Update - DH apped for the Ink Bold yesterday and spoke with the analyst this morning - approved! Now we're both definitely in the garden until at least August.
Congrats to DH
DW was just approved for Ink today. She apped knowing her reports were frozen, then called to see what they tried to pull. (A round about way of ensuring only one CR pulled, and sometimes talking the rep into pulling what we want). They tried TU (her highest score). She unfroze and called back. The interview took about 20 minutes. They asked about the business, gross income, employees, and her FT job and income. (Income is a side business). 5 min hold to pull TU. Came back and asked a few more questions, projected income this year, etc. Another 3-5 min hold to finish "processing." Approved $20k flex spending.
Thanks everyone! DH said it was super easy - very nice lady, took about 10 minutes. Asked him about business, how much he plans on putting on card. Did ask him about his maxed out WF card - told her that it was used for taxes, plan on paying it down within a year.