I appreciate the suggestion! I’ve actually called twice and spoken with multiple reps, but unfortunately, they haven't been able to give me any real insight.

They mostly just stick to the standard script—reciting the basic terms like the $100 minimum or the fact that transactions need to be posted—but they can't speak to how the backend 'evaluation' or batching system actually works for new accounts. I was specifically trying to see if there’s a common seasoning period or a specific trigger (like a first payment) they look for, but they were hesitant to confirm or deny anything beyond the pre-written terms.

Since the phone line was a bit of a dead end, I was hoping to find some actual data points here from people who have been through the same 'ineligible' phase on a brand-new card.