Strange and true data points. So I called the General CSR number and found out that my accounts are not linked online because I had legally change my name last year, and it causes a problem with your account linking to the online platform. however, the Fairmont visa Initially went to lending, and they stated I had reached the internal limit, And I asked if they could take 5000 from my IHG®. They agreed, then it went to verification. They told me to call back on Monday. Well my IHG® has the same limit that started with and my Fairmont has a 5k cl! I guess the two steps of lending first then verification threw a wrench in the internal limit. Lucky me