My daughter had 3 AU TL's only (actually I guess she had 4 with an AU from Old Navy on DW account).
She app'ed CapOne and got an INSTANT approval for $1000 Reward MC. This was her 1st individual account.
The next month I recommended NFCU. She app'ed and got an INSTANT approval for $8000 platinum visa. This is her second individual account.
She is going to possibly apply at PSECU next since they seem to have NFCU-ish lending standards (though possibly not as generous in the CL's - $20k is their max limit). And they pull EX, which is helpful since EQ got hit by CapOne and NFCU and EX only has CapOne.