Yes, Chase has indeed made the “approval notification” process inaccurate and unnecessarily complicated. There are many datapoints of what should be called “modified instant approval”, whereby the last application webpage states something to the effect of “pending further review” but the new account is present online as soon as one can login to their account and a “congratulations” email is received 2 minutes later. Quite annoying .

(Just realized as I wrote this that “modified instant approval” is another phase for which the acronym is “mia” which most commonly is Miami airport but to me is “missing in action” and absolutely should not imply any disrespect to our esteemed moderator . Perhaps a different term is appropriate, maybe (from Chase’s spin doctor point of view) “improved instant approval” or maybe “adjusted instant approval”. )