Hmmm... ok. The antidote I shared is when I was hanging out with the mortgage folks. I assumed it was applied to the credit card division. It is surely possible, and an acceptable solution.

The mortgage bit is the key there. Red-lining started out as a phenomena in mortgage offerings, so it makes sense that they'd be going over and above to keep their noses clean. Credit cards as a general thing though? Nah. Though I'd be stoked to see that change in the years to come.