A big thank you too all of you helped answer my questions (and everyone else's discussion--I've been reading for a couple months)!
I was approved for CIC today!
I applied yesterday morning, got the 30 day message, and this morning had an approval message and got my card expedited. Should be here tomorrow by noon! I was super nervous to apply for a business card because I only have a borderline business, but all this discussion pushed me over the edge, so thanks!
DP on lowering limits: I lowered my Chase limits by 40k 8 days before I applied, but it hadn't updated in the chase credit score feature or my creditkarma. Based on that and the credit limit I was given on the CIC, I would also think it hadn't been updated in chase's system. I was just too impatient to wait any longer!