Originally Posted by Happy

Husband got the written letter - not surprisingly the instant denial is due to the existing Aviator (converted from US Airway's card from 2013)

"Our records show that you've already established the maximum allowable number of this product with us. Please let us know immediately if you did not apply for or receive this product previously."

"A credit bureau report was not used in making this determination."

Shoulda/coulda apply a couple months ago when it was possible but we were holding off trying to go under Chase 5/24... once Aug passed... C'est la Vie.

He did get an A+ instant approval before trying for the Aviator 15 min later.