Granddaughter just turned 18 on Tuesday 12/3. She has had a Campus Checking with NFCU since she was 14 and working since she was 16. Her direct deposits have always went into her Campus Checking with modest spending. We removed ourselves as joint owner on her accounts yesterday. I previously had added her as an authorized user on my Capital One, BOA and Discover cards when she was 16. Today was her first application and first approval. Totally shocked, don’t have her FICO scores but her income is modest at best. Wish I had more DP’s but I really wasn’t expecting she’d get approved when I suggested she apply.