I applied for a Chase card online, got the 10 day response. In 10 days I was given a denial letter. So I sent them a recon.
Got a new letter from Chase:
You are still denied because: "Balances are too high compared to credit limits and You have too many active accounts or too much available credit."
So I have too much available credit AND I have used too much of my balances reducing my available credit. LOL. Kidding, I understand their point. I'm still sad though...they should have been honest and told me that I was denied because my last mortgage payment was 28 days late.