When applying for a credit card, especially a business card, there are often some verifications questions necessary to clear up before getting approved. TwelveBall reports applying for an American Express business card and getting a pending message on the application. Interestingly, on the very same page, there was an option to chat and take care of the verifications right there without having to call in.
Cool new feature, keep an eye out when getting a pending approval message. I don’t know if the chat feature will work for when they are considering whether to approve the application – it’s likely just for situations when verification is needed.