Why not just wait and see if you're asked to go in then regret it? Like you're regretting something that hasn't happened yet.
I don't get people saying they're regretting applying for a FYF card, it cost you nothing, you might not get asked to go in. If you are and you chose not to then it's a pity you have a hit on your credit but that'll bounce back in a few months and it's unlikely it'll severely effect your life.
I think most people who don't want to go in probably over declared income. I'd still go into a branch for $500, say it takes an hour or two, that's at worst $250 an hour.