You probably already know this, but making financial decisions based on emotion is usually not a good strategy. You did well in not closing your own accounts with Chase (and you shouldn't just b/c of this isolated unpleasant interaction). From experience in helping family members in similar situations with Chase (with similar results), I've learned that Chase doesn't like to be be the first one to "jump in the pool." I've had agents tell me that they would like to see the individual that I was trying to help get additional history with other issuers first and then come back in 6-12 months and try again with Chase. I'd recommend that your daughter perhaps try applying with someone else like Wells Fargo for example since they seem to be willing to extend credit more freely to make up for past indiscretions (check out their Propel or Cash Wise no-fee products). Credit card forums or others can/would probably provide better advice on other products that are better suited for someone with a limited history, but I would just say that this is just a temporary setback with Chase and your daughter should be able to build that history and try again in the not so distant future.