@rmduhon, the delay in decision from Cap 1 was over a question about my physical address , as I listed a po box on the application, they instantly approved for the Quicksilver rewards $1,000 which is fine. I'm a commuter for work, so will use it strictly for fuel and associated expenses and pay down to $0 monthly, while keeping my other credit union card around 9% uitlization. 6 months of that along with the medical collection deletions should give me the good boost needed. Happy 4th to everyone