I applied in person at a branch this morning. I was pre-approved for the card (banker told me that without asking), but my application still went to pending. The banker, and the person I just spoke to on the recon line, told me that it probably has to do with address verification (which I don't fully understand; I am a current Chase banking and credit customer and they have my current address on all my accounts). They said I would get a letter in the mail, and the recon person said he was not able to access the application to give me any more information. I'm thinking I may try to call back again this afternoon.

I am at 3/24, 755 credit score, $53,000 aggregate credit line from Chase right now (across 3 cards, only 2 of which I use), $98,000 total credit line including Amex and Citi, and $310k income. Not sure why I wouldn't have been auto-approved given the pre-approval, sub-5/24, and plenty of income to cover additional credit.