Chase Sapphire Reserve

[mmgfarb]

No it is for everyone. Get your credit now!!!

You're quite the motivational guy when you want to be!

[since1492]

https://www.chase.com/card-benefits/sapphirereserve/travel  read the micro-print #3

[123ablack]

just applied. got a 7-10 days wait on the screen after submitting and when i call the app status number it says "you will be notified in 30 days" wonder what to make out of it.. used to be either 7-10 days or 2 weeks..

So called recon/landing today they said i have too much open credit with them (15k personal SP and 59k in business IB and IP) so they cannot grant more credit based on my reported income (104). The only way to approve this card would be to take 10k from my SP and open the SR. I said fine, landed put me on hold for 20 min or so then came back that he can't move CL out out of the SP since it's a joint card (joint with my wife there)... he said there's nothing he can do, he has to elevate it to a senior lander which is gonna decide whether or not they can approve more credit.. a process of 1-2 weeks  I'm basically missing the opportunity to still spend the $300 I travel fees for 2016 

Anyone with such experience? Does it really take that long? And am I putting myself at risk of AA (scary to hear that a senior lander will review my case.. who knows what they're gonna decide) applied for 2 credit cards in the past 2 years and I have a perfect personal score but if they start looking at all credit cards from all the other institutions I'll end up with more like 120-130k in credit lines (including the 59k in chase business credit lines to which they have access to see).. can a senior lander get nervous and shut my accounts (a/k/a: AA) by deciding that I'm a risk?
P.S. My business is indeed a business (EIN) with 400k+ in revenue with a business chase checking account)

What do I make out of this?

[moe8555]

So called recon/landing today they said i have too much open credit with them (15k personal SP and 59k in business IB and IP) so they cannot grant more credit based on my reported income (104). The only way to approve this card would be to take 10k from my SP and open the SR. I said fine, landed put me on hold for 20 min or so then came back that he can't move CL out out of the SP since it's a joint card (joint with my wife there)... he said there's nothing he can do, he has to elevate it to a senior lander which is gonna decide whether or not they can approve more credit.. a process of 1-2 weeks  I'm basically missing the opportunity to still spend the $300 I travel fees for 2016 

Anyone with such experience? Does it really take that long? And am I putting myself at risk of AA (scary to hear that a senior lander will review my case.. who knows what they're gonna decide) applied for 2 credit cards in the past 2 years and I have a perfect personal score but if they start looking at all credit cards from all the other institutions I'll end up with more like 120-130k in credit lines (including the 59k in chase business credit lines to which they have access to see).. can a senior lander get nervous and shut my accounts (a/k/a: AA) by deciding that I'm a risk?
P.S. My business is indeed a business (EIN) with 400k+ in revenue with a business chase checking account)

What do I make out of this?

Maybe have your wife get the card (if she hasn't yet) in the meantime -- at least you will be able to enjoy one $300 credit for 2016.

[123ablack]

Maybe have your wife get the card (if she hasn't yet) in the meantime -- at least you will be able to enjoy one $300 credit for 2016.

Of course. I applied for her at the same time yesterday and she got approved instantly.. just hoping mine gets approved soon. I'm a little confused with the $300 for 2016 though. If I get approved say on Friday the 25th and I spend the $300 in travel as soon as I receive it (let's assume by next Wednesday the 30th) being that I have a full month still in 2016 is that gonna do any good, or sinxe my first statement most likely won't print before January (or maybe I'm wrong?!) it's not gonna count towards 2016 anymore?

Thanks‎

[since1492]

Of course. I applied for her at the same time yesterday and she got approved instantly.. just hoping mine gets approved soon. I'm a little confused with the $300 for 2016 though. If I get approved say on Friday the 25th and I spend the $300 in travel as soon as I receive it (let's assume by next Wednesday the 30th) being that I have a full month still in 2016 is that gonna do any good, or sinxe my first statement most likely won't print before January (or maybe I'm wrong?!) it's not gonna count towards 2016 anymore?

Thanks‎

once again, everyone has a statement some time in dec. if you dont get your $300 TC before that statement say bye bye. https://www.chase.com/card-benefits/sapphirereserve/travel  read the micro-print #3

[TimT]

Of course. I applied for her at the same time yesterday and she got approved instantly.. just hoping mine gets approved soon. I'm a little confused with the $300 for 2016 though. If I get approved say on Friday the 25th and I spend the $300 in travel as soon as I receive it (let's assume by next Wednesday the 30th) being that I have a full month still in 2016 is that gonna do any good, or sinxe my first statement most likely won't print before January (or maybe I'm wrong?!) it's not gonna count towards 2016 anymore?

Thanks‎

http://www.dansdeals.com/archives/98287

"As long as you spend the $300 in travel before the December 2016 statement prints you will be able to also spend $300 on travel in 2017 before the December 2017 statement."

[matmid]

Will I receive $300 credit if its charged to a travel agency

[Jardins]

Will the ezpass "one time payment" count towards the $300 travel credit?

[rileywiles23]

Will the ezpass "one time payment" count towards the $300 travel credit?

Reported upthread, yes.

[Fan of Dan]

How long is it taking on average to get this card? Got approved yesterday. Online showing the payment due date is Jan 10th. Does that mean the statement will close Dec 10th? Any way to get the card expedited?

[Z56]

How long is it taking on average to get this card? Got approved yesterday. Online showing the payment due date is Jan 10th. Does that mean the statement will close Dec 10th? Any way to get the card expedited?

Call chase. And ask them to expedite the card

[David Smith]

How long is it taking on average to get this card? Got approved yesterday. Online showing the payment due date is Jan 10th. Does that mean the statement will close Dec 10th? Any way to get the card expedited?

Statement closes 12/14. Plenty of time.

[JTZ]

How long is it taking on average to get this card? Got approved yesterday. Online showing the payment due date is Jan 10th. Does that mean the statement will close Dec 10th? Any way to get the card expedited?

Statement closes 12/14. Plenty of time.

Is that date accurate? I have seen on other Chase cards that first so call payment date move.

[jayhal]

If last statement closed on 11/17 can I get the TC again for spending in November or October?

I have another that closes on the 27th. Same question for that one.

[since1492]

will i get the bonus even if i spend the $4000 overseas? I keep hearing about that foreign trans can't be the makeup of the 4k?

[Dan]

will i get the bonus even if i spend the $4000 overseas?

Yes.

[since1492]

will i get the bonus even if i spend the $4000 overseas? I keep hearing about that foreign trans can't be the makeup of the 4k?

Yes.

what about this from chases website ("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.)

[David Smith]

what about this from chases website ("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.)

No need to crosspost.

As long as you are not withdrawing cash or a cash equivalent, you are fine.

[aryeh1]

when's the last day to apply to make the $300 credit?