I suspect that they don't give out large CLs to new customers. Per say If I get a 5K cl I'd probably do 80% of it, 4K, which is pretty good. however if you get a 2 or 3K CL. I don't know if it's worth the pull, if no bonus...

though, if WF is getting in the CC business to gain market share, you might as well get started with WF and be in line for future offers...