Maybe things have changed but Chase I believe is instant approval for F-off. At least from my experience. I have a credit watch on my account my past fraud requiring a phone call to prove I was the one who applied. IMO this was why I was denied. They weren't set up/couldn't be bothered to call. And this was early in my churning activities so no reason to deny me. The only other denial was my 3rd CIBC Aerobiz... got greedy there...lol