And the whole culture here is to encourage people to apply, and to congratulate them on approvals and CLIs.  And a lot of the time, these are people who are rebuilding after credit troubles.   Probably we should be asking "Do you need that card/CLI or is it going to get you into trouble?"

A little like an AA site where people post "I managed to get served today.   I asked for a triple, they said no, but gave me a double."  "Oh, congratulations!"

OK, a little extreme, but....