I had around $50k credit across 4 different chase credit cards and when I applied for the CSR I didn't get an instant approval. Had to call in and found that they need to transfer credit line from one of my other credit cards in order to approve it.I ended up applying for the Sapphire Reserved on the 8th and had instant approval for 35k. I called and told them I was traveling and I had the card on the 10th. I actually also got the Chase Freedom Unlimited on the same day and did the same thing. I've had the same 3 CC for well over 10 years and I didn't have any 5/24 issues and I have no debt.