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I haven’t seen this on my card, but it’s fairly new.
Must have a cap of 20k on it as my CL is higher. What it looks like though
When Chase sent their notices about Chase Loan, my APR looked like payday loan. They will throw money at me, but if they could set my APR in three digits, they would.
I PC'ed my Diamond Preferred to a Double Cash thinking it might make some of these more interesting options appear, but it never happened... I've never even had an offer for a BT other than the initial offer than came when the card was first opened.
They continue to give me decent SP CLIs every six months even with nearly no usage, though, so I keep it around to keep my options open for later on.