Man, today has been my day. I just posted how my auto loan was approved for 10K over what I requested. So, feeling a little trigger happy, i decided to try AMEX as all my friends sware by it. I did the pre qual and it was not one of my options. So I searched to forums here to build confidence. I went back completed the app and in 20 seconds I saw the screen I wished for. APPROVED!!! I am done time to garden for a long while now that I have achieved my goals. Who said 9 months in the desert wouldn't do you any good.