Application DP:

Applied for Ink Cash on 10/7. Currently at 4/24, including CSP from 2/25 & Southwest Plus 11/23. Currently have Ink Unlimited and had recently closed Ink Cash (14 days) & Ink Preferred (40 days). Only HP on Experian in past 12 months was for CSP on 2/25. Got a letter dated 10/7 stating not approved because of "insufficient credit information". Credit Score: 846. (My Experian report looks to have plenty of information.) Called Recon before receiving this letter and was told I could not speak to anyone then but I could request a callback in 1-3 days, which I did. Callback rep was incapable of making decisions. Sounded to be coming in from overseas and just told me Chase would not be approving me, the decision was final and I had the option to reapply at any time.

Is this it? I have always been able to speak to an underwriter or someone capable of making decisions when I've asked in the past (re-eval success was probably 70-30)