When can I start applying??
 

I had gotten the good info that as soon as my refi closed for my home I could start applying for CC's again. My question is at what point could be considered "safe"?

As in, tonight signed all documentation. We have 3 days to cancel, making that Fri Oct 5th. Original loan paid by Mon Oct 8. Should I wait till Fri? Mon? Start now!?

Any opinions appreciated

The bank doing your re-fi will usually take one final peek to verify that all data is still correct (you didn't lose your job or take out a HELOC on the house since you applied for the re-fi). I believe that happens just prior to the 3 day right of rescission. Those 3 days are essentially your right to cancel, not the banks. HOWEVER... Just to be safe, I'd wait till the funds arrive in escrow for you. It's only a couple more days.