I just got instantly approved for the Ritz with a $21k CL. ~3 months of Credit History with paying off each statement in full. Have a $10k Amex Limit, and a 758 Credit Score! I believe the high income helped me with the acceptance!
Congrats... I assume you must of been an AU user on other cards as 3 months credit history and an Amex limit with that amount and that FICO score along with the appoval limit Chae gave you sounds a bit unrealistic. Income doesn't really matter with Chase especially with a thin profile. However it worked out I am glad though.
Glad you got approved though!