possibly being merged with this one eventually.
all it would take is a wiki :)
Title: Re: Chase Sapphire Reserve
Post by: sedge on September 04, 2016, 12:24:55 AM
If you need PP access right away before receiving your card, you can use the PP app on your phone. You'll need your PP account number and a first time access code.
Title: Re: Chase Sapphire Reserve
Post by: ranhan429 on September 04, 2016, 01:09:59 AM
He should be fine. Assuming he can get eh credit line. And if not move around credit from the other cards
Thanks. I put 68k income... he already has UA with 8k CL when a much lower income was listed. Hoping that shifting CL should be enough to get him 10k.
Title: Re: Chase Sapphire Reserve
Post by: p672 on September 04, 2016, 02:05:37 AM
I'm way over 5/24
Was pre-approved (in branch) applied in branch on 08/30, "you'll have an answer in writing within two weeks".
Called recon - same answer.
Calling every day to hear the same thing on the cc status on the phone.
Today, after 5 days still no approval, does it mean declined?
Title: Re: Chase Sapphire Reserve
Post by: unclesam on September 04, 2016, 02:23:13 AM
I'm way over 5/24
Was pre-approved (in branch) applied in branch on 08/30, "you'll have an answer in writing within two weeks".
Called recon - same answer.
Calling every day to hear the same thing on the cc status on the phone.
Today, after 5 days still no approval, does it mean declined?
no could still be pending
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on September 04, 2016, 02:55:50 AM
I'm way over 5/24
Was pre-approved (in branch) applied in branch on 08/30, "you'll have an answer in writing within two weeks".
Called recon - same answer.
Calling every day to hear the same thing on the cc status on the phone.
Today, after 5 days still no approval, does it mean declined?

From the Chase Reconsideration Thread (http://forums.dansdeals.com/index.php?topic=8398.0) Wiki.
Quote
If you hear:
This application is being reviewed. You will be notified in writing of our decision, in approximately 2 weeks
It's pending.
If you hear:
This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision
It's been declined.

So you are alright for now.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on September 04, 2016, 05:53:35 AM
My app went to pending, called and the rep said denied due to " too many card applications" said 6 in 24 months. That was few days ago and even received a denial letter.
Can I get approved in a branch for another hard pull?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 04, 2016, 08:21:57 AM
My app went to pending, called and the rep said denied due to " too many card applications" said 6 in 24 months. That was few days ago and even received a denial letter.
Can I get approved in a branch for another hard pull?
Yes
If preapproved
Title: Re: Chase Sapphire Reserve
Post by: Yitzshpitz on September 04, 2016, 12:54:26 PM
If my parents are CPC, can that help me get approved?
Title: Re: Chase Sapphire Reserve
Post by: sysg1 on September 04, 2016, 12:58:23 PM
If my parents are CPC, can that help me get approved?
Make a joint checking account with them then you will be CPC.
Title: Re: Chase Sapphire Reserve
Post by: peace123 on September 04, 2016, 02:07:40 PM
Yes
If preapproved
just go to a branch ask the banker if i have any pre-approved credit card offer? Just give my SS number?
I think I will get denied since i got denied by recon just a week ago. It may go to pending and the recon may deny me.
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 04, 2016, 02:08:28 PM
just go to a branch ask the banker if i have any pre-approved credit card offer? Just give my SS number?
I think I will get denied since i got denied by recon just a week ago. It may go to pending and the recon may deny me.
It can't hurt to try besides there are DPs on people being instantly approved after being denied online/recon.
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on September 04, 2016, 02:13:16 PM
If my parents are CPC, can that help me get approved?
Make a joint checking account with them then you will be CPC.

You can also open a joint safety deposit box with one of them, if that's easier.
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on September 04, 2016, 02:16:28 PM
Hey mods!

Perhaps we can split up this thread into 1)"Applying for SR ie. 5/24, CPC etc. and 2)"Using SR" ie. the benefits, how to maximize them etc.?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 04, 2016, 02:18:08 PM
Hey mods!

Perhaps we can split up this thread into 1)"Applying for SR ie. 5/24, CPC etc. and 2)"Using SR" ie. the benefits, how to maximize them etc.?
There is this thread about the benefits already
http://forums.dansdeals.com/index.php?topic=65827.0
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on September 04, 2016, 02:23:11 PM
Thanks. Added to Wiki.
Title: Re: Chase Sapphire Reserve
Post by: Shkop on September 04, 2016, 04:30:21 PM
http://finance.yahoo.com/news/cult-chase-sapphire-credit-card-132204133.html
Title: Re: Chase Sapphire Reserve
Post by: SrulyS on September 04, 2016, 04:47:33 PM
http://finance.yahoo.com/news/cult-chase-sapphire-credit-card-132204133.html
Repost (although I suppose hard to spot unless you read it).

http://www.bloomberg.com/news/articles/2016-09-02/chase-sapphire-reserve-deal-seeking-obsessives-have-a-new-favorite-credit-card
Title: Re: Chase Sapphire Reserve
Post by: good sam on September 04, 2016, 06:28:22 PM
Taking forever for my cards to come. Anyone else?
Title: Re: Chase Sapphire Reserve
Post by: yitzf on September 04, 2016, 07:03:08 PM
Does the $300 travel credit reduce the 4k spend (i.e. I spent 3700 and 300 on travel).
Title: Re: Chase Sapphire Reserve
Post by: Thingywingy on September 04, 2016, 07:50:19 PM
Taking forever for my cards to come. Anyone else?
The Bloomberg article quoted above says they ran out of metal cards and where sending out plastic ones. Could be the delay is due to the shortage of physical cards. Just speculating.
Title: Re: Chase Sapphire Reserve
Post by: googwallet on September 04, 2016, 08:21:09 PM
Can someone explain why I need to have AU's removed from all 3 bureaus when Chase generally only pulls from EX in NY?
Title: Re: Chase Sapphire Reserve
Post by: LoLo on September 04, 2016, 10:17:17 PM
Can someone explain why I need to have AU's removed from all 3 bureaus when Chase generally only pulls from EX in NY?
You don't.
Title: Re: Chase Sapphire Reserve
Post by: YMW on September 04, 2016, 11:23:13 PM
any data if PGGM or MPX works for the $300 credit?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 04, 2016, 11:37:55 PM
any data if MPX works for the $300 credit?
IIRC it's not coded as travel with visa.
and can someone please add it to the wiki so people will stop asking the same question over and over again
Title: Re: Chase Sapphire Reserve
Post by: YMW on September 04, 2016, 11:42:20 PM
and can someone please add it to the wiki so people will stop asking the same question over and over again
How about PGGM?
Title: Re: Chase Sapphire Reserve
Post by: yochiek93 on September 04, 2016, 11:43:13 PM
How about PGGM?
TARB
Title: Re: Chase Sapphire Reserve
Post by: YMW on September 04, 2016, 11:45:41 PM