Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012

yes this is the logic. 

im in the same boat. 


the day you apply and app is approved is the day your member since 


i apped on 8/30 and my card says meber since august of '12

so when i app in jan '14 all my inq will be gone or about 1 1/2 years old and will fall off that summer. 


and when im approved it should say on the new card and cr's member since jan of '12


Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000