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Close the capital one card that is costing you money if your not getting any benefit out of it. Paying an annual fee to sit in the sock drawer is silly.
You're taking this USB AR app a little too serious IMO, the worst thing that happens is that deny you, and you try again in a little bit. I understand you want the card but even if they do deny you. You have sufficent cards in the mean time.
I would just pull the trigger and if they approve you great, but I dont think a month would make a huge difference unless your credit reports changed drastically.