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Chase Sapphire Reserve BENEFITS master thread

5/24 applies to this card
Minimum $10K of CL is needed, so if you can't get 10K on an instant, there's another great reason to get declined


DansDeals.com » Blog Archive » Chase’s Highest Ultimate Rewards Signup Bonus Ever: Sapphire Reserve 100,000 Point Bonus Is Now Live; Get $2,100 In Free Travel!

DansDeals.com » Blog Archive » Chase Sapphire Reserve Additional User Benefits And Lounge Guesting Policy Are Awesome!

There are multiple instances reported on this very thread of someone who was way over 5/24 and did not have PC and who got approval after recon.


The information below no longer applies for 2016/2017 but should still be useful for 2017/2018

Can you still get a 2016 travel credit if you apply now for a Sapphire Reserve card?

People have been reporting various due dates in January. If you get a due date between the 6th to the 25th then your bill will close between December 9th-28th and you will have time to spend the $300 in 2016 travel credit.

It is definitely still possible to get those due dates, but there’s no guarantee. If you do apply then be sure to call reconsideration to see if you can get approved today.
You may also be able to change your payment due date to generate a December statement if your due date is earlier than January 6 or later than January 25th. Just call to have you due date changed to January 25th to have your statement close on December 28th.

From here. Hopefully this will stop the constant questions.
« Last edited by jj1000 on March 14, 2018, 12:51:10 PM »

Author Topic: Chase Sapphire Reserve  (Read 464243 times)

Offline ranhan429

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Re: Chase Sapphire Reserve
« Reply #1065 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
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Offline Thingywingy

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Re: Chase Sapphire Reserve
« Reply #1066 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...
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline ranhan429

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Re: Chase Sapphire Reserve
« Reply #1067 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
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Offline Thingywingy

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Re: Chase Sapphire Reserve
« Reply #1068 on: August 29, 2016, 02:35:06 AM »
Some have, some haven't. From DDMS "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?
« Last Edit: August 29, 2016, 03:38:45 AM by Thingywingy »
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline emjee

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Re: Chase Sapphire Reserve
« Reply #1069 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.

Offline eternity88

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Re: Chase Sapphire Reserve
« Reply #1070 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?

Offline eternity88

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Re: Chase Sapphire Reserve
« Reply #1071 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

Offline eternity88

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Re: Chase Sapphire Reserve
« Reply #1072 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?

Offline ridingtime

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Re: Chase Sapphire Reserve
« Reply #1073 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

Offline CreamofSoup

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Re: Chase Sapphire Reserve
« Reply #1074 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)

Offline ridingtime

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Re: Chase Sapphire Reserve
« Reply #1075 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

Offline yochiek93

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Re: Chase Sapphire Reserve
« Reply #1076 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

Offline yochiek93

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Re: Chase Sapphire Reserve
« Reply #1077 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

Offline emjee

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Re: Chase Sapphire Reserve
« Reply #1078 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). 

Offline JTZ

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Re: Chase Sapphire Reserve
« Reply #1079 on: August 29, 2016, 09:13:59 AM »
not for 5/24
That would be on all reports
That is not correct.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(