this is one of the worst major applications on the market today. I suppose its an accurate representation of Chase and JP as a whole. I have accounts with quite a few of the major lenders (Chase, Amex, Discover, Capital One, Barclays) and have managed all of them, for years. I can say with absolute certainty that Chase is- by far, the worst experience of the bunch, and especially so in the customer service department. Chase does not care about you, at all. This I promise. Find a different lender