DW got an inbranch approval for the chase family of cards which should bypass 5/24, but was planning to hold off new personal apps till march 2018 to get under 5/24 so we could reapply for SW companion via the 2 swa credit cards.

Would you use the inbranch offer or hold out? She also has a pre approved fnbo travelite. Of course all these offers come as she is waiting to get out of 5/24.