DW was just approved for her second NFCU card with a SL of $15,000. Her first card being a Cash Rewards SL $500 and after 3 statements cut she applied and was approved. First couple of statements about 50% of CL was being utilized then on the 3rd statement we paid it down to $8. Scores are in low to mid 600s upon approval. All they needed was our POI then it was approved.