For me I applied last Friday and was approved on Wednesday after doing an address verification. I had closed on a house on the day I opened my NFCU account and applied for the card. So I had to prove the new house was my address. I was approved for 5K Visa Sig Cash rewards which I feel is pretty dang good considering I have a BK discharged in March of 09. I have since applied for a LOC and had to provide the same information today so I am awaiting the answer on the LOC.

Good luck to you!