Forgot to mention my success from last week... I was concerned about overutilizing my WF PLOC since I still have more contractor expenses coming up and it was already at over 30% utilization. So before my new accounts started to report, I decided to get in an app for a second LOC through Apple FCU, who financed my car loan from December. Requested $20k, next day they asked for last two pay stubs, an hour after submitting those I was approved for the full amount with an APR of 7.25%!