I haven't seen any actual evidence other than his single datapoint of him vs. his wife's experience. Of course its possible that the algorithm is designed to gi

I haven't seen any actual evidence other than his single datapoint of him vs. his wife's experience. Of course its possible that the algorithm is designed to give lower credit limits to women, but I find it unlikely. My wife and I have applied for dozens of cards over the past 10+ years and I've consistently found that once you're score is above some reasonable threshold, the biggest predictor of what credit limit you will be offered are the credit limits on the OTHER credit cards reporting to your report. Maybe he already has much higher limits on other cards? I started using credit cards a few years before my wife, and despite us both having excellent credit the first time she started applying for cards she was getting limits around $1K or $2K while at that point I was around 10x that. But after a few years of getting more cards and requesting limit increases, both of us now have roughly the same (fairly ridiculous) limits across all of our cards. Admittedly I don't have any cards issued by Goldman Sachs bank, but I can't imagine their algorithm would be much different than Amex, Citi, Chase, etc.