1st Chase card instant approval for a toy CL
2nd card at 14 months instant
3rd card at 19 months instant
4th card at 23 or 24 months...PENDING...but ultimately approved with no further information needed after about 10 days. I dont recall if I got a 10 day/2 week/30 day or whatever message.
5th card at 4.5 years instant
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select