I applied with: EQ 732, EX 729, TU 707. A thin file: CapOne 4 yrs $2k limit, and SDFCU secured Visa 2 mos $1K limit. Credit utilization 11%. No neg's. Income just under $50K. Own 2 homes and car free & clear. CK gave me "fair" chances. Nice lady from customer service called within minutes to facilitate processing due to my fraud notice on CR. Asked me to uploaded ID verif dox. -- APPROVED $6,600!
Email the next day: "Card on it way!"