I made a rookie mistake, now I need advice for my next step. I applied for CIP #2 for me and DW on May 1st. My app was instantly approved (despite Chase's fraud concerns when I previously applied much too soon on 3/1/19). Unfortunately, I forgot to lower my wife's Chase credit limits. Her 1st CIP was on 2/1/19. Her denial letter mentions too much credit from Chase, and mentions her recent CIP application on 2/1.
I have already lowered the limit on her first CIP. I don't feel good about asking her to explain her need for a second CIP to Recon, especially on Mother's Day. I think I should wait and reapply on 6/1, though it will mess up my plans to pay college tuition in August. Any other suggestions?