I want to provide some info on my progress along with some data points that could help future applicants with thin files.
-Location: Atlanta, GA
-Active Account Types: 2 credit cards opened / 1 credit builder loan opened ($500)
-Total Credit Limit: $5200 (Discover - $2200 / USAA - $3000)
-2 Baddies that has been paid off (about 3-4 yrs old)
-Counting this application puts me at 3/24
After about a year of credit rebuilding (dec 17' fico - 546).. I finally pulled the trigger and applied today through Chase Portal since I'm a Premier Checkings/Savings customer.. all I had to do was enter in my income in order to submit the app. Got an alert immediately and Chase pulled Exp which had a Fico8 score of 695. Obviously not an instant approval.. I then recieved an email saying, "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible. Thanks for choosing Chase." Shortly after I called the recon line and got a robo lady saying that I should hear back in 30 days. As of 12/17/18.. this is my current status and will keep everyone posted.
It's probably they need more time reviewing, or they may need more information from you. I know someone else with a relatively thin file and applied for Freedom and got pending too, but was approved after simply waiting it out, so good luck on your app.
Update: Applied on Dec 17, 2018. 30day message via robo lady. Checked everyday and this morning it changed to 7-10day message. I called recon line and they needed security verification. After that was done, the lady was very nice and said thank you, and " I will be submitting your application for approval ". She came back 2 minutes later and said I got approved with a CL of $2500. I guess 30day -> 7-10days isn't always a bad thing! The whole call took less than 5 mins. What a great way to start 2019! Cheers everyone!