FICO scores don’t add up

Let’s say you apply for a credit card, you are approved for $5000 with a 24.9% interest rate. And you have a 720 credit score.<br><br>Then you apply for a different card, with you having an 820 credit score, you are approved for $20000 with a 16.9% interest rate. <br><br>My question to you is..if you had a 720 score and they approved you for a $5000 credit line with a 24.9% interest rate, then why would they give you a $20000 credit line with a 16.9% interest rate when you have a score of 820? <br><br>Does the 100 point difference on your credit score really make the bank trust you that much more? If they thought you’d be trustworthy enough to give you $5000 @ 24.9%, why not $20000 @ 24.9%? Is there some unknown factor that’s also considered?