Needed backstory, I recently got approved for the United Explorer card just last week seen on this thread: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/7-200-United-Explorer-Approval/m-p/6690610
The only real thing I was waiting for at that point was an 80k+ Sapphire Preferred bonus which I found online and I was dared into applied so I did and originally just said thanks for applied on July 1st without decline, 7-10 message or 30 day message. (all datapoints and my personal notes are attached below). At first, it was declined for a fraud alert on July 4th, I talked with Verification department and got everything moving again. Needless to say, I was debating at times to just call in and ask to move limits around to get it approved but I looked at the thread on Chase 2 week pending notices and everyone recommending to just wait it out, I even thought to just tell them to move credit lines over for the approval but I was patient as others on the forum before me.
Eventually, to my complete shock I was actually approved given EVERYTHING on my profile with account ages, 5/24 even if AMEX BCP and United aren't reporting I am at 7/24 with AU, 5/24 without AU and Chase knows it is actually 6/24 without AU cause they just approved the United explorer card. To more surprise, they did not reallocate any limits and instead extended MORE CREDIT! TCL is now $16,600 on $24,000 income, only $3 balance between the other Chase cards. I am attaching a photo for proof as is obviously needed for this type of thing. Newest card was just today updated to be the BCP but the HP from Chase was from a couple of days ago. Locked out of apps for a good year but will also have free flights in the meantime (and the 48 month Sapphire clock is now rolling for when I graduate college).
I hope this is a lesson to others on MyFico for 1. Don't do this (although obviously I did) 2. Don't ever talk to lending just like people here have warned before, there is NO WAY, I would have been approved with lending scrutinizing my application since they would have looked into my recent approval 3. Don't talk to lending if it is pending 2 week (reiterated)
FULL DATA POINTS AND NOTES BELOW:
Applied on July 1st with a "Thanks for applying, we'll get back to you soon" message, I forget the exact wording, I'll see if I can find a screenshot I took.
Call back on July 2nd (heard 2 week message)
Verification: (July 3rd…)
- 1-2 weeks…. (internally shows 1-2 weeks), no decision yet and no verification needed
July 4th, a new letter shows up in the Chase app about Fraud/Verification which is why they declined the application.
Called July 4th about fraud and verified it was me applying
July 5th, called in and heard 2 week message again …
July 6th called in heard 2 week message and continued to verification and was told the app showed up as sent through July 4th
Went in branch, they said they couldn’t see or do anything on the application unless it was done in branch.
~2:30pm EST July 6th got Chase email saying it was approved and it showed up in the app. I called in and they put in expeditied shipping.
All in all, a surprise application and now I will be getting the SUB with this and the United Explorer card as I pay tuition (and of course, pay the card off right after). I wanted to give all this to be as transparent as possible and give information to other after me that whatever you think may not get approved, you never know until you try (and possibly fail along the way).
Congrats!
Wow!! Super congrats on your approval! 🎉
Also thank you as always for all the DPs, I've kept my bureaus on ice, but the SUB on the Bonvoy suite of cards on both the Chase and AmEx side is looking way lucrative right now, plus I've opened some deposits with Chase to appease them 
(AmEx approved Bonvoy Brilliant through the apply with confidence tool, but I decided not to complete the application, so will have to think about that one too)
With the additional $5k, and more datapoints I've read from BBS, seems like the 50% income lending cap I had referenced earlier might be a myth, which is great news, especially considering lower student incomes, etc. Congrats again! 🥐
Congratulations on an awesome Chase Sapphire Preferred approval, @Mones! 
And thanks very much for taking the time to share all the data points. I posted a cross-reference to the recent thread where we discussed >TCL data points with AMEX and Chase< and referenced your approval, if you don't mind. Even though you were bending the rules all-around, well done! Enjoy that Sapphire!
@everest wrote:... seems like the 50% income lending cap I had referenced earlier might be a myth, which is great news, especially considering lower student incomes, etc
Not so much a myth as much as it's not a hard-and-fast rule that always applies, @everest. For the "average" consumer profile, the 40% to 50% of income still applies as a general rule-of-thumb. However, it seems there can be outliers on both ends of that range. We were recently discussing this in the >AMEX/Chase TCL thread<. In my case, TCL as a percentage of income dropped to around 30% as my income rose, although I had previously been in that 40% to 50% range. (Spending on my cards remained static and didn't climb in relation, so that might have had some impact.) Meanwhile, other members reported exceeding 50%, typically with lower incomes, Chase relationship, and good or better FICO. YMMV.
@Aim_High wrote:
@everest wrote:... seems like the 50% income lending cap I had referenced earlier might be a myth, which is great news, especially considering lower student incomes, etc
However, it seems there can be outliers on both ends of that range. We were recently discussing this in the >AMEX/Chase TCL thread<.
Very interesting! Thank you, @Aim_High!! I'll be sure to read the AmEx/Chase TCL thread, so many valuable datapoints and discussion! 🥐
Congrats! E!
Never Give Up!!
Yeah no problem. I do think my deposits with Chase helped (probably, maybe?). Just make sure to make the apps worth it in the long run as well, all the cards I have right now are keeper cards to either keep the same one or downgrade (Premier -> Custom Cash and maybe CSP -> CFU after 4 years).
I'm not sure what BBS is but yeah, the 50% lending cap is common for average profile but student income with 700+ scores isn't common and people with 200-300k+ TCL also isn't common which is why they are outliers.