Aug 27, 2016, 8:34 am
Last edit by: mia
Discussion continues HERE.
This card is subject to Chase's 5/24 policy. To read a summary of the policy click HERE. To discuss it click HERE.
You can override 5/24 by having an in-branch pre-approval (only! online prequalification does NOT override 5/24), or by already being Chase Private Client (as in you see the "Chase Private Client" text on the login screen of the Chase mobile app.)
Landing page with bonus offer (100,000 UR after spending $4,000 in 90 days):
https://creditcards.chase.com/credit...04&IS2F=Y71UH0
Application page: https://applynow.chase.com/FlexAppWe...L3P&PROMO=DF01
100,000 UR points is worth $1,000 as statement credit, $1,500 when used for travel through the Chase portal, or potentially more if transferred to a partner.
Card features are here:https://www.chase.com/card-benefits/...reserve/travel. The card's Priority Pass includes unlimited guests. [Verified in Post #2635] Also verified by Chase
Schumer box on 8/15/2016:
https://applynow.chase.com/FlexAppWe...g.do?card=FL3P
Chase Sapphire Reserve Ultimate Rewards Program Agreement
https://chaseonline.chase.com/resources/RPA0511_Web.pdf
Chase Sapphire Reserve Guide to Benefits
https://www.chasebenefits.com/sapphirereserve
The card is made of the same material as the CSP, and is being shipped UPS Next Day Air Saver to everyone after production (currently (8/26) appears to have about a 3-day delay after approval before shipping. Expedited shipping is no longer being approved). Some are getting plastic cards with no box. Chase advises metal cards will follow later in these cases.
How to determine your account number, expiration date, and shipping date before receiving the card:
1. Send a secure message (SM) from the account. A common SM would be to ask about the sign-up bonus and last day to complete the spend requirement (which appears to be approximately 3.5 months from the date of approval).
2. Check the Sent Messages folder, and the full account number will be listed in the header of the message that you just sent. The number starts with 414720....
3. The expiration date is three years from the month of approval. So, if you were approved on August 31, 2016, your expiration date will be August 2019.
4. CVV2 number is not available, so if a merchant requires it for payment, you must wait for the physical card.
5. According to many reports, the card is not activated until it is shipped, which happens to be UPS Next Day Air Saver (if shipped on Friday, you will not receive the card until Monday or the next business day). To find out when it is shipped, go to My UPS and sign up for a free account. You'll be notified when a shipment is destined to your address.
Priority Pass Select
Click HERE to read the separate thread discussing this benefit.
As soon as the account shows up online:
1. Click on Go To Ultimate Rewards.
2. Scroll down to the very bottom left and click on "Card Benefits"
3. Activate Membership to request card.
4. Card will take 1-2 weeks and can't be expedited, but members have reported success in charging the lounge access to the card and requesting a refund from Customer Service.
5. PP cards will be issued for the account holder and any AU(s)
6. According to Chase, CSR's PP membership includes guest access.
Duplicate Card
1. If you receive the plastic card, wait for the metal card to arrive automatically.
2. If you receive the metal card, send SM or call to request plastic card (for use with overseas merchants that require a card imprint, because you hate metal cards, whatever).
3. DO NOT request a replacement card (especially under any pretense that the card was lost or misplaced).
4. Both cards will have the same number, expiration and CVV. Both cards will work.
5. It appears that all CSR cards are sent overnight once produced, including the plastic 'replacement' cards. No need to request expedited shipping.
How to get bonus points on the first statement:
Act very quickly; you may have less than a week. It depends on the timing of your first statement and when you receive the card. 4K in spending has to clear (not pending) about a week before the statement cuts in order to get the bonus points on that statement. Under "account details" you can see your first payment due date. Your closing date is usually three calendar days after your due date. For instance, if your very first bill is due October 20 that statement would close on September 23, and spending would have to clear by approximately September 16 in order to get the bonus points.
This card is subject to Chase's 5/24 policy. To read a summary of the policy click HERE. To discuss it click HERE.
You can override 5/24 by having an in-branch pre-approval (only! online prequalification does NOT override 5/24), or by already being Chase Private Client (as in you see the "Chase Private Client" text on the login screen of the Chase mobile app.)
Landing page with bonus offer (100,000 UR after spending $4,000 in 90 days):
https://creditcards.chase.com/credit...04&IS2F=Y71UH0
Application page: https://applynow.chase.com/FlexAppWe...L3P&PROMO=DF01
100,000 UR points is worth $1,000 as statement credit, $1,500 when used for travel through the Chase portal, or potentially more if transferred to a partner.
Card features are here:https://www.chase.com/card-benefits/...reserve/travel. The card's Priority Pass includes unlimited guests. [Verified in Post #2635] Also verified by Chase
Schumer box on 8/15/2016:
https://applynow.chase.com/FlexAppWe...g.do?card=FL3P
Chase Sapphire Reserve Ultimate Rewards Program Agreement
https://chaseonline.chase.com/resources/RPA0511_Web.pdf
Chase Sapphire Reserve Guide to Benefits
https://www.chasebenefits.com/sapphirereserve
The card is made of the same material as the CSP, and is being shipped UPS Next Day Air Saver to everyone after production (currently (8/26) appears to have about a 3-day delay after approval before shipping. Expedited shipping is no longer being approved). Some are getting plastic cards with no box. Chase advises metal cards will follow later in these cases.
How to determine your account number, expiration date, and shipping date before receiving the card:
1. Send a secure message (SM) from the account. A common SM would be to ask about the sign-up bonus and last day to complete the spend requirement (which appears to be approximately 3.5 months from the date of approval).
2. Check the Sent Messages folder, and the full account number will be listed in the header of the message that you just sent. The number starts with 414720....
3. The expiration date is three years from the month of approval. So, if you were approved on August 31, 2016, your expiration date will be August 2019.
4. CVV2 number is not available, so if a merchant requires it for payment, you must wait for the physical card.
5. According to many reports, the card is not activated until it is shipped, which happens to be UPS Next Day Air Saver (if shipped on Friday, you will not receive the card until Monday or the next business day). To find out when it is shipped, go to My UPS and sign up for a free account. You'll be notified when a shipment is destined to your address.
Priority Pass Select
Click HERE to read the separate thread discussing this benefit.
As soon as the account shows up online:
1. Click on Go To Ultimate Rewards.
2. Scroll down to the very bottom left and click on "Card Benefits"
3. Activate Membership to request card.
4. Card will take 1-2 weeks and can't be expedited, but members have reported success in charging the lounge access to the card and requesting a refund from Customer Service.
5. PP cards will be issued for the account holder and any AU(s)
6. According to Chase, CSR's PP membership includes guest access.
Duplicate Card
1. If you receive the plastic card, wait for the metal card to arrive automatically.
2. If you receive the metal card, send SM or call to request plastic card (for use with overseas merchants that require a card imprint, because you hate metal cards, whatever).
3. DO NOT request a replacement card (especially under any pretense that the card was lost or misplaced).
4. Both cards will have the same number, expiration and CVV. Both cards will work.
5. It appears that all CSR cards are sent overnight once produced, including the plastic 'replacement' cards. No need to request expedited shipping.
How to get bonus points on the first statement:
Act very quickly; you may have less than a week. It depends on the timing of your first statement and when you receive the card. 4K in spending has to clear (not pending) about a week before the statement cuts in order to get the bonus points on that statement. Under "account details" you can see your first payment due date. Your closing date is usually three calendar days after your due date. For instance, if your very first bill is due October 20 that statement would close on September 23, and spending would have to clear by approximately September 16 in order to get the bonus points.
Chase Sapphire Reserve [Initial application frenzy]
Aug 23, 2016, 8:20 pm
#781
Join Date: Aug 2014
Posts: 1,303
Going to call Jaime Dimon directly, I'm well over 5/24 but he owes me one.
Aug 23, 2016, 8:45 pm
#782
Join Date: Oct 2015
Location: NJ (EWR)
Programs: UA Premier Platinum + Marriott Platinum
Posts: 29
To be honest, I do not recall the exact language. I want to say it is limited to AD, but, I do not even know the official title of this program, and if it is an issuing bank decision, or something else.
Aug 23, 2016, 8:56 pm
#783
Join Date: Dec 2004
Posts: 181
I am over 5/24 so had my husband apply.
4/24, FICO 830, over $100k income
Application went to pending which I was a bit surprised by as I figured he would automatically qualify. He called Chase last night and the guy simply told him "not everyone will qualify for this card". So he asked the guy to lower the credit limit on two of his existing Chase cards and free up some credit.. then just wait and see.
Tonight I called the automated line (800-432-3117, hit #, 3, 1 and enter your SSN) and it says Wait 2 weeks. I think that is a good sign?
4/24, FICO 830, over $100k income
Application went to pending which I was a bit surprised by as I figured he would automatically qualify. He called Chase last night and the guy simply told him "not everyone will qualify for this card". So he asked the guy to lower the credit limit on two of his existing Chase cards and free up some credit.. then just wait and see.
Tonight I called the automated line (800-432-3117, hit #, 3, 1 and enter your SSN) and it says Wait 2 weeks. I think that is a good sign?
Aug 23, 2016, 9:00 pm
#784
Join Date: Mar 2011
Location: San Antonio, Texas
Programs: AA P-Pro, Chase SP, SPG Gold
Posts: 556
Damn. I thought I was golden for instant. 3/24, $100k+, 827 FICO and only $46 in CL with Chase. Guess I'll be calling in the morning.
Thank you for submitting a credit card application to Chase.
Here's what you can expect next:
We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision.
If we approve your application, we'll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.
If we don't approve your application, we'll send you a letter explaining why.
Thank you for applying for a Chase credit card
Thank you for submitting a credit card application to Chase.
Here's what you can expect next:
We'll let you know of our decision through U.S. mail within the next 30 days. Please don't resubmit this application while waiting for our decision.
If we approve your application, we'll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer.
If we don't approve your application, we'll send you a letter explaining why.
Thank you for applying for a Chase credit card
Last edited by onesocalkid; Aug 23, 2016 at 9:07 pm
Aug 23, 2016, 9:02 pm
#785
Join Date: May 2012
Posts: 221
Bummer.
Employee at branch said I was pre-approved but got put into 7-10 day wait. Checking and savings at Chase. Freedom, IHG, Southwest Premier and Southwest Biz.
Hilariously I hadn't counted these up: 25/24
FICO 795-820 depending on source
six figure income
Pretty sure a phone call to recon would mean instant denial so thinking I'll just sit tight. Any other thoughts?
Employee at branch said I was pre-approved but got put into 7-10 day wait. Checking and savings at Chase. Freedom, IHG, Southwest Premier and Southwest Biz.
Hilariously I hadn't counted these up: 25/24
FICO 795-820 depending on source
six figure income
Pretty sure a phone call to recon would mean instant denial so thinking I'll just sit tight. Any other thoughts?
Aug 23, 2016, 9:11 pm
#786
Join Date: Aug 2016
Posts: 53
SCRA applies to debt incurred only prior to entering active duty. I'm pretty sure this applies to ANG/reserves if they are called to AD. Its well known that Chase pretty much won't waive the annual fee for service members and they are not legally obliged to do so.
Aug 23, 2016, 9:12 pm
#787
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
Aug 23, 2016, 9:32 pm
#789
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,800
Do you have any other relationship w/ Chase? I was pre-approved for all the cards under 5/24 and was instantly approved for CSR, but have banking and mortgage with Chase.
Aug 23, 2016, 9:56 pm
#790
Join Date: Sep 2012
Posts: 4,431
I've had checking and savings accounts with Chase for about 8 years now. I have over $100k in there. No mortgage, though. I was a little surprised that I wasn't pre approved for it.
Aug 23, 2016, 10:05 pm
#791
Join Date: Dec 2010
Posts: 507
We need to review your application a little longer.
We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.
Thanks for choosing Chase Sapphire ReserveSM.
We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.
Thanks for choosing Chase Sapphire ReserveSM.
~150k income and at only 1/24. housing is less then 10% of gross.
FICO 787-818
only other credit inquiry in the last 2 years was a auto loan refinance in feb. have 3 current cards with chase, all paid in full every month.
thought i'd get instantly approved not good enough for that apparently.
damn.
Aug 23, 2016, 10:15 pm
#792
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
Bummer.
Employee at branch said I was pre-approved but got put into 7-10 day wait. Checking and savings at Chase. Freedom, IHG, Southwest Premier and Southwest Biz.
Hilariously I hadn't counted these up: 25/24
FICO 795-820 depending on source
six figure income
Pretty sure a phone call to recon would mean instant denial so thinking I'll just sit tight. Any other thoughts?
Employee at branch said I was pre-approved but got put into 7-10 day wait. Checking and savings at Chase. Freedom, IHG, Southwest Premier and Southwest Biz.
Hilariously I hadn't counted these up: 25/24
FICO 795-820 depending on source
six figure income
Pretty sure a phone call to recon would mean instant denial so thinking I'll just sit tight. Any other thoughts?
Aug 23, 2016, 10:16 pm
#793
Join Date: Mar 2010
Location: California
Programs: UA 1K/MillionMiler; Delta Diamond; AA Plat; Marriott Titanium; Hyatt Globalist
Posts: 68
Under 5/24, according to credit report in Experian app.
~100k income
over 810 FICO.
Current 4 Chase cards including CSP, no Chase bank accounts.
Went in yesterday and banker submitted, after checking if they could upgrade CSP to CSR. But they said I wouldn't get the bonus.
So we submitted a new app, went to pending.
I called recon line just now and they asked me to lift freeze with Equifax. So the guy says initial review is good, he'd move $15k CL from CSP and add $10k more.
But there needs to be a second level review and that could take up to 2 weeks.
...
Still strange, apparently nobody else is running into this second layer of approval needed thing.
~100k income
over 810 FICO.
Current 4 Chase cards including CSP, no Chase bank accounts.
Went in yesterday and banker submitted, after checking if they could upgrade CSP to CSR. But they said I wouldn't get the bonus.
So we submitted a new app, went to pending.
I called recon line just now and they asked me to lift freeze with Equifax. So the guy says initial review is good, he'd move $15k CL from CSP and add $10k more.
But there needs to be a second level review and that could take up to 2 weeks.
...
Still strange, apparently nobody else is running into this second layer of approval needed thing.
Aug 23, 2016, 10:18 pm
#794
Join Date: Sep 2007
Location: SFO
Programs: UA Silver SPG Lifetime Gold
Posts: 530
As another reference point, I was approved in branch today. I applied on Monday online, and got the message:
We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.
In order to ensure I didn't get a rejection notice, I decided to apply at a local Chase.
The approval process in the branch was very quick. I was in/out in about 5 minutes.
We'll let you know our decision in writing as soon as we can. If we approve your application, you'll receive your card in the mail in 7-10 business days. Please don't resubmit your application.
In order to ensure I didn't get a rejection notice, I decided to apply at a local Chase.
The approval process in the branch was very quick. I was in/out in about 5 minutes.
Aug 23, 2016, 10:41 pm
#795
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,800
Mine was similar. About 15 mins, but half that was spent BSing with the banker. Hand over debit card and ID, she pulled up my account, sent in the app, and I was approved.