Chase Online Credit Card Application response?
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I had a similar experience with Washington Mutual. They said that a credit card application could be approved in as little as 30 seconds. However, when I applied they told me that a decision would be sent in the mail. I thought it meant I was declined, but about 2 weeks later I received my card in the mail. Also remember that if you are declined you have the right to receive a free copy of your credit report. They will instruct you on how to obtain this in the letter they send you.