My FRB team said that they're happy to apply for the JPM Reserve card on my behalf. As part of that, they did mention they'd pull my credit report. Unfortunately, I just checked my credit report, and my credit score is ~650, entirely because of utilization on the CSR (I'm typically at 100% usage every month on the $75k credit limit). (I have a perfect payment history otherwise, one hard enquiry in the past five years, and no derogatory marks.) It's funny because this is the exact kind of problem that would be solved by the JPM Reserve.

Does anybody know if a credit score is a blocker to getting approved (given assets, income, and net worth are well in excess of the recommendations)?

Thanks!