As the above responses imply, avoid Credit One. The denial was a gift from the credit gods 
Your DH should check into Capitol One (I fell for the logo clone thinking it WAS actually some part of Cap 1, who I don't have a problem with).
I kept them for just short of a year to see what their EX score was saying (it actually did match other input I got about EX), then closed them before the AF hit.
+1 Go for bigger and better. Maybe clean his report a little and age the good that's on there. Good Luck!
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