From your data points it seems you are 10/24
I wouldn't touch the app button for at least 12 more months on any bank site.
I wouldn't touch the app button for at least 12 more months on any bank site.
Understood, thank you all for the input 
It looks like I will be waiting until I fall under 5/24, which will be after May of next year (almost a year from now). I was planning on apping for the Freedom Unl to get the 4.5% back on non-bonus categories (3% x 1.5 cpp for the first $20,000) but my other cards are still more than enough for now.