Always tough to guess underwriting policies from outside the building but I think that increasingly good, integrated IT systems and faster decision loops is causing some banks to try to get cozier with some customers than previously.
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I assume that part of the calculus is "Well if we give you $20k on Card C that doesn't *really* commit us to an extra $20k of risk because if you were to saturate your limit on Card A then we'd dynamically lower limits on C before you were able to type in B's digits to borrow."
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Really interesting anti-fraud loop, too: they sent me an email saying "Log into your online account, go to screen Foo, then read the letter." which said "Call this number." Rep asked for reference number from the letter; that was basically it on the auth/auth for application.
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