(https://www.marketwatch.com/story/i-wanted-to-transfer-17-000-in-credit-card-debt-why-did-wells-fargo-offer-me-only-a-4-000-credit-limit-7ad0a3f0?mod=mw_rss_topstories) to a customer trying to transfer $17K in debt and only offered a $4K limit. This isn't policy drift—it's panic. When a megabank can't explain its own lending decisions to customers with clean credit profiles, you're watching real-time balance sheet stress leak through the cracks.

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