I just applied for the AirTran Visa from Chase. I want to take advantage of the sign up bonus before the merger takes place and this card is gone for good! I was not instantly approved. I got the "it can take up to 30 days" bit. Here are my stats: Credit score is around 760 - 780 between all three bureaus (checked before I applied) I applied for the Amex prg a month ago (no other inquiries before this in last six months) Have a current balance of $5,000 (just bought a pool and booked a week at sandals) on my Amex prg Credit with Chase: $20,000 UA Visa $10,000 Freedom Visa $7,500 Freedom Visa $7,500 Amazon Visa Zero balances on each I'm trying to figure out if I should have paid off the balance in full before I call or if i have too much credit with Chase. I just put the $5000 on the Amex a week ago, but I bank with Chase and have plenty in checking to pay off the revolving balance. If it's the total amount of credit, has anyone had success in having chase lower a line or two to acquire a new one?