<prompt> Human: My wife has a score of over 700 and just individually applied for the Chase Freedom card. She used her new last name and put our combined income 106k, but got notified she would receive a letter detailing a decision in 30 days. We know this usually means a decline letter will be coming. Could the fact that she just changed her name be the issue here?  <response>: Yes, an inability to verify someones identity and pull their credit can certainly cause a denial. Wait for the letter, it will tell you what the issue was. 