the problem with pending is that if you did a 3bm then the first one or 2 you got approved for is one credit check, and the pending one is checked a day later.
i got denied my last one, so iwalked into a chase bank today and sat down with a banker. told him i want 3 cards to diversify my miles and that if he can make a call or two and get me approved, i would open a checking account on the spot.
he called, i got approved, i walked across the street to citi, took some money out, opened a new checking and got a $125 bonus. whole thing took me an 45min and i got 30k CO miles and $125. not a bad day