I've heard that since it was Even More Plus. The credit line is for everything combined, you can't separate them out. No idea if that's the truth, but they have been consistent in telling me that. If you were lied to, that really sucks and, IMO, they should try to do something for you. No idea what, but they could offer something.
Not much help, but at least confirming what they are telling you now anyway.
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