I called 1-888-245-0625 to check on the status of my app. and was told I was declined because I had too many inquiries on my credit report this year since I was trying to refinance my mortgage. I told her that I did not get any new loan despite all these inquiries. She offered to lower my credit limit from another chase rewards card from 50k to 10k and request 20k limit on this card and see if I am approved. I agreed and was on hold for 3 minutes, but it worked.