Thans, for your reply RyVision. My account with WF is not a year old yet but I have a whole lot deposited in checking and savings. I was hoping that would count for somethign in their approval process. They'll greatly upset me if they keep all that money of mine and don't approve me but that is often how it is. I can't believe they ran a credit check for me to deposit my money with them (I'm sure it was listed somewhere in the reams of terms and conditions, of course.)

I'm not just wondering if I should try as-is or take my utilization to nil and then wait till it is reflected in my score. That might take another 6 weeks for the cycle to complete though.