wow... Called NFCU. was eligible thru my grandfather retired military WWII vet...
just set up savings no checking. (savings has a -$5 neg balance that I will have to mail in because there is no branch near me.)
Then applied while I was still on phone for cc.
Instant Approval $10,000!!!
WOW! CSR even seemed suprised, he said "wow, I don't normally see many instant approvals especially on new member."
wasn't too long ago I couldn't even get a secured card! Thanks MyFico!
My other highest limit is my cap1 at 3250 which is two cards credit stepped up then combined. The NFCU card has a 13.9% APR for now, but thats fine with me. Don't plan on keeping a balance on it.
They Pulled EQ.
/pats myself on the back... Yea me!
NFCU is by far my favorite "CREDIT" Union.
My app wasn't instant approval, but all of my kids got instant approvals and my Mom did as well.
I think that up to $10k instant is more likely. Above $10k it seems they are more likely to request income verification....but if they request income verification this essentially means "you're approved once we make sure on income."