It does seem like an odd course of action, but mass market companies are not noted for individualized decision making. I don't know how risk tolerant Barclays (USA) culture is. If the algorithm says "No", someone would have to take responsibility for saying "Yes".

I am not persuaded that TTT103 using a Barclays Business card for reimbursable business expenses would have produced a different outcome. Business cards are issued to individuals, and the same discrepancy between income and expenses would still have been apparent.