I always get rejected when applying for Chase cards however they always change their decision when I call the consideration line. Once I was rejected because of a "high balance compared to the credit line" which they were referring to the Amex plat. Amex plat always shows as 100% credit utilization for some reason because it doesn't have a credit limit.

I recommend calling reconsideration and being prepared to answer some of their questions and explain why you need the card (never mention the signup bonus).