i had a similiar issue with my wife. she had a card with a like 300 dollar limit for a year and they would not approve her. DO NOT APPLY TO CHASE. they do not count accounts that u r an AU on as ur credit. they will deny her. I applied for my wife for those cards and no matter how hard i tried they would not approve her as they said she never had a credit card with a 1k+ credit so they could not approve her for those cards.