Valued Contributor
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014

2014 Goals:
Lower Utility
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000