I'm waiting for my fiance to graduate, and that probably won't be for at least 6 months to a year. Then it would be sometime after that for us to figure out where we're going to live, find a house, etc. So I'm figuring I have about year or so.

Also, I'd like to avoid any denials if at all possible. I'm not trying to bite off more than I can chew just to say I did it, so if anyone thinks they see any obvious denials, I'd be thankful for the input.

I probably have roughtly $35k each in credit line w/ Chase and Citi, $10k w/ a local credit union and another $5k or so w/ BofA.

I'm guessing I'll have to move credit limits around, which is more than fine with me since I don't need all that credit anyway.