It has to do with if they have a relatively recent pull to consider, otherwise they may want a fresh pull.
It's often SP but varies, so be prepared, especially if are unwilling to risk a HP.
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
