I think they are trying to avoid paying out rewards on the Cash+. They did something similiar to me. I am trying to get it PC'd to Cash+, but it is a lengthy process.
Your 4.5k limit very much tells me they were just trying to deny you the rewards of the Cash+. If you would have gotten a $5k limit, it would have been Cash+. Maybe it is a costly product that they are trying to limit.
They denied my application for the Cash+, but sent me the Cash Rewards instead...with a $6.5K limit.
From what I understand, you need at least a $5K limit to qualify for a Visa Signature, so I don't understand why they would deny me the Cash+ but still approve me for another card with such a high limit.
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