Lol, sorry Bella, it appears this thread is over a year old. Maybe Op will see your advice.
To this day there are 2 lenders who i cannot apply with, Sir Barclays and Capitol One, and i am kind of glad for that. Barclays probably wouldnt like the fact i drink coffee and Cap One seems to really make you work double for cli lol( i could be wrong, no doubt, just my late Sunday ponderance )
To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!