wadew said:The monthly maintenance is only on the $100 visa/debit card that they mail you for free... most of us plan on spending it before the fees kick in.

Oops, sorry

pilsungk said:Submitted an online app yesterday and didn't get an instant approval. And I just called 1-888-279-7538 to check the status and was told that I was approved with 1.5K credit line. This is gonna be my 3rd schwab card. But I already closed the 2nd one though. Thanks OP for easy $100!
Great # to call. I called, receieved a person right away. I was approved for $1,000 but then I was asked what I was looking for. I told her my other credit limits, and right away she changed it to $5,000. Total call was 45 seconds, and the lady in Delaware was very friendly.

NatronsMean said:applied online, got the wait 30 days message.
I consolidated (closed) my first Schwaab card last week.

Called in today, already approved for 10k (same as last time)- no need to reallocate!
Woohoo!

Finally called in, getting approved for 5k CL. Thanks for the code and phone number (Last time, I just applied online, getting declined immediately. Lazy me!! )

somebody got called that as he already got the $150 gift card, he would not get the $100 one even his credit card was approved.

anybody else can confirm this?

jolapo said:I got this after submitting my online application:

Thank you for submitting an application for a Charles Schwab Bank Visa® credit card.
Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.
If you are a Charles Schwab & Co. customer with access to schwab.com, you can log in and check the status of your credit card application through the Banking/Credit Card section. Please give us 15 minutes to review your application before checking the status.
All credit card applications receive a written response within the next 30 days.

What does this mean? Am I rejected already?
It means you have to call 1-888-279-7538 to finish the application.

bctiger007 said:somebody got called that as he already got the $150 gift card, he would not get the $100 one even his credit card was approved.

anybody else can confirm this?

Many CSRs claimed that it was one $150 GC per applicant before, well, not sure that was true.

Not sure this one is true, either, until one actually tests it out.

I told the rep that I like to have a short-credit CC to use for online transactions. He seemed to want to talk about extending credit lines, but I do not want that. I want CCs with short-credit lines. I also told him I was applying to get the $100GC, which did not seem to warm the cockles of his heart. He balked at approving a 4th CC after he saw I had 3 already (from the $150 bonus offer) and he was not inclined to help me qualify for a 4th card by closing out the first of the Schwab Visa CCs that I got back in May. Hey, I tried! "Not today" was his disqualification. I figure that means I might qualify after I close out the other MBNA accounts. I'll wait a while and try again. It's an easy $100, for sure. -Zer rogerbeagle said: A clever answer to the "why do you need another card" question from a previous post is "to have a card to track expenses by the day of week." YMMV!

Big Props to OP and all the other OP's of these CC deals this summer!
I've banked $1100 between my wife and I from these offers this summer!

$100 statement credit - Sony (x2)
$100 statement credit - Citibank
$150 Visa gift card - Schwab (x2)
$100 Visa gift card - Schwab (x2)
$100 (Various merchants; I chose Toys R Us) gift card - Citibank (x3)

Keep up the good work!!!!

lahen said:Just got done applying for the card online. I got message like others about getting response within 30 days by mail.
Within couple of minutes of finishing application, I get a call from their CSR with approval offer. He mentioned me having another MBNA card (with $39000 credit limit). He offered to move $30000 to my new card and leave $9000 on that old card. I was little reluctant to do that. But, in the end I agree to split the amount to $19500 even on each card. It took less than 2 minutes to do this.

Thanks OP.

And when you close this new card, just have them move the $19,500 back on to your original card. I've done the same thing many times and MBNA will do it for you no problem.