Applied about a week ago and got the pending message. Decided to call today and check up on things. Had a little chat with a personal analyst.

I already have four Chase cards, and this application would have had me exceeding my credit limit w/ relationship to income. The problem is that the cards I have, BA, Sappire Preferred, Continental, Priority Club, all have a MINIMUM $5000 credit limit, so she could only remove amounts off of the other cards DOWN to that amount. She also said that the minimum for the MP card was also $5K. After taking away some away from my BA and Continental limits, I was still $1000 short, but she threw that in the pot just to make the deal work.

Chase is bending over backwards to give us these cards. This is my 5th Chase card this year.