So in order to be approved for a Visa Infinite card you must be able to qualify for at a $10k credit line. It's supposed to be $5k minimum for a Visa Signature but banks have been flouting that rule for quite some time but I digress. If your profile doesn't support a limit of $10k, but you can be approved for say $7.5k then your Visa Infinite card application is automatically denied because you didn't meet that $10k minimum that is required by Visa themselves to be approved.
What you have here is a similar situation, the program requires you to be able to qualify for a certain amount of credit in order to be approved at all. Essentially the denial reason is saying that whatever that number is, your profile didn't support that minimum based on their UW criteria. Whatever that criteria is today.
The fact that you were able to be approved for the BB card with a $5k limit suggest that the underwriting criteria are different for these products and not much else unfortunately. Honestly I think the BB card route was the better way to go personally.
8/22/24
3/09/25