Quick Update - I decided to go ahead and apply. I was approved with a $3000 starting limit. The interest rate had changed from a single rate to a narrow range (19.9% -23.9%), but it still said "personalized offer". The previous single rate was 23.9%. I won't know what the rate actually was until I get the card.
Another update. Got my card. The rate ended up being 20.9%. Not great, but better than the 23.9%
Thank you for this post! I went from always seeing 'we don't have any offers for you' to this screen today, so I must be moving up! I was wondering what it meant, so I will wait, as mine is the generic offer.
