I saw from your data that you are probably like me - obsessive about maintaining good credit. Personally, I think that is a great trait in people like you. Nevertheless, sometimes I do open the junk mail only because sometimes they (companies) design their envelops to appear like they are a statement or something I am expecting - they get me.
Anyway, since you have Cap One, here's their website data on Auto Navigator. Log into your account so you can get more details for yourself; but about half the way down you'll see the statement "Get a decision in minutes with no impact to your credit score." If you log into your account, you'll have much less work to do:-)
Thanks again, Ytzak. I'll check out Capital One and a couple other cards to see what they offer. Good info.