I have had NFCU as my only bank since 2015. I currently have a GoRewards card that I got in 2016 (SL 5200) and requested a CLI to 6500 on 7/3/18 that was same day approved. For both my auto refi and this card they pulled EQ which for me us typically the worst one. Today I applied for the AMEX and got instantly approved for 15K. It did a hard pull on my TU and it dropped 2 points. Today my FICO 8 scores are EQ 654 TU 702 EX 699. Not entirely sure what TU score they used, but I will update when I get the letter. I hope this helps anyone like me that is a nervous wreck when it comes to HP. Oh I was also approved for a CLI of 300 on my Discover 3 days ago so this week has been pretty eventful.