For churners over 5/24, in-branch pre-approvals from Chase are the one hope for obtaining the Chase Sapphire Reserve before the signup bonus decreases from 100,000 UR points to 50,000 UR points on March 12. I have bad news on that front, from an extremely reliable, but anonymous source.
Effective today, January 20, Chase has removed the Chase Sapphire Reserve Card from its pre-approval process for all Chase branches, including for Chase Private Clients. This is supposed to be temporary, but it is not specified when pre-approvals for the CSR will be reinstated.
I suspect that pre-approvals will not be reinstated before the signup bonus decreases on March 12, and that means a lot of people over 5/24 are out of luck. I will keep this post up-to-date with any changes that come in.
As a sidenote, although it has been confirmed elsewhere, I can also confirm that the in-branch signup bonus for the CSR is being dropped to match the online offer on March 12. For those not subject to the 5/24 rule, March 11 will be the last day to get the 100,000 UR signup bonus in-branch.
Questions and comments can be dropped below; I will do my best to answer them.
FAQs
Q: Is it just the check for pre-approval, or the actual likelihood of being approved behind the scenes? Another words, is Chase annoyed at people coming in for pre-approval checks, but you would still stand the same chance of approval if you applied “blind”?
A: Neither, from my understanding of the question. It’s been removed from pre-approval all together. Bankers will no longer see pre-approvals for the CSR, even if a client might’ve been pre-approved for the card before today.
Q: Is this also for other Chase cards?
A: This change only affects the CSR.
Q: Does this mean that the 100K bonus is not available at all in branch, or is this just removing the possibility of those over 5/24 to get the 100K bonus? In other words, could someone still apply for the card in branch and qualify for the 100K bonus if they are approved?
A: The 100,000 UR signup bonus is still available in branch. People over 5/24 can only get the card via pre-approval, so this eliminates their ability to obtain the CSR altogether, for now. (Outside of a product change).
Just a DP for everyone..
Went to nearby branch and was approved for 29K. I am 6/24 as of today.
Did you have a pre-approval or you just applied to the public offering. AFAIK pre-approvals have been gone for a while for the CSR. Are you CPC?
No I was not pre-approved, and you mentioned CSR has been removed from pre-approvals.. I am not CPC either, still approved without recon
The banker did tell me, that I have been pre-approved for all the cards Chase offers, so CSR should also go through..
Interesting, thanks for the DP.
You are welcome, Ken!
Well, as far as accounts in last 24 months here are the details – 03/24/2015 (AMEX BCE), 04/03/2015 (BOA Cash Rewards), 06/12/2015 (Macys), 07/04/2015(Citi TYP), 06/27/2016 (Chase FU), Barclay Arrival+(09/18/2016)
This is what EQ shows and my actual account open dates, EX however shows the first date of that month for all accounts.
Good details. Is Macy’s an Amex or store only card? Chase may now automatically not look at certain store cards. One could hope… Or at least forgive one.
Macys was store version, not the AMEX one.. And I think that may have been in my favor and they might have taken account open date from EX
I applied at a branch today and was approved. The 100k bonus ends March 11 according to the Chase rep. He also said the preapprovals were removed from their online site for the Chase Sapphire cards. When he pulled up my information I was preapproved for a number of their services. I’m outside the 5/24 otherwise I might not have applied.
Opened a checking account yesterday. Had zero pre-qual offers for any Chase cards when a few months ago I had several. Same for my wife.
Just checked with my local branch. My wife and I both have the reserve pre-approved offer. My wife applied in branch, agent called to the back office to reconfirm her identity. Approved with 10K limit. Took less than 10 min.
Were either of you over 5/24??
And were you over 5/24? Wondering how pre approval was available for banker?
4/24 for me and 2/24 for my wife.
Are you over the Chase 5/24 rule? Just trying to make sure this is an actual in branch pre-approval…
No, neither of us.
Ah ok, probably not a real pre-approval then glad to see you still got approved
With 2.5 weeks to go, I really hope Chase gets pre-approvals back for the CSR before the 100k ends! 🙁
They probably removed them because of the 100k offer.
APR wasn’t shown with on-screen approval — banker discussed it with me beforehand; but I don’t remember what it was at the time (I pay off in full each month so APR wasn’t a sticking point). Screen was bare minimum of info — showed total credit line available ($34K), and that’s about it I think.
Thanks for the quick reply. I was asking if the pre-approval screen they showed you had a fixed APR rate as that’s usually (if not always) indicative of a true pre-approved offer. It’s been reported by many people that they’re told they’re “pre-approved” when they really aren’t. More accurately, they’re “invited to apply”.
FYI
DP as of 2/13/17
* Went in branch to get CSR for 100K bonus.
* Was pre-approved — banker showed me on-screen pre-approval. Took about 10-15 minutes total.
* 1/24 with 800+ credit.
* Received card via UPS on 2/15/17 (2 days later!).
* Applied for 70K United MileagePlus Explorer card online same day (2/13) — got 30-day wait email. Don’t know if combined inquiries.
Hi, was there a fixed APR when he showed you the screen?
If anyone else has seen pre-approvals lately, please post here 🙂
APR wasn’t shown with on-screen approval — banker discussed it with me beforehand; but I don’t remember what it was at the time (I pay off in full each month so APR wasn’t a sticking point). Screen was bare minimum of info — showed total credit line available ($34K), and that’s about it I think.
Hi, Both me and my wife went in branch to check on Preapprovals. We were told by the banker that we had an ‘invitation to apply’ on this card.
Could someone help me out on what ‘invitation to apply’ would mean ? It was on both me and my wife’s account.
Never mind ..found the answer here ..
https://www.doctorofcredit.com/chase-pre-approval-branch-frequently-asked-questions/
Doesnt look like good news but asked my wife to go ahead and apply. Will report back on data point. So far :
1) She also got an range 16.xx to 23.xx on the APR rate
2) She has 760 score
Thanks
Not the same as pre-approval AFAIK
Thanks William. I went ahead and applied for her and she got the card approved.
DP for everyone. Applied for Sapphire reserve for spouse.
0) No preapproval. Just ‘Invitation to Apply’
1) 1/24. AU on another Chase freedom card.
2) 750 -770 credit score range
3) Chase banker#2 was really helpful. We had applied last week (with another banker #1) but somehow that application didnt go through which was totally weird. I was told they had some connectivity issues
3) Chase banker #2 somehow maybe revived that application so as to not have two credit inquiries and applied today
4) She then personally called up the underwriting dept rep and asked them verify about this application
5) The underwriting dept rep verified and approved it on the spot
6) Wooohooo !!!
Now excited to wait for the card !
Awesome, great news! Enjoy the bonus and the card 🙂
went into branch today to try to get the CSR knowing im over 5/24. didn’t realize they removed the pre-approval. apparently the only way even for the banker to apply is using the online platform which only offers 50K. in the wiki above it says that a banker in branch can still apply with the 100k offer?how? maybe the banker didn’t know what they were doing?
Should still be possible to apply with the 100k offer in branch, just a bad banker I’d guess.
DP – Tried to apply for the CSR in branch and wasn’t allowed due to already being an authorized user on a CSR. They even called someone to confirm this was the case. Has anyone else had this issue? Should I try at a different branch? Thanks!
Called customer service and they told me that what the banker said was “false”. They told me to apply online and they would escalate the issue to match the 100k. I’m not sure I understand what the issue was in branch then… Maybe the same issue as blah blah below me?
I’m relatively new to the CC bonus game, I hit my 5/24 a few months ago, didn’t dawn on me until recently to have my wife start applying for cards, but too late for CSR 100,000 point bonus. I don’t live anywhere remotely close to a Chase branch, any chance my wife can call one and apply over the phone? 🙂
I don’t think so, but I suppose it couldn’t hurt to call and ask?