she needs to check her fico scores....they are probably going to need to be a lot higher than her fako's to qualify for that card.
it is hard for anyone here to base approval guesses on fako scores, as they are not the scores most lenders use, and they are also inconsistent, i.e. your tu fako may be 600 and your tu fico may be 680, whereas my tu fako may be 600 and my tu fico may be 623...