I actually *did* read the wiki and item #1 , and I'm familiar with the 2 apps in 30 days 'rule'. However, I have also seen DPs that said that when denials are based on 5/24, there is no hard pull. If that is so (and I don't know if it is, I'll need to check) then would it count towards those 2 apps or not?

I'm not too worried about the spend - we're remodeling our kitchen starting in May. :-P