Applying for Chase Credit Cards, 2017-2019
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#1
Moderator: Travel Buzz, Chase Credit Cards
Original Poster
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,003
Applying for Chase Credit Cards, 2017-2019
This is the home of the 2017 "Applying for Chase Credit Cards" thread.
Open for posting.
Open for posting.
Last edited by StartinSanDiego; Jan 20, 17 at 12:34 pm Reason: Update

#2
Join Date: Jan 2012
Posts: 7
Sapphire Reserve Approval Chances?
Just checked my pre-qualified offers and the Chase Sapphire Preferred is on the list but not the Reserve. Any thoughts on what this means regarding getting approved for Preferred? Credit score is 726-738 depending on which site I look at. I am under the 5/24 limit and just have an auto loan within the past 12 months.
Thanks!!
Thanks!!

#3
Join Date: Oct 2016
Posts: 65
Just checked my pre-qualified offers and the Chase Sapphire Preferred is on the list but not the Reserve. Any thoughts on what this means regarding getting approved for Preferred? Credit score is 726-738 depending on which site I look at. I am under the 5/24 limit and just have an auto loan within the past 12 months.
Thanks!!
Thanks!!

#4
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Just checked my pre-qualified offers and the Chase Sapphire Preferred is on the list but not the Reserve. Any thoughts on what this means regarding getting approved for Preferred? Credit score is 726-738 depending on which site I look at. I am under the 5/24 limit and just have an auto loan within the past 12 months.
Thanks!!
Thanks!!
So good luck and give it a try if your under 5/24. I had just went under it on 12/22.

#5
Join Date: Jan 2012
Posts: 7
I applied on 12/26 even though I wasn't pre-approved for the CSR. It took 30-60 seconds and came back approved and I have over $3300 charged to it already. I had a trip that we were planning that I pulled the trigger on for most of the spend.
So good luck and give it a try if your under 5/24. I had just went under it on 12/22.
So good luck and give it a try if your under 5/24. I had just went under it on 12/22.

#6
Join Date: Apr 2002
Posts: 2,715
I am well over 5/24, but received a flyer in the mail for the UAL 50K card (the one that requires you to log in to your account). The offer appears in my account, but I was wondering if I would be shot down for the card given the 5/24 rule? On an aside, I haven't received a Chase UAL bonus in over 24 months.

#7
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
Just checked my pre-qualified offers and the Chase Sapphire Preferred is on the list but not the Reserve. Any thoughts on what this means regarding getting approved for Preferred? Credit score is 726-738 depending on which site I look at. I am under the 5/24 limit and just have an auto loan within the past 12 months.
Thanks!!
Thanks!!

#8
Join Date: Feb 2003
Posts: 7,409
I am well over 5/24, but received a flyer in the mail for the UAL 50K card (the one that requires you to log in to your account). The offer appears in my account, but I was wondering if I would be shot down for the card given the 5/24 rule? On an aside, I haven't received a Chase UAL bonus in over 24 months.

#9
Join Date: Apr 2002
Posts: 2,715
OK, thanks Beltway. I did scour the wiki, as well as the last several pages of this thread, but just thought I'd check to see if there were any new thoughts/experiences out there. Accordingly, I think I'll pass on the application, as it doesn't seem as though it makes much sense for a hard pull with the likelihood that I'll get denied.

#10
Join Date: Feb 2013
Posts: 12
I made an idiotic mistake in late October and applied for the CSR thinking that I was 3/24 (didn't double check the credit report and forgot about a 11/15 churn). I was actually 6/24. I double checked the credit report today and am definitely at 3/24.
My previous app date for CSR was on 10/24/16 and was rejected for being over 5/24. How long do I need to wait between apps? It's been 71 days since the rejection. Is it safe to apply again?
My previous app date for CSR was on 10/24/16 and was rejected for being over 5/24. How long do I need to wait between apps? It's been 71 days since the rejection. Is it safe to apply again?

#11
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
I made an idiotic mistake in late October and applied for the CSR thinking that I was 3/24 (didn't double check the credit report and forgot about a 11/15 churn). I was actually 6/24. I double checked the credit report today and am definitely at 3/24.
My previous app date for CSR was on 10/24/16 and was rejected for being over 5/24. How long do I need to wait between apps? It's been 71 days since the rejection. Is it safe to apply again?
My previous app date for CSR was on 10/24/16 and was rejected for being over 5/24. How long do I need to wait between apps? It's been 71 days since the rejection. Is it safe to apply again?

#12
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,072
Update annual income
I've been with Chase for many years. Honestly, I have no idea what they have on record for my annual income. Before making the try for CSR (in branch, probably next month - I'm just above 4/24), I figured I should go online and update my annual income - current income is probably substantially higher than what they have from years ago.
Is there any possible negative impact in doing that (going online and updating my annual income)? Surely that wouldn't trigger a hard pull...right?
Thanks
Is there any possible negative impact in doing that (going online and updating my annual income)? Surely that wouldn't trigger a hard pull...right?
Thanks

#13
Join Date: May 2003
Location: Slightly to the left of center
Posts: 3,476
Data Point
Applied in October when I thought I was 4/24 (one co-branded card I excluded and one open date I mistakingly thought was >24 months old). So actually was at 5 or 6/24. Declined for too many accounts.
Applied yesterday assuming worst case scenario that all cards apply to rule, now putting me at 4/24. Credit score >800. Immediate approval and one of the highest credit limits ever. Yowzers.
Whew, in before the 100K offer vanishes.
Applied in October when I thought I was 4/24 (one co-branded card I excluded and one open date I mistakingly thought was >24 months old). So actually was at 5 or 6/24. Declined for too many accounts.
Applied yesterday assuming worst case scenario that all cards apply to rule, now putting me at 4/24. Credit score >800. Immediate approval and one of the highest credit limits ever. Yowzers.
Whew, in before the 100K offer vanishes.

#15
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,660
I've been with Chase for many years. Honestly, I have no idea what they have on record for my annual income. Before making the try for CSR (in branch, probably next month - I'm just above 4/24), I figured I should go online and update my annual income - current income is probably substantially higher than what they have from years ago.
Is there any possible negative impact in doing that (going online and updating my annual income)? Surely that wouldn't trigger a hard pull...right?
Thanks
Is there any possible negative impact in doing that (going online and updating my annual income)? Surely that wouldn't trigger a hard pull...right?
Thanks
