I am trying to be detailed so to give a clear picture to the readers when it comes to determine profitability to Chase or such.

Did the UA Explorer 55/5/$50 around noon. As expected, got a deferred screen without reference number as I am at the range of maxing out total exposure with Chase. (it would change in a few months but right now I want to keep all my cards - Freedom, IHG, Marriott, UA Biz, Ink Plus, Ink Cash, total 56.9K line. Unfortunately cannot wait till Jul or Aug given this offer expires today or soon after.)

Called recon around 3:30pm. Preempted the rep that I always seemed to need to reallocate line whenever I wanted a good card from Chase. Rep pulled up app via SSN. He agreed reallocation line was needed - whichever way I want - I could either do it by swapping a card out or moving line from another card, but he said it needed to be personal to personal, and preferred taking it from one card.

NO MENTIONING OF ANYTHING about new accounts nor the existing UA Biz card.

Let him take 5K from a 15K Freedom to open UA for 5K. He said to give him a few minutes to see how it went. Presumably whether it needed further review or not. Fortunately he came back quickly and said everything was done, Freedom is reduced to 10K and UA gets the 5K. I did not see the Freedom line went down even logged out and logged back in so I asked. He said it would be updated and I would see the UA card in 2 days.

I took the opportunity to ask the rep, would it be better for me to trim some of my unneeded credit lines so I dont have to go thru the recon process each time applying a Chase card. The Rep said ABSOLUTELY. He told me I can call customer service to lower the CL. (We all know that.) So there, another data point on actively manage one's CL.
Just of note, an FTer friend got her UA card instantly approved for a very high CL, after she took my advice to trim out 2 existing cards leaving 3 cards open and lowered the total CL down to below 30K. She has over 12 new accounts in 2014 and 5 or 6 new accounts in 2015. She has since lowered the new UA card CL to 1/2 at activation in preparation for a Marriott or Hyatt couple months down the road.

Logged back Chase online 5 min after hang up - UA card already shows up online!

Low usage of my Chase cards. Ink Plus is used the most but still only about 12K in 2014 and less than 1K in 2015. UA Biz is used for dining on international trips. Freedom the usual quarterly categories only when possible. (this quarter's restaurant spend is downright miserable given we would never spend 500/month in restaurants, coupled the fact we were out of the country for 40 days, making spend on Freedom less than $50 this quarter so far). IHG saw one single hotel stay in Mar that I had to request the extra bonus because the franchise in Turkey did not bill in Crowne Plaza name. Marriott only has 2 dinings on it in 2015.

However, Freedom is 7 years old. IHG is 5 years old. Ink Cash 3 years old.

Both UA Biz (close to 2nd anniversary) and Ink Plus (just saw the 1st anniversary fee billed) have gotten statement credits to offset 2nd year AF on first call. Paid the $49 on IHG and it is on its 4th year. Remains to be seen if there is any retention on Marriott, else the card goes out.

Have both personal and biz checking accounts both with low balances though. They were opened under 25K CO promotions several years ago with easy to do task to avoid monthly fee so I keep them, despite it also means missing out the sign up bonus on checking account that seems like $200 every year. Also have a saving account opened on a $175 bonus back in Feb.

9 new accounts in 2014, 2 from Chase (Marriott personal and Ink Plus, applied on same day end of May 2014 - Marriott required recon, Ink Plus showed up without me doing anything though Chase took 5K from Freedom to make Ink Plus a 10K card).

2 new accounts in Apr 2015 both are BofA AS cards for a total CL of 20K.

Obviously I hardly am a profitable customer to Chase, but a rather average stable customer with some history.