Posted by William Charles on August 23, 2016
Credit Cards

Published on August 23rd, 2016 | by William Charles

139

Over 5/24? Apply For Chase Sapphire Reserve In Branch

Update: If you still have questions, read this post.

Now that the Chase Sapphire Reserve is officially available, there are a lot of disappointed people because the Chase 5/24 rule applies to this card. One of the ways you can bypass this ‘rule’ is by receiving a pre-approval in branch for the card (you can literally just ask if you have any pre-approval offers). A lot of readers let us know they were successfully approved for the card when they did this:

I don’t think I’ve seen any denial data points (at least on this site) for people that were pre-approved.

What If I’m Not Pre-Approved In Branch?

It looks like that pre-approval is really necessary, if you ask and they say you have no offers (or the Chase Sapphire Reserve is not pre-approved) then chances are you will be denied due to 5/24. Here are some data points:

  • 1, 2, 3 (not successful on recon)

I Already Applied Online and I Was Denied, What Can I do?

Thankfully for you, I bring you good news. Three readers also applied online and were denied, they then went in branch and asked if they were pre-approved for any cards (they were). All three of them were approved. You can read about their data points here, here and here.

What If You’re Not Instantly Approved?

I believe this depends on the reason you’re not approved, but you should be able to ask the banker that processed your application if there is any reason why you were denied/if there is anything you can do to get approved. Sometimes they might need to call in and then verify some information, or ask you to reallocate credit limits.

What If There Is No Branch Near Me?

Unfortunately you’re out of luck, the online pre-approval tool isn’t the same. I guess your best option would to be go into a branch next time you travel near one.

Final Thoughts

Personally I’d do this soon (like now) rather than later because you never know when Chase will change their policies. I know we’ve posted about this card an unhealthy amount recently, but I really do think it is kind of special for the first year and while it keeps this big sign up bonus. Share your experience in the comments below.

We’ve also written a Frequently Asked Questions on Chase in-branch approvals here.



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Dima
Dima

Is banking relationship with Chase needed to check on the pre-approval? What kind of information do they need to do the check?

Jon
Jon

+1
If we have no banking relationship, do we just walk into a random branch and say “Can you check what credit cards I’m pre-approved for?”

Chuck

Yes

Lantean
Lantean

i don’t think so.
when you come in, all they ask is your ID and if you have an existing Chase credit card.

if you’re pre-approved, they will ask your income and mother’s maiden name before submitting.

that’s all.

Chuck

To clarify, I meant that you don’t need a checking/savings account. But as Lantean says, you do need some sort of relationship, like a credit card.

Steven
Steven

I had the same thing happen to me (preapproval in branch after being denied online for 5/24). I do not have a checking or savings account with Chase, although I used to have a checking account. I can see the reason for this loophole existing: during the entirety of the time I was there, the banker tried sell me on other products.

Elias
Elias

How much over 5/24 were you guys? I am at 16/24

Lantean
Lantean

i just counted… i was at 26/24… approved for $23k credit line, no problem.

Elias
Elias

THANK YOU! I was approved for 25k!!!

Lantean
Lantean

yay!
😉

MrDioji
MrDioji

How long ago did you open your most recent Chase card?

Lantean
Lantean

I opened Ink cash in March.

Damian
Damian

I am CPC and was pre-approved in branch. Applied through CPC banker and got pending. CPC suggested it was due to too much credit with Chase and 5/24. He called and still couldn’t force through. He is now submitting a manual underwriting request for me.

My question: Should I call recon to see if I can shift credit or just hold tight?

Chuck

I’d wait

Damian
Damian

Good advice. My application was denied but my Chase Private Banker revived it from the dead. It’s true that CPC can bypass 5/24, at least in some cases.

Damian
Damian

I am ~20/24

Adrian
Adrian

Does doing the online check for pre approvals matter in this case? I checked my pre approvals online and didn’t have anything listed.

Shan
Shan

Doesn’t matter… Lot of people had nothing online, but they had preapproval not only for CSR but also for some other cards as well.. Looks like online and bank process are completely different….

Jay
Jay

I went to check if I was preapproved and the banker said I wasn’t, but I was “invited” to apply. I asked what the difference was and he said there wasn’t a difference. Since I haven’t read anything at all about being “invited,” I’m assuming he was just trying to get me to apply for the card for the potential commission.

Mark
Mark

If I upgrade a card for example the CSP to the Reserve card, does this new card count for 5/24?

Chuck

It shouldn’t. I think you’ll be okay.

mord1
mord1

I already have a lot of credit at chase. Should I reduce my CL before going in? or do they seem to be just giving it away if you are preapproved?

Lantean
Lantean

i would not.

if they want to approve you but they need you to move CL around, the system will prompt the banker to call a special number… then they can offer you to move CL.

Chris
Chris

I personally did that yesterday. I think that increases my chances of automatic approval, as I was somewhere close to the limits that Chase would have been happy to extend me more credit based on my income.

Chuck

I also just lowered my credit lines.

Dan

FYI Doc, I’ve seen 2 data points where in-branch pre-approvals were denied. One DP suggested that having too many Chase credit cards could have played a role, IIRC.

Dan

***To clarify, I meant too many new credit cards played role in denial for pre-approved applicant.

p1
p1

CPC, with about 8/24, 3 with Chase. I applied in branch with a CPC banker yesterday. The banker didn’t mention any pre-approvals (and I didn’t know to ask) and just helped me put in the application. Got a 7-10 day pending.. Seems like the banker basically did nothing extra in the application that I couldn’t have done myself online..

Should I call recon?

Chuck

Go through your CPC banker. That’s the best way.

Tom
Tom

I’ll second that. Same thing happened to me. I called Recon and got rejected. You can have your CPC banker file an appeal.

Hertz
Hertz

After being denied online yesterday, I just stopped into a Chase branch in Manhattan this morning. I was not pre-approved in their system, and after going thru the application process with the rep, I got the dreaded “you’ll find out by mail in 7-10 days” answer. So this is hardly a guaranteed workaround folks.

My stats: 7/24, 820 FICO, 400k annual household income, 3 other Chase cards but no banking accounts.

Ant
Ant

Just tried….banker said I didn’t have a pre-approval for it.

I’m around 10/24

Damian
Damian

I am CPC and was pre-approved in branch. CPC banker submitted my application in-branch, but immediately went to pending. He called while I was there and told me I had too much credit with Chase and alluded to being over 5/24 (I’m ~20/24). Followed up later in the day and said he would have to do a “manual underwriting.”

Questions: Does anyone have experience with manual underwriting? Should I call Recon myself to see if I can move credit around, or just hold tight?

Chuck

I think you should continue to go thru your banker, not the regular recon line.

Credit
Credit

I have fraud alert on my credit report. Whether pre-approved or not the application always goes pending. Then some human looks at it and tries to earn his salary by denying the application even if the automated system would have approved me or they have already approved multiple people over 5/24 etc.

Loosen up chase bankers.

xgerman
xgerman

I went in today and ask for pre-approvals. The banker said they will show up 6 months after the last credit card from Chase got opened and would be the same I see online – I think he is clueless but wondering if there is some truth to it.

Lantean
Lantean

he’s an idiot. go back and ask for another banker

MrDioji
MrDioji

I wondered the same thing this morning: https://twitter.com/MrDioji/status/768079672428986371

The 6 months would make sense. I think we should track timing of last Chase card for those who are pre-approved. 9/30 would be 6 months for me. Hopefully 100k offer lasts.

I’m not sure about the “same as online” thing.

JA
JA

I went in and he told me he didn’t see any pre-approval.

Vinny
Vinny

Is it possible to check if you are preapproved by calling a branch? I live 1.5 hrs away from the nearest branch.

John Fine
John Fine

Would love to know if anyone has experience with this as well.

Lucy
Lucy

Also wondering this. It’s only 25 mins for me, but if I can spare 50 mins round trip, that’d be great. I’m at 6/24.

Mark
Mark

No, they need to see ID.

anthonyjh21
anthonyjh21

Need to know the same. Hopefully someone can provide a useful data point.

Don L

Yes. Bank Representative looked me up over the phone.

She requested that I come in branch to actually apply – sign forms.

Jeff
Jeff

Yes. I did.

Andy
Andy

Went to the bank. She didn’t check for preapproval but she did submit my app. It asked for more information and she was optimistic but after several minutes on hold (I think he was trying to find a reason to approve me), but I was told no due to too many applications in the last 2 years. It was worth a try. I am at 7/24. None in the last 2 months but 4 this year.

Lantean
Lantean

this sounds like they just submitted a regular application for you that you could have done yourself.

if they asked for anything else besides your income and mother’s maiden name, they messed up.

henry
henry

Is there a way to call the branch to check if I am pre-approved?
Got no branch here and don’t want to travel a long time ending up not pre-approved…

Bill
Bill

Approved at 20/24 with 32K limit. Processed in branch. Thank you DOC.

Jim
Jim

I have until next week until returning from overseas. Is it possible to call into a branch and ask and go through a preapproved app via phonecall or does it have to be a physical visit. Already plan on a visit next Monday but don’t want to risk a policy change in the meantime.

TravellerAtoZ
TravellerAtoZ

I stopped by my branch today and I was told I’m currently not pre approved for any (I currently have ~7 chase cards with little recent spend). Any suggestions for “getting pre approved?” Data points for a new bank account opening doors to credit cards?

The rep said that I would probably get approved anyway without the pre approval. I smiled and politely declined… (I’m 36/24 + authorized user accounts)

Jeremy
Jeremy

I opted out of chase credit card offers years ago, any idea if this means I will have no pre-approval offers in branch?

Lucy
Lucy

Also wondering this. I need to get around to opting back in with the credit bureaus.

Jeremy
Jeremy

I got two pre-approval in branch yesterday, CFU and CSR. I applied CSR first, pending and then approved(12/24). Then I applied CFU, it showed me the 7-10 msg. So I recall that when you applied one of your pre-approval, the another will be gone. Is that true?

Chuck

I never heard of that. Doesn’t sound right to me, but what do I know

Sam
Sam

How long did you wait to find out you had been approved? I went in and was pre-approved for CSR, applied and it went to pending. Trying to figure out if I should combine another pull.

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