That's not how it works in the US currently. You go through that process to get your first credit card, yes, but you do not get approved for $40k. My first card

That's not how it works in the US currently. You go through that process to get your first credit card, yes, but you do not get approved for $40k. My first card was $500. My best one now (with excellent credit score) is $5k IIRC. If you got approved for $40k, there's something else funny going on.