Sapphire (CSR & CSP) 48 months from bonus to next application, started in Aug. 2018.
#136
Join Date: Aug 2015
Location: SFO
Programs: AS 75K (OW), SK Silver (*A), UR, MR
Posts: 3,330
The threshold for a Chase denial is having opened five or more credit card accounts *across all banks* in the last 24 months. Might that be the case? This includes be an authorized user on cards.
#137
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
I just applied for the CSP and got denied, and I'm trying to figure out why. It's not because of 5/24 (I'm actually at 3/24). I was denied by them 2 1/2 years ago because of 5/24, could that be it? Have excellent credit overall, don't have any Chase cards, and never have received the CSP bonus. What other reasons could there be? Is there anything I can do?
#138
Join Date: Dec 2011
Location: Bay area, CA
Programs: SW, AS, UA, AA, Delta, Hilton, Hyatt, Club Carlson, SPG, IHG, Choice
Posts: 183
I had CSP few years back and then closed it. Not sure if I closed it during 2015 or 2016.
How can I find out when I closed that card and when I received the bonus? I don't have card anymore and credit history will only show last digits but not name of card, right?
How can I find out when I closed that card and when I received the bonus? I don't have card anymore and credit history will only show last digits but not name of card, right?
Last edited by mia; Apr 30, 2019 at 6:12 pm Reason: Please do not post the same question in more than one thread.
#139
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
Your credit report will tell you on what date the card was opened; add roughly 100 days or so to that date to approximate the date you received the bonus.
#140
Join Date: Aug 2015
Location: SFO
Programs: AS 75K (OW), SK Silver (*A), UR, MR
Posts: 3,330
Credit reports generally group closed accounts separately from open ones, so given it’s a Chase card and you know the approximate year, such a narrow search should yield few hits.
Last edited by mia; Apr 30, 2019 at 6:13 pm Reason: Remove reference to cross-post.
#141
Join Date: May 2009
Posts: 19
Hello,
I was wondering if anyone had a recent experience with closing CSP account and applying for CSR to be eligible for 50,000 sign-up bonus points. I didn't receive any bonus within the last 48 months and I canceled my CSP card two weeks ago. Would anyone know about the required minimum time before I can apply for CSR to receive the sign-up bonus? Thank you in advance for any insights.
I was wondering if anyone had a recent experience with closing CSP account and applying for CSR to be eligible for 50,000 sign-up bonus points. I didn't receive any bonus within the last 48 months and I canceled my CSP card two weeks ago. Would anyone know about the required minimum time before I can apply for CSR to receive the sign-up bonus? Thank you in advance for any insights.
#142
Join Date: Sep 2011
Posts: 1,857
Hello,
I was wondering if anyone had a recent experience with closing CSP account and applying for CSR to be eligible for 50,000 sign-up bonus points. I didn't receive any bonus within the last 48 months and I canceled my CSP card two weeks ago. Would anyone know about the required minimum time before I can apply for CSR to receive the sign-up bonus? Thank you in advance for any insights.
I was wondering if anyone had a recent experience with closing CSP account and applying for CSR to be eligible for 50,000 sign-up bonus points. I didn't receive any bonus within the last 48 months and I canceled my CSP card two weeks ago. Would anyone know about the required minimum time before I can apply for CSR to receive the sign-up bonus? Thank you in advance for any insights.
#143
Join Date: Feb 2008
Location: STL
Programs: MR Plat Premier, IHG Spire, Hilton Diamond, Southwest CP
Posts: 623
Shuffling my Chase cards around...good strategy for me?
Hello everyone - I am well under 5/24 and want to apply for the Sapphire Reserve for the bonus and ongoing travel benefits. I would plan to use this to essentially put all of my everyday spending for the near future. Would definitely use the travel credit each year to help offset the annual fee. Problem is, I am a current Sapphire Preferred holder (one of my oldest cards at ~10 years) and know you can't hold both at the same time. My spouse currently has the old Chase Ink business card that gives 5X on office supplies and we typically rack up points on that too and consolidate into my Ultimate Rewards account each month.
Would this strategy work for me with the intent of getting the Reserve?
Would this strategy work for me with the intent of getting the Reserve?
- First, I would transfer my pile of Ultimate Rewards points from my account to my wife's which is tied into her Ink Plus. This would be a sizable transfer as we are saving up for a big family European trip.
- Next, I would call to downgrade my Preferred card to either the Freedom or Freedom Unlimited products to preserve my history and convert to no annual fee
- Finally, I would apply for the Sapphire Reserve as a new card, obtain the bonus, and eventually transfer the UR points back from my wife's account to mine.
#146
Join Date: Feb 2008
Location: STL
Programs: MR Plat Premier, IHG Spire, Hilton Diamond, Southwest CP
Posts: 623
OK, thanks. Wasn't sure about how the downgrade worked. I thought for some reason that the Freedom products did not allow for transfer between family members unless you had one of the Sapphire cards active. Guess I'm just a little apprehensive given the UR account balance I have on there right now. I appreciate the input.
#147
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
Transfer has a specific meaning at Chase. Freedom, Freedom Unlimited and INK Cash cannot Transfer points to airline or hotel partners, but these cards can still Combine points with another member of the same household.
#149
Join Date: Feb 2008
Location: STL
Programs: MR Plat Premier, IHG Spire, Hilton Diamond, Southwest CP
Posts: 623
#150
Join Date: Feb 2008
Location: STL
Programs: MR Plat Premier, IHG Spire, Hilton Diamond, Southwest CP
Posts: 623