How does an instant approval work at a branch? Does the teller just say "congrats, you've been approved"? Also, has anyone gotten approves for this card after the 10 day notice? I seem to recall that most or all have been instants? I could be wrong.

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Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800

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