> when they've ended up speaking to higher and higher up people in the various organisations that they literally don't know why the algorithm decided the way it

> when they've ended up speaking to higher and higher up people in the various organisations that they literally don't know why the algorithm decided the way it did? I don’t think it’s really fair to expect a C-level exec to know the low-level details of how creditworthiness is determined. I’m sure they can paint in broad strokes, but expecting a detailed answer for why a specific person got approved for a certain amount is a bit of a reach. In the case of Woz having a higher limit than his wife, I’m sure it boils down to the usual stuff like, oh I don’t know, not being a cofounder of a massively successful corporation and therefore being filthy rich for the last 30+ years. There might very well be a case to be made here but not likely between two people who are so very different in financial terms (or were for most of their lives). Your credit score isn’t something that changes the instant you get married to someone who’s rich.