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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.

Check which category a store is: https://www.visa.com/supplierlocator-app/app/#/home/supplier-locator
« Last edited by yelped on May 25, 2021, 05:39:31 PM »

Author Topic: Chase Sapphire Reserve  (Read 1243346 times)

Offline db23

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Re: Chase Sapphire Reserve
« Reply #1580 on: September 06, 2016, 01:25:55 PM »
im assuming amex charge cards are included in 5/24?

if i have 5? should i be ok?

Offline db23

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Re: Chase Sapphire Reserve
« Reply #1581 on: September 06, 2016, 01:26:29 PM »
for csr chase is using equfax??

Offline mochjas

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Re: Chase Sapphire Reserve
« Reply #1582 on: September 06, 2016, 01:59:16 PM »
im assuming amex charge cards are included in 5/24?

if i have 5? should i be ok?
no you are not ok you need to be below 5. And yes charge cards count.

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Re: Chase Sapphire Reserve
« Reply #1583 on: September 06, 2016, 02:07:35 PM »
Called back. Asked to move credit instead. Transferred to verifications, and approved.
Did the same, same result.

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Re: Chase Sapphire Reserve
« Reply #1584 on: September 06, 2016, 02:11:53 PM »
Was exactly 5/24 with the oldest opened 9/14 first rep would not approve me said 5/24 includes card opened in september called back second rep approved with shifting some credit

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Re: Chase Sapphire Reserve
« Reply #1585 on: September 06, 2016, 04:02:19 PM »
no you are not ok you need to be below 5. And yes charge cards count.
so the 5/24 rule is really 4?

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Re: Chase Sapphire Reserve
« Reply #1586 on: September 06, 2016, 04:04:06 PM »
Did the same, same result.
over or under 5/24?

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Re: Chase Sapphire Reserve
« Reply #1587 on: September 06, 2016, 04:07:20 PM »
DP: Was just told by a chase banker that there is new language that says you need to be 21 yrs and older to have this card .
Might of been said but just in case it wasn't....
If u work for a living, why kill urself working?

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Re: Chase Sapphire Reserve
« Reply #1588 on: September 06, 2016, 05:20:43 PM »
so the 5/24 rule is really 4?
The rule is if you had 5 cards in 24 months you will (usually) be declined. So to be unaffected you need to be 4/24.

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Re: Chase Sapphire Reserve
« Reply #1589 on: September 06, 2016, 05:53:49 PM »
DP: Was just told by a chase banker that there is new language that says you need to be 21 yrs and older to have this card .
Might of been said but just in case it wasn't....
DP: I was told by a CPC banker that every 18 year old kid is asking him now to become CPC, not sure how that agrees with your DP  :)

Offline Myccrabbi

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Re: Chase Sapphire Reserve
« Reply #1590 on: September 06, 2016, 05:57:22 PM »
DP: I was told by a CPC banker that every 18 year old kid is asking him now to become CPC, not sure how that agrees with your DP  :)
Lol maybe that's why they set the rule
If u work for a living, why kill urself working?

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Re: Chase Sapphire Reserve
« Reply #1591 on: September 06, 2016, 05:57:49 PM »
DP: Was just told by a chase banker that there is new language that says you need to be 21 yrs and older to have this card .
Might of been said but just in case it wasn't....
That's likely illegal. I doubt that's true.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

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Re: Chase Sapphire Reserve
« Reply #1592 on: September 06, 2016, 06:00:12 PM »
DP: I was told by a CPC banker that every 18 year old kid is asking him now to become CPC, not sure how that agrees with your DP  :)
Haha . That's awesome

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Re: Chase Sapphire Reserve
« Reply #1593 on: September 06, 2016, 06:25:41 PM »
doesn't CPC charge a fee for AUM...? something like 1.25% annually (but billed quarterly). My understanding is that the fee is on everything, including checking and savings accounts. Anyone know if this is accurate?   

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Re: Chase Sapphire Reserve
« Reply #1594 on: September 06, 2016, 06:30:38 PM »
38 minutes on the phone with recon for CSR and FU, initially didn't want to approve any due to too many accounts. I explained that not seeking additional CL, but would like to shift spending that has gone to Citi and Amex back to chase with the benefits of these cards. After a few minutes they said can approve one, got CSR approved, then gave other another shot (second one would have definitely been over 5/24) and got that one approved too.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

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Re: Chase Sapphire Reserve
« Reply #1595 on: September 06, 2016, 06:36:22 PM »
over or under 5/24?
under, havent applied for any new cards for a long time.

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Re: Chase Sapphire Reserve
« Reply #1596 on: September 06, 2016, 07:39:23 PM »
DP: I was told by a CPC banker that every 18 year old kid is asking him now to become CPC, not sure how that agrees with your DP  :)

Being serious?

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Re: Chase Sapphire Reserve
« Reply #1597 on: September 06, 2016, 07:48:57 PM »

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Re: Chase Sapphire Reserve
« Reply #1598 on: September 06, 2016, 08:18:12 PM »
Called back. Asked to move credit instead. Transferred to verifications, and approved.
Your welcome

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Re: Chase Sapphire Reserve
« Reply #1599 on: September 06, 2016, 08:46:01 PM »
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.
and no HT?