Originally Posted by Phasers

As a former chase banker (in a branch), I can definitely say that the Branch does in fact have the ability to manually override a credit card application denial and approve the card.

However, if a branch does this, then for the entire life of the account that branch is held liable for that account. Meaning if the branch approves you for a $500 credit line, and 10 years later it is raised to. $20,000 via credit line increases outside of the branch, and then the account gets charged off with a $20,000 balance, that branch takes a direct hit for the full $20,000 to their P&L.

Without a very significant banking/other relationship, that is something a branch simply won't do. In 3 years of working in a branch, we did it once. And that was the day I learned it was even possible.