I have 2 INKS, a biz IHG card, and 3 Freedom cards.
I'm below 5/24 esp removing 2 AMEX AU.

I have been auto declined probably 3-4 times over the past 6 months. This was never the case before as my credit is better than my wife's etc. She's got a INK every 2-3 months now.

Called recon today, they think its due to 5/24 and we went down the list of cards and open dates on experian and we flagged which are AU. She asked questions about type of biz, expected profits and rev. where do you buy and where you sell (flipping). Is this your FT job, where do you work and reconfirm total income. etc.

She said dont worry about the wrong structure note as she dont know why it pops up now. All submitted. She said give it 2 days for final decision.

Fingers crossed.

I was really thinking Chase maybe blacklisting me. Let see.