As many of you are probably aware, the 100K in-branch sign-up offer for the Chase Sapphire Reserve ends this week (either on March 11th or 12th…some discrepancy there based on branches). I was hopeful that I’d miraculously be pre-approved for the card at the branch after being denied due to the 5/24 rule in December.
I headed over to the nearest branch at lunch to apply and learned some interesting information (of course, some of this may be specific to the branch or New York branches in general):
- I was pre-approved for multiple personal cards, but technically not for the Chase Sapphire Reserve. I asked the banker to show me the screen and although the pre-approved application link was missing, I saw that the Sapphire Reserve card was still shaded in green like the other pre-approved cards. He told me that about 3 1/2 weeks ago, the pre-approval application link simply disappeared for the Chase Sapphire Reserve, although the product still showed up in the list and was colored green for some clients.
- The approval process was painless as the system already had the majority of my information
- I was approved within seconds and the card already displays within my Chase online profile
So the takeaway here, even if you’ve been denied for the card due to the 5/24 rule, make the trip to the branch (if it’s close, otherwise I’d keep calling until you get a banker who will tell you your status over the phone). Then, even if you are told you are not pre-approved in the branch, ask if the card is shaded green on their screen. If the card is green but the pre-approval link is missing, you’ll likely still be approved as per my banker. Again, results will likely vary.