They manually review each app and each app is put before a "panel" for approval.

I base this information from some emails that I have exchanged with NFCU recently.

Congrats on the approval. Was this a secured or unsecured app?

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Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 642 EQ 658 FICO 5/13/2013 EXP 657
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC; Chase Freedom $500
Goal Score: 700 across the board.
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