Data Point

Applied in October when I thought I was 4/24 (one co-branded card I excluded and one open date I mistakingly thought was >24 months old). So actually was at 5 or 6/24. Declined for too many accounts.

Applied yesterday assuming worst case scenario that all cards apply to rule, now putting me at 4/24. Credit score >800. Immediate approval and one of the highest credit limits ever. Yowzers.

Whew, in before the 100K offer vanishes.