Ok so update- in less than a week I got 3 cards off my credit report! I thought it would take much longer. Thank you all for the advice. I confirmed with all the credit bureaus that they no longer see these cards.
I am now at 3/24.
I also lowered my credit line with my Disney VISA so I should be all good to go there... I am way under.
SO... I still have time to possibly get the CSR before I have to book my rental on early next week. However, I am also fine to wait for the double dip. My latest dilemma though is that my refinance went through on my credit report and as a result, my credit score has dropped a little. I was in the 800's and now I am at 799. Experian says what is hurting my score is trying to get too much new credit recently (thinking that must be mortgage related... can't be the one CIP application?)
I am nervous to apply and get denied again. Should I wait a few more weeks and hope that my credit boosts back up or should I be ok to go for the CSR alone, or double dip in a few weeks? I am so ready to join the fun!!! But just want to be smart and not get denied again.