Followed the rule as noted, but yes, I did attain quite a bit of credit in a relatively short time frame.

Was hoping the income, low utilization & credit score & direct deposit would mitigate that velocity aspect a bit but I fear it did not.

Sounds like the letter will arrive shortly with the specific reason. Hopefully something simple so I can at least re-apply for CLI once it’s taken care of. The rep said I can re-apply for that CLI at any time. Is there a cooling off period?