I am in garden for next 2 years but I can't resist this card. So I told my wife to apply for this card and add me as a AU 
It was instant approval for $17.5K apr 14.49%
I am not sure about her EQ fico8 or nextgen score but CK shows 730 no baddies at all. 2inq for last 1 year and 0 for last 6 monts.AAoA aorund 2.5 yrs
***update*** letter from penfed shows EQ score 752 I guess that's nextgen not fico8?
Superb approval! Thats one way to make the garden work for you