We both laughed about this because recently she was turned down for a credit limit increase on her $200 MBNA Visa because of "insufficient credit references." Her credit history should be perfect (we haven't looked, and you know what the CRAs can do), but it's short and limited. It's mainly a handful of retail cards; the oldest goes back about a year, and her highest limit is $800. Her only bankcard is the MBNA Visa. So, why is she getting this? (We're not even sure her income would qualify her for a gold card.) A preapproved green card offer we could understand ... but gold? Is there anyway she could use this to get a limit increase from MBNA?