At baller4life peer pressure I decided to join RBFCU and I applied for membership last night. Today I was able to set up online access and when I logged in I app'd for the CC and requested 15k and was approved hours later. After I submitted that app for the CC I went for the LOC and only requested 10k but was only granted 1k. Then I said to myself why not an auto refinance, submitted the app and that was approved at 2.99%, currently have it at 4.59%.
So really went 2 1/2 since the LOC wasn't fully granted but its better than a denial. All these are not fully approved until I submit proof of income but I'm still excited. The tides have definetly turned. That's it no more apping in 2015 and 2016.
AU:
Congrats
Niiiiiiccceeee! 
Thanks everyone!
I can't believe it I crossed the 100k mark this week with just these new CC's and with the new LOC's I'll be around 125k mark. Unbelievable!!!!!