Pretty sure this is definitely true. When I first applied when my credit wasn’t necessarily great but I was approved for a Amex gold and a blue cash card. On the blue cash card my credit limit was only $500 while on the charge card I was able to charge around $2500 in the first month before Amex called and suggested that I send in a payment. The months thereafter my spend had been at roughly ~$11,000 per month without any problems but my credit limit remained at $500 on my blue cash card.