I understand you can’t have 2 sapphire products at the same time (Reserve and Preferred). What about the JPM Reserve? Does that get treated the same as the CSR? Interested in the 100k Preferred bonus rn. Is there a way to check with Chase before applying?

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This is no longer true actually. You can have both via product change but that means missing out on the bonus for one of them. You can't outright apply to a Sapphire if already holding one. Why someone would want both without the bonus, I have no idea...

I am pretty sure JPM Reserve is an entirely separate card. The good thing with Chase is that they will not approve you if you aren't eligible for the SUB. Just apply for the CSP and you should be fine.

Correct you will get a hard pull regardless. I have seen successful data points about this scenario so I am rather certain you are eligible for the SUB. If you get rejected, it would be for other reasons like 5/24 or whatever.

You could also run the application through your private banker / advisor and they should have no problem approving you. Tbh with the fact you have the top tier card and likely have $10M+ in assets there, not sure how much any of this even matters lol.

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