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Re: Chase Sapphire Reserve 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.....


August 30, 2016, 10:39:36 AM
Re: Chase Sapphire Reserve
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.

September 01, 2016, 12:26:20 AM
Re: Chase Sapphire Reserve
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.

September 01, 2016, 12:29:12 AM
Re: Chase Sapphire Reserve
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
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September 01, 2016, 12:48:46 AM
Re: Chase Sapphire Reserve
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.

September 01, 2016, 12:51:46 PM
Re: Chase Sapphire Reserve
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"?

September 02, 2016, 01:18:06 PM
Re: Chase Sapphire Reserve UPDATE!
$300 Credit for Travel includes NYC MTA TRAIN

I just got a $5 credit for using my sapphire card on MTA Train and also got the
3x points!

Fantastic credit that can be used for daily commute!!
now that it has NTC MTA it prob has Bridges and Tunnels Tolls also classified for Travel

September 20, 2016, 04:03:46 PM
Re: Chase Sapphire Reserve
why is this surprising?

Never thought of it
I'm wondering if most people have thought about it

In NY people who take the train spend around $200 per month

Tolls for Bridges or tunnels spend double that

September 20, 2016, 05:20:14 PM
Re: Credit Card Retention Bonuses
Is there a bonus to downgrade from Personal Plat to Personal Green? I thought I heard about it previously
For biz plat-green.

January 13, 2017, 01:21:25 PM
Re: Amex Platinum Master Thread
Trying to get a HT for negative HT?

 ::) Or at least credit for being the muse.

February 14, 2017, 11:31:26 AM