I wish I had specifics @growthadvocate as it was one of those cursory threads when going through the "Credit Applications" thread. You may want to search in there for "approved then declined"
There were only a few specifics and I want to say it was more related to CU's than Banks. Again, sorry that I didn't notate it as I am not in the market for a BT. Essentially, what people had stated was they were "approved" when going online to apply for a card...usually a pre-qualified link...and then when it was time to accept the offer, they initiated and when they had the option of entering BT info for other accounts...after they hit submit it would transfer to "pending approval" and then in the end, some got a decline. It may have been the result of the bank not wanting to provide only so much credit and then have it maxed out with a BT from other debt.
Since I've read this a few times and if it were me, I would find a card that offers the BT that you're looking for...but when you're applying....go through the process, complete the approval and get the account open. Once it's open and you have the card in hand, I would then log back in to your account online and initiate the BT. Most of these offers do not require you to enter all the data at the time of application. You would qualify for a BT at a specific time and rate but it's not imperrative that you enter all that during the moment of applying.
Lastly, if it's an option for her...if she has existing accounts with another bank and she's got solid credit, it may be worth exploring a BT with an existing bank she has a relationship with. With a lot of my accounts, their are typically "Offers" that are displayed online and that may be a good approach.
