Chase sapphire reserve number

Is the Chase Sapphire Reserve the perfect credit card?

Chase sapphire reserve number

by Milos Peluffo in Case Study

Chase sapphire reserve number

Last year, credit cards generated an impressive $163 billion in interest and fees, a number that is only expected to grow in 2017. Yet despite the enormous windfall, JP Morgan Chase & Co. managed to shave close to $300 million off of profits in the fourth quarter after shelling out enormous perks for its new Chase Sapphire Reserve card. The card was so popular that Chase reportedly ran out of the metal used to make the card, and had to ship temporary plastic versions instead. Chase sapphire reserve number

But the company was unfazed – in fact, just the opposite. CEO Jamie Dimon made clear that he wished the card had cost his company even more money.

How can that be? Consider Dimon’s perspective:

“One of the fictions here is that the marketing cost … gets booked over 12 months. The benefit of the card gets booked over 7 years. The card was so successful it cost us $200 million, but we expect that to have a good return on it. I wish it was a $400 million loss.”

Dimon is betting that customers will hold onto the card even after they’ve received the sign up perks. Other banks have shied away from such a strategy because of the prevalence of ‘churners,’ or people who repeatedly open credit cards to collect initial perks, and then close the cards soon afterward without paying interest or incurring annual fees. Dimon however is betting that he fundamentally understands customer perceptions and behavior better than the competition, which of course piqued our interest at Alpha.

Leveraging our on-demand user insights platform , we tested a variety of credit card concepts in order to determine a reward structure that encourages sign ups without enticing churning. The Chase Sapphire Reserve definitely strikes a healthy balance and may indeed prove to be the closest thing yet to the perfect credit card.

We started by surveying 1,000+ respondents and segmenting by self-identified churners for premium credit cards. Regarding the last credit card they signed up for, 13% of respondents said that they intended to close their accounts within two years.

Chase sapphire reserve number

We then funneled these respondents into one of three prototypes for an unbranded credit card. The offerings had identical perks except for a unique bonus point reward structure. Variant A was a typical card with a 50,000 point signup bonus; Variant B offered annual bonuses of 20,000 points; while Variant C offered 3,000 points every three months. From a purely mathematical standpoint, and ignoring other factors, the cash layouts neutralize as such:

Chase sapphire reserve number

Despite offering a fraction of the upfront bonus points reward, the variant offering ongoing quarterly rewards resonated strongest with respondents. Twice as many said they would be “very likely” to sign up for such a quarterly rewards card as opposed to a card offering more than 15x in upfront bonus points. That’s despite the fact that it would take more than four years to receive the same sum of rewards.

Chase sapphire reserve number

Not only did a card offering recurring rewards outperform massive upfront rewards, but it may also be the key to mitigating the risk of churners. Remember, 100% of the respondents at this point intend to close their most recent premium credit card within the first two years, but now that number drops by at least a third for each of our offerings.

The quarterly rewards card performed best, with only 58% of respondents intending to churn within two years. That’s not to even mention the fact that banks would lay out far less during that two year period when compared to the upfront bonus card.

Chase sapphire reserve number

Although churners are primarily interested in chasing initial rewards, our data suggests that a significant portion of them may change their behavior for cards that offer ongoing rewards, even if those rewards are smaller and take significant time to accumulate. The Chase Sapphire Reserve’s annual perk of $300 toward travel is a prime example of how a bank can mitigate the risk of heavy churning.

There are of course many other factors that should influence a bank’s offerings. Continued research iterations that take other business concerns and ideas into account would prove fruitful for business and product leaders in the industry.

Chase sapphire reserve number

Milos is an Account Strategist at Alpha, a platform that helps product teams gain customer insights throughout the product lifecycle. Previously, Milos worked as an associate at a boutique M&A firm and at Jazzya Investments as a venture analyst.

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Chase Sapphire Reserve Review: Best Travel Card Ever?

While there are plenty of premier rewards credit cards on the market, the Chase Sapphire Reserve SM might be the best deal yet. Part of the lucrative Chase Ultimate Rewards® program but with higher earning tiers and better redemption values, the Chase Sapphire Reserve SM offers optimal value and a sweet new offer for Chase enthusiasts and travel lovers alike.

Not only does this card offer a huge signup bonus, but you earn three points per dollar spent on travel and dining and one point per dollar on all other purchases. As an added bonus, your points are worth 50% more when redeemed for travel through the Chase Ultimate Rewards® portal. The only downside? Carrying this card means paying a whopping $450 annual fee.

If you’re wondering whether the perks are worth the cost, keep reading to learn more.

Highlights (as of October 2016):

  • Signup bonus: Earn 100,000 bonus points after you spend $4,000 on purchases in the first three months. That’s $1,500 toward travel when you redeem through Chase Ultimate Rewards®.
  • Travel credit:Receive $300 travel credit annually as reimbursement for travel purchases, such as airfare and hotels, charged to your card.
  • Earn three points per dollar spent on travel and dining at restaurants worldwide, and one point per dollar spent on all other purchases. Plus, no foreign transaction fees.
  • Get 50% more value when you redeem your points for airfare, hotels, car rentals, and cruises through the Chase Ultimate Rewards® portal. For example, 100,000 points are worth $1,500 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • Access to 900+ airport lounges worldwide with complimentary Priority Pass™ Select membership.
  • Up to $100 application fee credit for Global Entry or TSA Pre√®.
  • No blackout dates or travel restrictions: As long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards®

  • Get an annual travel credit. Receive up to $300 in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card.
  • Earn points faster. Eearn 3x points on all travel and dining purchases, along with 1x points on everything else you buy.
  • Your points are more lucrative than ever. Redeem points for 50% more when you book travel through the Chase Ultimate Rewards® portal.
  • Transfer your points to Chase transfer partners. Transfer points 1:1 to travel partners such as Southwest Airlines, United MileagePlus Expolorer, Marriott, Hyatt, and Ritz Carlton.
  • Enjoy premier travel benefits. Score benefits such as trip cancellation/interruption insurance, primary auto rental coverage, and a complimentary Priority Pass™ Select membership.

Chase Sapphire Reserve SM Review: Best Travel Card Ever?

From the moment word of a new Chase travel credit card hit the streets, travel bloggers and major news outlets pored over card rumors and speculated this may be the #besttravelcardever. But, is it? At the end of the day, the value of this card depends on your personal spending habits and travel goals.

If you’re a hardcore Chase Ultimate Rewards® fan, have other Chase credit cards in your wallet, and spend a lot on travel and dining, this could easily be the most lucrative card for your wallet. If you don’t spend a lot or don’t travel much, on the other hand, you’ll probably find better options elsewhere — it takes a lot of rewards to make that $450 annual fee worthwhile. Let’s dig into this card’s details to see where it shines and where it flops.

Let’s start with the elephant in the room – this card’s enormous welcome offer. If you’re in it for the signup bonus alone, Chase Sapphire Reserve SM is a clear winner. At the moment, this card is offering an epic 100,000 Chase Ultimate Rewards® points after you spend $4,000 on the card within the first three months. As an added bonus, you’ll get three points for every dollar you spend on travel and dining in addition to the one point per dollar spent elsewhere. That means if you signed up for the card and used it to pay for $4,000 in airfare and hotels for an upcoming vacation, you’d end up with a whopping 112,000 Ultimate Rewards points. To sweeten the pot even further, you get 50% more value for those points when you book travel through the Chase Ultimate Rewards® portal.

Not only that, but like other top travel cards from Chase, you can transfer your points to an array of travel partners at a 1:1 ratio. As of right now, here are your options:

  • British Airways
  • JetBlue
  • Korean Air
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic

If you belong to any of these loyalty programs already, you know how lucrative and useful each of them can be. Now imagine earning 3x points on all travel and dining purchases then transferring your points to these programs. With the ability to rack up points at a much faster pace, you have the potential to earn considerably more free travel.

If you have other Chase cards in your wallet, on the other hand, your earnings opportunities are even better. Let’s say you pair this card with the Chase Freedom®, which has no annual fee. With that combination, you would earn five points per dollar on your first $1,500 spent in the Chase Freedom’s rotating categories every quarter. After transferring those points to your Reserve account, you would get 50% more on travel booked through the Chase Ultimate Rewards® portal. The same can be said for the Chase Freedom Unlimited® as a companion card as well, except that it doles out 1.5x points for every dollar you spend with no limits.

If you’re a business owner and have the Ink Plus® Business Credit Card already, adding the Chase Sapphire Reserve SM may also be a smart move. Not only would you earn 3x points on travel and dining with the Reserve card, but you’d score 5x points on all office supply stores, cellphone, and utility bills with the Ink Plus® Business Credit Card (offer is currently unavailable). After you racked up a ton of points, you could pool them all in your Chase Sapphire Reserve SM account for optimal redemption options.

While redeeming your points for 50% more through the Chase Ultimate Rewards® portal may sound great, it’s hard to know what that means without a concrete example.

To illustrate how this works, I shopped for a hotel in San Diego for Thanksgiving weekend with three different Chase cards – the Chase Freedom®, the Chase Sapphire Preferred® Card (whose points are worth 25% more through the Chase portal), and Chase Sapphire Reserve SM , which lets you redeem points for 50% more value.

Hotel Values with the Chase Sapphire Preferred® Card:

As you can see, your points are worth considerably more when you have the Chase Sapphire Reserve SM in your wallet. For the same dates and same hotel, I’d pay nearly 10,000 fewer points to stay at one of the top-rated San Diego hotels on TripAdvisor Thanksgiving weekend. This fact makes it worthwhile to keep your other Chase cards for their premier earning categories, then pool all of your points in your Chase Sapphire Reserve SM account. When you do, you’ll get a lot more bang for your buck.

On top of all of this, the Chase Sapphire Reserve SM offers a $300 travel credit based on the calendar year. This credit is automatic, meaning you don’t have to apply for it. Whenever you make a purchase coded as travel, the credit will be applied to your account automatically. And since it’s based on the calendar year, you can potentially use this credit twice with just one annual fee.

Speaking of the annual fee, the $450 fee this card requires is steep. While it’s certainly worth it even if you just redeem your signup bonus points for cash back or a statement credit (100,000 points = $1,000), paying an annual fee this large is untenable for many people If the Chase Sapphire Reserve SM has any real downside, the annual fee is most certainly it.

Another notable drawback is the fact that Chase has made qualifying for their credit cards considerably harder. Where you could once apply for a dozen or more cards and still get approved for new ones, Chase has tightened their standards and limited people to no more than five cards in the last 24 months (including authorized user cards). If you have quite a few credit cards already, you may not qualify for the Chase Sapphire Reserve SM – even if you have an excellent credit score and high income.

  • Chase Ultimate Rewards® enthusiasts who know how to maximize points
  • Anyone who spends a lot on travel and dining
  • People who travel frequently
  • Anyone who doesn’t want to pay a big annual fee
  • People who spend little on travel or dining
  • Someone who doesn’t spend much on credit each year

When it comes to other premier travel credit cards, the closest comparable card from another issuer is the The Platinum Card® from American Express. With this card, you’ll earn comparable travel benefits and points that belong in the lucrative Membership Rewards program. The following chart highlights some of the best perks of each card:

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

[Update: Some offers mentioned below have expired. You can view the current offers from our partners once they become available here — Chase Sapphire Preferred. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.]

For many years, the Chase Sapphire Preferred was the card to carry if you wanted a premium travel credit card in your wallet. You could earn a generous signup bonus and extra points on travel and restaurant purchases — all for a very reasonable annual fee (currently $95, waived the first year). Then Chase decided it was time to make a big move and released the Chase Sapphire Reserve, undoubtedly the most talked about credit card of 2016. (The Sapphire Reserve was so popular, Chase temporarily ran out the metal versions of the card shortly after its August debut.).

While the elder Chase Sapphire Preferred (see full review here) and new Chase Sapphire Reserve credit cards offer a lot of the same benefits, including certain trip cancellation/interruption and baggage delay insurance, there are some major differences between the two. In this article, we’ll walk you through each card to help you decide which might be the better choice for your wallet.

A few quick asides before we begin: First, we’re going over the cards’ major terms and conditions. It’s still important to read the fine print of their agreements before applying. Also, before you fill out any credit card application, it’s a good idea to know where your credit stands. Remember, you’ll need a good credit score to qualify for the premium cards out there. (You can view two of your credit scores, updated every 14 days, for free on

Now let’s break down the Chase Sapphire Preferred vs. Chase Sapphire Reserve.

One of the biggest differences between the two cards is the rewards they provide their cardholders. With the Chase Sapphire Preferred, you will earn 50,000 Chase Ultimate Rewards points after spending $4,000 within the first three months. That bonus is equivalent to $625 when you redeem your points through Chase’s travel portal. Cardholders earn two points per dollar spent on travel and at restaurants. Any other purchase will earn one point per dollar spent.

With the Chase Sapphire Reserve, you can receive 100,000 Ultimate Reward points after you spend $4,000 within three months. That signup bonus is worth a whopping $1,500 when redeemed through Chase’s travel portal — and it’s a huge reason why the card got so much attention last year. The base amount of points you can earn on purchases with the Sapphire Reserve is also higher. You will earn three points per dollar on both travel and at restaurants; all other purchases will earn one point for every dollar you spend.

Before you start thinking the choice between the two cards sounds like a no-brainer, we must discuss …

What really sets these two cards apart in terms of picking one for your wallet is their annual fees. If you carry the Sapphire Preferred, the annual fee is $95 — and that charge gets waived the first year. Conversely, because it’s thought of as an elite credit card, the Sapphire Reserve has an annual fee of $450 — and that charge is not waived the first year. (You can get an idea of how the Chase Sapphire Reserve stacks up to other premium credit cards on the market here and, if you’re looking for a more affordable rewards credit card, remember, there are plenty of no-annual-fee credit cards out there.)

Whether you have the Chase Sapphire Preferred or the Chase Sapphire Reserve, you will be able to transfer the points you earn to one of the bank’s many airline and hotel transfer partners. These partners include Hyatt, Southwest Airlines, United Airlines, and more. As previously mentioned, you can also use your points directly for travel through the Ultimate Rewards platform.

Anyone that chooses the Sapphire Reserve over the Sapphire Preferred does so mostly because there is more value per point, both when you are earning points and spending them. They are able to overlook the high annual fee because the math works out to their advantage, especially if they can use the following ancillary benefits the card provides:

  • A $300 annual travel credit: One of the big added benefits of the Sapphire Reserve card is that it comes with a $300 annual travel credit. Each time you make a valid purchase on travel, you will receive a statement credit, up to $300 per calendar year. Chase has a pretty wide definition of travel, so a lot of expenses, including airfare and hotels, would be eligible.
  • A $100 statement credit for Global Entry or TSA Pre-Check: With the Sapphire Reserve, you will also receive a statement credit of $100 to cover the cost of Global Entry or TSA Pre-Check, which can help you bypass long lines at the airport.
  • Access to airport lounges: If you are a frequent traveler, you will enjoy the complimentary Priority Pass that comes with the Sapphire Reserve card. With this membership, you will gain entry to over 900 airport lounges worldwide.
  • Special benefits when you patronize the Luxury Hotel & Resort Collection: Another benefit for frequent travelers, when you choose to stay at properties within the Luxury Hotel & Resort Collection, you’ll be eligible for a few special benefits as a Sapphire Reserve cardholder. You can receive early check-in and late check-out, complimentary room upgrades, daily breakfast for two, and a unique gift at each property, when available.

It’s all about that annual fee — especially since both cards carry the same variable 16.24% to 23.24% annual percentage rate (APR). (Your APR will be determined largely by your credit standing.)

The biggest reason someone might choose the Sapphire Preferred over the Sapphire Reserve is because they can’t get over spending $450 just to carry a credit card. Plus, if they don’t plan on using a lot of the benefits on the Sapphire Reserve and/or don’t do much traveling, it makes more sense to pay the Preferred’s more practical $95 annual fee, which, again, gets waived the first year.

If you would like to add a significant other or your children as authorized users to your account, the Sapphire Preferred might be the better choice as well. For starters, you can earn a 5,000-point bonus when you add an authorized user and make a purchase within the first three months. Plus, with the Sapphire Reserve, there is a $75 annual fee tacked on for each authorized user. That means they would need to spend $5,000 on the card each year just to break even on the cost.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Sean Bryant is a Denver-based freelance writer specializing in travel, credit cards and personal finance. With nearly 10 years of writing experience, his work has appeared in many of the industries' top publications. He holds a Bachelor of Arts degree in economics.

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Over 5/24? Apply For Chase Sapphire Reserve In Branch

Now that the Chase Sapphire Reserve is officially available, there are a lot of disappointed people because the Chase 5/24 rule applies to this card. One of the ways you can bypass this ‘rule’ is by receiving a pre-approval in branch for the card (you can literally just ask if you have any pre-approval offers). A lot of readers let us know they were successfully approved for the card when they did this:

I don’t think I’ve seen any denial data points (at least on this site) for people that were pre-approved.

It looks like that pre-approval is really necessary, if you ask and they say you have no offers (or the Chase Sapphire Reserve is not pre-approved) then chances are you will be denied due to 5/24. Here are some data points:

I Already Applied Online and I Was Denied, What Can I do?

Thankfully for you, I bring you good news. Three readers also applied online and were denied, they then went in branch and asked if they were pre-approved for any cards (they were). All three of them were approved. You can read about their data points here, here and here.

I believe this depends on the reason you’re not approved, but you should be able to ask the banker that processed your application if there is any reason why you were denied/if there is anything you can do to get approved. Sometimes they might need to call in and then verify some information, or ask you to reallocate credit limits.

Unfortunately you’re out of luck, the online pre-approval tool isn’t the same. I guess your best option would to be go into a branch next time you travel near one.

Personally I’d do this soon (like now) rather than later because you never know when Chase will change their policies. I know we’ve posted about this card an unhealthy amount recently, but I really do think it is kind of special for the first year and while it keeps this big sign up bonus. Share your experience in the comments below.

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139 Responses to Over 5/24? Apply For Chase Sapphire Reserve In Branch

Is banking relationship with Chase needed to check on the pre-approval? What kind of information do they need to do the check?

If we have no banking relationship, do we just walk into a random branch and say “Can you check what credit cards I’m pre-approved for?”

i don’t think so.

when you come in, all they ask is your ID and if you have an existing Chase credit card.

if you’re pre-approved, they will ask your income and mother’s maiden name before submitting.

To clarify, I meant that you don’t need a checking/savings account. But as Lantean says, you do need some sort of relationship, like a credit card.

I had the same thing happen to me (preapproval in branch after being denied online for 5/24). I do not have a checking or savings account with Chase, although I used to have a checking account. I can see the reason for this loophole existing: during the entirety of the time I was there, the banker tried sell me on other products.

How much over 5/24 were you guys? I am at 16/24

i just counted… i was at 26/24… approved for $23k credit line, no problem.

THANK YOU! I was approved for 25k.

How long ago did you open your most recent Chase card?

I opened Ink cash in March.

I am CPC and was pre-approved in branch. Applied through CPC banker and got pending. CPC suggested it was due to too much credit with Chase and 5/24. He called and still couldn’t force through. He is now submitting a manual underwriting request for me.

My question: Should I call recon to see if I can shift credit or just hold tight?

Good advice. My application was denied but my Chase Private Banker revived it from the dead. It’s true that CPC can bypass 5/24, at least in some cases.

Does doing the online check for pre approvals matter in this case? I checked my pre approvals online and didn’t have anything listed.

Doesn’t matter… Lot of people had nothing online, but they had preapproval not only for CSR but also for some other cards as well.. Looks like online and bank process are completely different….

I went to check if I was preapproved and the banker said I wasn’t, but I was “invited” to apply. I asked what the difference was and he said there wasn’t a difference. Since I haven’t read anything at all about being “invited,” I’m assuming he was just trying to get me to apply for the card for the potential commission.

If I upgrade a card for example the CSP to the Reserve card, does this new card count for 5/24?

It shouldn’t. I think you’ll be okay.

I already have a lot of credit at chase. Should I reduce my CL before going in? or do they seem to be just giving it away if you are preapproved?

if they want to approve you but they need you to move CL around, the system will prompt the banker to call a special number… then they can offer you to move CL.

I personally did that yesterday. I think that increases my chances of automatic approval, as I was somewhere close to the limits that Chase would have been happy to extend me more credit based on my income.

I also just lowered my credit lines.

FYI Doc, I’ve seen 2 data points where in-branch pre-approvals were denied. One DP suggested that having too many Chase credit cards could have played a role, IIRC.

***To clarify, I meant too many new credit cards played role in denial for pre-approved applicant.

CPC, with about 8/24, 3 with Chase. I applied in branch with a CPC banker yesterday. The banker didn’t mention any pre-approvals (and I didn’t know to ask) and just helped me put in the application. Got a 7-10 day pending.. Seems like the banker basically did nothing extra in the application that I couldn’t have done myself online..

Should I call recon?

Go through your CPC banker. That’s the best way.

I’ll second that. Same thing happened to me. I called Recon and got rejected. You can have your CPC banker file an appeal.

After being denied online yesterday, I just stopped into a Chase branch in Manhattan this morning. I was not pre-approved in their system, and after going thru the application process with the rep, I got the dreaded “you’ll find out by mail in 7-10 days” answer. So this is hardly a guaranteed workaround folks.

My stats: 7/24, 820 FICO, 400k annual household income, 3 other Chase cards but no banking accounts.

Just tried….banker said I didn’t have a pre-approval for it.

I am CPC and was pre-approved in branch. CPC banker submitted my application in-branch, but immediately went to pending. He called while I was there and told me I had too much credit with Chase and alluded to being over 5/24 (I’m

20/24). Followed up later in the day and said he would have to do a “manual underwriting.”

Questions: Does anyone have experience with manual underwriting? Should I call Recon myself to see if I can move credit around, or just hold tight?

I think you should continue to go thru your banker, not the regular recon line.

I have fraud alert on my credit report. Whether pre-approved or not the application always goes pending. Then some human looks at it and tries to earn his salary by denying the application even if the automated system would have approved me or they have already approved multiple people over 5/24 etc.

Loosen up chase bankers.

I went in today and ask for pre-approvals. The banker said they will show up 6 months after the last credit card from Chase got opened and would be the same I see online – I think he is clueless but wondering if there is some truth to it.

he’s an idiot. go back and ask for another banker

The 6 months would make sense. I think we should track timing of last Chase card for those who are pre-approved. 9/30 would be 6 months for me. Hopefully 100k offer lasts.

I’m not sure about the “same as online” thing.

I went in and he told me he didn’t see any pre-approval.

Is it possible to check if you are preapproved by calling a branch? I live 1.5 hrs away from the nearest branch.

Would love to know if anyone has experience with this as well.

Also wondering this. It’s only 25 mins for me, but if I can spare 50 mins round trip, that’d be great. I’m at 6/24.

No, they need to see ID.

Need to know the same. Hopefully someone can provide a useful data point.

Yes. Bank Representative looked me up over the phone.

She requested that I come in branch to actually apply – sign forms.

Went to the bank. She didn’t check for preapproval but she did submit my app. It asked for more information and she was optimistic but after several minutes on hold (I think he was trying to find a reason to approve me), but I was told no due to too many applications in the last 2 years. It was worth a try. I am at 7/24. None in the last 2 months but 4 this year.

this sounds like they just submitted a regular application for you that you could have done yourself.

if they asked for anything else besides your income and mother’s maiden name, they messed up.

Is there a way to call the branch to check if I am pre-approved?

Got no branch here and don’t want to travel a long time ending up not pre-approved…

Approved at 20/24 with 32K limit. Processed in branch. Thank you DOC.

I have until next week until returning from overseas. Is it possible to call into a branch and ask and go through a preapproved app via phonecall or does it have to be a physical visit. Already plan on a visit next Monday but don’t want to risk a policy change in the meantime.

I stopped by my branch today and I was told I’m currently not pre approved for any (I currently have

7 chase cards with little recent spend). Any suggestions for “getting pre approved?” Data points for a new bank account opening doors to credit cards?

The rep said that I would probably get approved anyway without the pre approval. I smiled and politely declined… (I’m 36/24 + authorized user accounts)

I opted out of chase credit card offers years ago, any idea if this means I will have no pre-approval offers in branch?

Also wondering this. I need to get around to opting back in with the credit bureaus.

I got two pre-approval in branch yesterday, CFU and CSR. I applied CSR first, pending and then approved(12/24). Then I applied CFU, it showed me the 7-10 msg. So I recall that when you applied one of your pre-approval, the another will be gone. Is that true?

I never heard of that. Doesn’t sound right to me, but what do I know

How long did you wait to find out you had been approved? I went in and was pre-approved for CSR, applied and it went to pending. Trying to figure out if I should combine another pull.

I stopped in bank I am not pre approved. Does it make a difference now between applying in bank or online?

Probably not. I’d apply in branch anyway in case it makes a difference.

Went in last evening and asked if i am pre-approved. The banker showed me the list (i was approved for all chase cards which i didn’t have, including sapphire reserve). He submitted my application and was approved with 31K limit!

Can you still get a preapproval in branch if your credit is frozen?

Wondering the same thing…and if it’s any different if you have a fraud alert?

August 23, 2016 at 11:50 am

Approved at 20/24 with 32K limit. Processed in branch. Thank you DOC.


Data point. 26/24 Approved. 32k limit in branch

805 credit score with low six figure income. Denied previously online with precious I past 3 chase cards(

Walked into an East Harlem branch. (NYC)

No CPC relationship but previously had multiple mortgages, bank accounts and credit cards with chase..

I also recently product changed my sapphire preferred to sapphire.(maybe that helped?)

Specifically asked if I was pre qualified(otherwise I wasn’t going to waste a hard pull)

banker showed me a list of prequalified cards on my account.(try are in green) (Some that I was denied online for recently like the United card for too many inquiries)

Good luck, hope this helps someone in a similar situation.

Thanks DoC, and the DoC community for the data points.

Approved! Chase Sapphire Reserve in Branch (preapproved) today.

And I have been twice denied for CSP in branch (Jan and Jun) by 5/24 “too many credit cards opened in the last 2 years” even using all blogged strategies (Special Consideration Form, …) except private client.

Why do you think you we’re preapproved? How many Chase cards do you have? Do you have a Chase bank account? Is CSP your primary card?

No idea why I was preapproved.

– I was never able to get CSP, have Freedom and AARP

– Recently opened Chase Personal and Business Accounts for promotions

Went to the bank and asked for pre-approval yesterday. The banker said i was approved for all chase cards which i didn’t have. Asked him to pull the trigger on Sapphire Reserve. Got approved with a 31K limit!

Was at 12/24 before the application yesterday

How long ago did you open your most recent Chase card?

I called to see if I was “pre-approved” for the CSR. The banker said I was. I went in to the branch and answered some questions about income, SSN, address, etc. I walked out with a CSR approval with a $25,000 credit limit. I was 12/24 with four other Chase cards already obtained through the years. I do have deposit accounts, but only enough to keep the fees waived. Go to a branch now while you can!

@Jeff, I also called and the banker can only tell I’m pre-approved for a credit card but he can’t tell which credit card. Did the banker specific said you are pre-approved for CSR? Has anyone pre-approved for multiple cards when the banker looks up at your account?

probably an idiot banker… my banker showed me on her screen exactly which cards i was pre-approved for, they were in a drop-down, i could have picked any.

they all showed the name of the card and the bonus after mind spend (in the drop-down)

I asked specifically about the CSR. The banker said he hadn’t seen anyone pre-approved for the card yet because it was new. Much to his surprise, he said I was pre-approved for the CSR.

Just went to the branch and saw I was pre-approved for CSR but got the dreadful 7-10 days pending message. The banker tried to call the lending department and after a long wait, no outcome is given. Just have to wait. Ugh, probably going to receive too many credits open mail. 14/24 here.

How long ago did you open your most recent Chase card?

I’m at exactly 5/24 because 2 of those I was an AU. I got pending 7-10 days message. I’m no longer an AU on the 2 cards since last week. Do I have a chance by calling recon?

Yes, explain to recon that two of the five are AU cards and you have a good shot.

I applied online and the application came up as pending as I am only at 5/24.i called the reconsideration line and they it was not approved. The csr said it was affirmed that it was declined and that there was nothing she could do. Any ideas to try to get it approved?

Prior to CSR application I was 5/24. Went to local Chase branch and was pre-approved for CSR. Submitted application and was denied. Income >$200K, Fico 780+, 4 personal and 2 business cards with Chase. Total Chase line of credit of $65K across all six Chase cards. Also have $800K mortgage with Chase. Called recon and was told 5/24 is the reason. Credit line was not an issue, relationship with Chase not an issue.

I took your advice, went into a branch today and was pre-approved. Already had 6 Chase cards plus an Ink. Definitely way over 5/24, more like 20/24. Thought I would have to move credit around at least, but nope, $30k credit line. No questions just a congratulations.

How long ago did you open your most recent Chase card?

It was in January 2016.

I had the same experience as Gustraveler. Far over 5/24, in fact, was denied the Southwest Airlines card for that reason two months ago. I walked over to the branch, and CSR showed me her screen indicating I was pre-approved for Reserve. 2 minutes later I walked out with a $33 K limit

Same as above. Went into a branch, banker said I was preapproved after looking up via license and chase INK.

After mother’s maiden and income, instantly approved for 35k CL. Way over 5/24. So awesome. Massive credit line is a huge suprise, I’ve typically had to reallocate credit lines in the past for each new approval.

Ugh… closest Chase Bank is 2 hours and 40 minutes away.

I hear you, same here. I’m going to call and check if I’m pre-approved and if yes then I’m doing the 2,5 hour drive – well worth it

There is no Chase Branch near my place. But I did open Checking and Savings accounts three months back with $10K balance now. I also have a CFU 10K limit (originally opened as CF 18 months back and converted this year). Btw, I am 12/24 with 7 opened this year. So, I sent an email to the banker where I opened the Checking account and asked if I was pre-approved for CSR or any of Chase cards. Answer – NO.

FICO Exp was 750

couple of months back now its 733.

Thoughts how I can get the CSR ?

Exact reply from banker – I could not locate an offer but you are free to apply online or in the branch. Thank you for your patience.

I went to a Chase branch to see if i am preapproved for CSR. The banker was able to see that i am pre-approved for Freedom & unlimited cards but doesnt see the CSR card. Should i still go ahead with applying for CSR ? Any chances of approval for CSR? I am at 5/24.

Ouch, I’m guessing you won’t have luck with CSR. Maybe go for Unlimited if that interests you, and then throw in CSR for fun.

Got 7-10 days online message this morning. I also got 30 days email later. New account hasn’t showed up. What are my chances?

Not good. This exact thing happens to my wife and she never gets approved by chase.

Went to branch this afternoon and rep said I was pre-approved for the Sapphire card (along with other cards). I only have one other card with Chase and 22/24. Was approved. Thanks Chuck!

Hopped into a branch during lunch to test my luck, turns out i was pre-approved for 3 cards. Applied for the Reserve and was approved immediately with 34k. 10+/24

Thanks for sharing this post.

Originally applied online 8/22. Received 7-10 business days message. Called recon and was denied citing too many new accounts in the last 24 months. 10 cards in 24 mo.

Walked into Chase branch today 8/23. Asked for any available pre-approved offers. Banker listed off a number of cards including CSR. Provided a few data pieces and approved for 34K.

Existing Chase cards: CSP, Freedom, and FU.

I am way over 5/24 and was approved in branch for $29k credit limit. I was pre-approved and the only information I gave was income and mother’s maiden name.

I applied for in branch and my banker showed me I’ve Reserve pre-approval; I’m 9/24. Applied and was wait listed. Banker called the recon line and got the same message that it needs to be processed further. This seems to be different from what everyone has reported or am I missing something. Also would it be a good idea to call recon myself or just wait. Since I’m already in now, I’m even going to apply for another chase card.

Went in branch. Preapproved for 3 including csr. Approved instantly for csr. (12/24) including 4 chase cc.

I applied on behalf of my wife today, she does not have an SSN but an ITIN. She is an AU on my Chase UA card and another BofA card. Both cards have been active

3 years and have paid them in full during this period. She does not have any credit cards in her name aside from this, she keeps getting mail for pre-approvals for bunch of other cards. I don’t recall seeing anything from Chase, when I checked online if she pre-qualified for anything on Chase and nothing came up. I applied for CSR for her and got the 7-10 day message, I called the application status line and it said she would get a response in 7-10 days (bad sign from what I understand).

I applied for CPR myself last night, got the same 7-10 day message, but when I called the application status line the message was two weeks. I contacted the recon line this morning, and they said they just needed to confirm the address with their internal tool – was approved for $35K. I am 0/24 and so is my wife.

I haven’t called the recon line yet for my wife, should we call or go into the branch? I called the branch earlier today before I did all this and asked if she can apply for cc with ITIN and the person I talked to (after putting me on hold for a while ) said that she couldn’t apply for a Chase CC with an ITIN. Based on the research I did online it looks like many people have obtained Chase cards with ITIN.

Should we go into the branch ?

I don’t think your wife can be pre-approved in branch because she doesn’t have any Chase credit cards. I’d go in branch for yourself though and call reconsideration for your wife.

I called the recon line and they said that they needed us to fax my wife’s ITIN and proof of address and then they can continue processing the application. He didnt say that she would get approved after this, but I am hoping this is a good indication. Any insight here? Also any idea how long it takes them to process the fax we just sent?

I had already gotten my approval after calling the recon line yesterday.

Chase branch approval worked. I am at 5/24. So didn’t apply online and went to branch nearby and approved .

Thanks DoC! I’m at 7/24, went to the branch, checked the pre-approvals and got approved for CSR.

Another data point: I just applied in branch today for the CSR and was approved with a 30k limit!

-I’m way over 5/24, at 12/24

-was not pre-approved for this card (checked online and asked the banker to check)

-currently have 2 Chase personal CC open (IHG and Hyatt) and 1 Chase business CC (Ink Plus)

-Chase is my primary bank – savings and checking account

-not a private banking client

-not sure if it matters, but this was a large branch in NYC.

After submitting the app, the banker received a notice to call for more information. The rep on the other end of the phone needed a few minutes to manually review the application. She came back and said it was approved!

I was at 5/24 until yesterday, when my oldest app should have dropped off (opened 8/23/14). If Chase pulls EQ or TU, I will be OK (the reports show the full date of the account opening), but if they pull EX, it only shows the month and year. My question – if I apply today and am denied for being over 5/24, is there any hard set rule on how quickly I can reapply? I have a very large purchase coming due the first week of September, so it’s in my best interest to get the card now if I can. Closest branch is 3.5 hours away unfortunately so that’s not an option unless all else fails.

Follow up question – if they pull EX and deny, will recon look at one of the other reports if I ask them to?

I noticed most approvals in-branch were on August 22nd, do you think that played a factor? Should I try today and do you think I will get approved with pre-approval?

That’s just the DP I bothered to put in the post, lots more after 22nd. Still working fine

No pre-approval for me. at 12/24 and my last card was 4 months ago, Chase southwest.

My wife applied for the Sapphire Reserve in a branch on Sunday and her application is pending.

She’d like to apply for the CIti Prestige before Citi’s rules change on 8/28. Would her application for the Prestige have any impact on her pending Sapphire reserve application (i.e. make it less likely she’s approved for Sapphire)?

Should she hold off on applying for the Prestige as long as possible so as to not interfere/impact the Sapphire Reserve application?

Is she over 5/24? Don’t think it would matter hugely if she is.

Assume it’s unlikely she’d get approved for Sapphire Reserve at this point.

Want to get Prestige bonus before it’s too late….but wouldn’t want to jeopardize her chance at getting approval for Sapphire (if there’s any chance of that happening).

Apply for the CSR in branch right away (doesn’t matter that she is already applied and is pending), then you can get the Prestige before the 28th as well.

Why do you keep writing, “over 5/24?” Chase denies at 5/24. Do you disagree?

I just mean at or over 5/24, it’s just shorter to write it this way.

I’ve seen this repeated in many places. I just feel it’s inaccurate on a topic where accuracy matters. Writing “over 4/24” is just as short.

I’ll keep that in mind and use that from now on.

I got denied in branch. I spoke with a banker (do not bank with Chase) and they indicated there were no offers for me. At 9/24 with a mid 700 FICO. They called to ask for reconsideration while I was in branch but they would not give a reason for the denial. Waiting for the letter in the mail and then will call and try to plead my case.

Anyone get denied and then approved later?

I applied in branch on Sunday and got my rejection later in the mail today – I was over 5/24.

Is my best bet for reconsideration to call the banker who helped me on Sunday?

Definitely go into your local Chase branch to check for pre-approval on the CSR… I am 12/24, so knew an online app would be instant denial. Just spent less than 5 minutes in Chase and, due to having pre-approval, will be receiving my new CSR soon!! Thanks for all of the data points – they were the reason I took the time to go in!

Pretty annoyed right now. Pre-approved in branch at 7/24. Went ahead and applied and was given number to call only to be told too many cards in last 24 months. Do I have anything I can use given they told me in branch I was in fact pre-approved?

No. Preapproval mainly helps for instant approvals (or possibly if banker calls in could help some). Once you have to deal with recon, it’s less helpful since they are used to denying for 5/24. (Probably still works sometimes, gotta look thru the data points.)

Not really, pre-approval isn’t guaranteed approval unfortunately. Did you ask the banker to make the reconsideration call or did you do it yourself?

I went into Chase today and got the Sapphire Reserve card with a $15,000 credit line in spite of being at 5/24. It took at most 5 minutes. Thank you for all of the data points. I am excited about my new card!

It seems in the long term like airlines and other 3rd parties will eventually be unhappy with 5/24. Since fewer miles are handed out in bonuses, fewer will be purchased from the airline. Plus, Chase doesn’t just deny a bonus for 5/24, they deny you from getting the card at all, meaning less spending with Chase more spent elsewhere.

I realize there are relatively few people who massively churn credit cards, but 5 in 24 months is really not that difficult to reach, especially when people get solicited with offers all the time everywhere.

In shock that I was approved in-branch today. I was denied online 8/24 after the 7-10 business day response. They sent me a letter 3 days later stating the sole reason for denial being the 5/24 rule. Called the recon and got a guy who sounded like he was sick of telling people over 5/24 that there is no reconsideration. I’m at 7/24 but 1 of those is a secure card and 1 was opened 3 weeks ago and hasn’t show up on my report. Online I had no preapprovals but in-branch I had like 5 preapprovals, including CSR. I have CSP and Freedom but no checking with Chase. The banker said having a checking account with them makes no difference in preapprovals. I was approved within 10 minutes of applying but for the bare minimum, 10k. I don’t care though, just so excited they even approved me! Seriously thought I was going to have to go through the whole recon thing and have the banker call them. So all in all, denied 8/24 online, no recon love, approved 8/29 in person at 7/24. Yey!

Another DP for approval in branch at 13/24 with pre-approval. I went into a branch today and asked if I was pre-approved for anything, and after the banker teased me by saying I was for FU and Slate, I asked him if CSR came up and sure enough it did! Put the app through, he had to call in, and I was approved for 18k after a few minutes of waiting on the phone.

Thanks DoC for putting this tip up!

Thanks for your CSR counsel DOC. Applied in branch early last week w/7/24 (got denial letter for over 5/24 last Tuesday, when applied day CSR link went hot).Armed with DOC’s “apply with your Chase Banker” DP, got apvd within 5 min after giving mother’s maiden and income. apvd w/34K line. Met spend today–will see how long it takes for 100K UR pts to post. DW went in a day after me (she is @10/24 got denial ltr too) asked for preapvl but banker said her app is now pending–she would get the card or unable to approve letter in next 7-10 days. She rcvd the decline ltr for over 5/24 (second time in two weeks) today. Per DP above and DOC’s recommendation will have her ask our Chase Banker for help getting her a CSR. We did open both Chase ckng and savings acct with wife’s app with eyes towards $500 bonus ($200 for Ck acct w/direct deposit, $300 for savings acct w/$15K deposit). Plan for 2017, will keep CSR but downgrade my CSP (changed to Visa last Dec to get another 50K UR bonus) when 12 month hold time hits and get Freedom card.

I am a 30-year Chase customer with a FICO score over 800, and am a Private Client customer. I applied in-branch with my private banker 8 days ago, and since then it has been radio silence. Today (9/9) I called card services and got the automated message that they had received my application on 9/1 and would notify me in writing in about 2 weeks! That doesn’t sound good, but my banker said she has no information. Ideas on whether I should phone the recon line? What is the number?

Oh, and I am only 3/24, so it’s not as if I have too many recent credit inquiries. I have never been declined for a credit card, and already have a handful of cards with Chase, including Freedom, CSP, United, SW, Marriott. I also have business accounts there. Puzzled.

I’m at 14/24 my last Chase card was in March. I was pre approved at bank on 9/15. They said they don’t do pre approval for specific credit cards, you are either pre approved or you are not. Got pending and just received a denial for “too many credit cards opened in the last 2 years”. Is this not happening to anyone else? I’m wondering if the banker didn’t submit my app as someone who was preapproved.

Went to a branch yesterday and have a relationship with a banker from opening multiple banking accounts earlier this year. Unfortunately neither myself or my wife were pre-approved for the CSR, but he did give me some notable info:

-Regarding what the banker’s see on there end, he said he was seeing “nothing” when checking from pre-approvals for both of us. He said typically when he checks, as long as you haven’t gotten a new Chase card within 90 days, when they check for pre-approvals for a client, there will either be a pre-approval offer or a pre-qualified offer, the latter basically meaning Chase thinks you might be a good match for the card but hasn’t pre-approved you. To me, this sounds similar to the online self-checker on the Chase website. Since my wife and I both have gotten a new chase card within 90 days, I suppose this makes sense that he saw “nothing” and when I check online myself, we also are not pre-qualified for any cards. He said to check back with him after 90 days have passed so I’ll try again at the end of next month

-I also inquired about Chase Private Client. He said the minimum to start is $100K is chase holdings (banking and investments) with the goal to have $250K by the end of your first year. He also mentioned every time he calls lending for a client, they will ask him if the client is a chase private client, and as far as he remembers every time he has answered “yes” to that question, his client was approved for whatever product he was calling on. This included people over 5/24.

So nothing too groundbreaking, but thought I’d share my experience.

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