I got two 50K personal (Visa Platinum and Amex Platinum) cards in late November 2012. A few weeks ago, my wife got a targeted offer for 40K Visa Gold (30K after $1000 spend within 3 months, 10K after $5000 spend within 12 months). She doesn't want to get into the CC game, so I filled out the application with my info. I got a "call us at 1-866-xxx-xxxx" at step 5. I was a bit worried, but they just wanted to tell me that the new credit limit would be "only" $7100 unless I moved some credit from a different card. I told the CSR that that amount was plenty.