Thanks. I have good willed all three (2 HSBC/Capital One and 1 Merrick Bank). Forums say these are hard to crack and I can now attest to that firsthand. They fall off December 2014. They haven't affected me otherwise, so I'll just wait until then.
Well, at least you tried. You don't have much longer to go.
@12njoy: Very sorry for the denial. But you helped make my decision for me not to apply b/c my CR is very similar to yours right now-one paid 1 CO but a few other paid public records as well-although your CC line-up is WAY BETTER than mine at the moment. However I belong to USAA (joined almost a month ago-full member) so I may try for a Mastercard with them instead. It seems they didn't have a problem with your CO so I might have a shot. Again sorry for the Duck denial, but thanks-your applying + looking at your siggy helped me a lot!