Just sharing my 5/24 story, for those who are way over 5/24, to know that you should never give up!
i'm way over 5/24, (i think 12-15 new accounts...) applied in a chase branch (with bank manager) last week Thursday, with pre approved offer.
got pending message at first.
I called the recon line every day since, but was still pending, not approved nor denied, just pending.
Called again today, and rep approved me B"h on the spot for $13,000.
G'luck