What I'm trying to point out is that we did / have everything just as it should be --great credit, checking account with Chase, more than adequate income, no abuse of credit lines, own home, ontime pay, no debts (no car or mortgage payments) and hit the minimum spend. Yet we did not get instant approval, and few people who have received the "pending review" letter go on to receive the cards with having to make a phone call to the reconsideration #.