@Anonymous wrote:And the verdict is...
I chickened out
Having gotten all aforementioned ducks into the proverbial row, I did one final gut check and came to the following conclusion:
1. I am being greedy/impatient
2. this app is premature
I have a major app (auto loan) that has to happen before July when my lease expires. I won't be 1-yr post-DC until the end of April, and that is also when my first Cap One app goes 1yr+. PenFed is 5x more squirrely under 1-yr, so why poke the albeit very nice bear before I need to?
So with apologies to those in whom my above statements have built great expectation, this plan has been officially put on pause until May 1...I'll see you then
Good decision! It sounds like you have that long term planning thing under control! Kudos to you!