congrats, but PFD always better.
I'm guessing once util is down under 10%, you will be sitting 650-665. I would say wait to app until the reports are all reflecting the lower util for a month or two. Then app to Capital One. I know a lot of folks like Chase, Discover, etc. But I see a much higher success rate in the mid 600 range with Capital one. It kinda seems like you need a 700 for the big guns, but that might just be me. Best of luck, and good job!