Cap1 is all computer processed. Whatever the higher ups want for the programmer to put in the server. No one can over rule it. Cap1 like many other banks come up with some makes no sense verbage to say no ticket for you just yet. Just like my last $2200 SP CLI with Disco. Week before was the unsufficent blah blah responce. Cap1 has been changing since 2015. They've tighten things up a bit. But at least its a SP and you can try again until it hits.
You can try once a week or after staement cuts. There hasnt been a pinpoint DP of when is the best time. Like I said back in 2015-16. Things were much easier to get CLI's and approvals. Times change and we have to live with it. It is what it is.