Droopydog, it could be due to that (an alert being placed on your credit file). I had a similar thing happen with me @Chase, and when I called the recon line they asked me if I had ever been a victim of ID theft. I was one of many victims of the OPM data breach and they gave us credit monitoring to prevent any ID thefts. Once I gave them all the answers they needed to prove my identity, I was approved.
Starting Score: 784
I want to thank everyone for their input (and patience). I called on Monday to see if I could speak with someone in the credit department but grew impatient with the auto system and hung up. Called on a whim today because I'm still freaked out by the whole thing and this time followed the prompts and was able to speak to someone.
Seems the macy's/citiback credit department just completely butchered my application. Apparently I was not denied, but someone was supposed to have called me on Monday to verify my identity. They didn't, and the person I spoke to today was not sure why. She offered to push my application through and I was ready to tell them to forget it, since the main reason for applying was to take advantage of the large discounts to buy some duds for the wife and I for a gala that takes place tomorrow. Oops.
Ended up going through with it and was approved for 10k. Now I am wondering whether I should run in and buy the clothes and look for emergency alterations? Of course, I have something to wear tomorrow but it doesn't go with what my wife is wearing (so she tells me).
Priorities people 
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Thanks again everyone.
Fantastic! Nice sl
As OP has now been approved this thread is closed to further comments. OP is free to create a new thread in approvals if so desired.
