jackbauer, I agree to the general logic.
However, I can also foresee what response you would get. They will just tell you the official info. These phone agents are generally been given a predetermined script and are not allowed the liberty of making judgement calls. Even if the minimum credit limit is 50k and your salary is 49950, they have to say you are not eligible 90% (minimum) of the time over the phone. You might or might not have better luck if dealing with an actual person at a branch.
So I see a few options, try your luck and apply regardless, OR try calling and asking, OR walk into a branch and apply.
Good luck. Sorry if my comments were not the most helpful.