said by swintec:
That is Chases way of telling you you were not instantly approved for some reason and they are taking a closer look at your credit profile in order to make a decision one way or another.
In most cases, people are approved once you click submit on the app and then the card is mailed out shortly after.
They did not like something on your credit or app so they are having it manually reviewed by a credit analyst.
got declined for a bestbuy card but still got a card in the mail for 1800.