larryc said:According to the quick summary, you can only have 3 Citi cards, but according to people on this thread, that's a myth.

Can anyone comment? Should we update the quick summary?

Copy & paste from my Citicards 'account summary' page:

You have 4 accounts assigned to this user ID

They would be Driver's Edge x 2, Dividend, Professional.

My wife has 6 if you count Citgo Visa and AT&T Universal x 2.

Not to mention we have 3 Citibusiness cards.

I've also heard that you can only get 2 Citi cards in some time period which is also bunk. I don't know how these myths take hold.

If you apply within a few weeks, or at the same time, for more than one cc, do they pull separate credit for each ap?

scripta said:larryc said:According to the quick summary, you can only have 3 Citi cards, but according to people on this thread, that's a myth.

Can anyone comment? Should we update the quick summary?I have 4 personal and 1 biz, none of which are co-branded. I have never seen anyone reporting more than 5 personal. I'd update q.s. with "3 to 5, YMMV" or something..

hair said:" Has anyone been successful in getting more than one Discover Business card, perhaps by using a different business name or TIN?
No: 2 completely different companies (an S-corp and an LLC). The rep first said I had to close the first Disc Bus then reapply ... though eventually he closed it instead. A different rep told me later that the first rep was wrong and the old card could have been left open ... but I didn't have any reason to keep the first so decided not to bother trying to re-open.

I called to request a CLI for my RBS Kroger 1-2-3 rewards card. Rep said the system automatically grants increases from time to time but if I were requesting one specifically, a hard inquiry is done at EQUIFX. I went ahead with the request as EQ is 'bumpable'

woohoooooo! an extra $5,500

updates QS with this info...

edit: I called in immediately following the increase to ask whether I could request a line higher than $12,000 using the same credit report... was told yes. I mentioned tranferring a balance and needed $20,000 in total. rep put me on hold and then voila! $20K!!!

I love online correspondence... as part of my AOR2.0, I inquired to Wells Fargo regarding the option of having 2 or more accountsDear Jackcrawfish:

You usually can have only one Wells Fargo credit card account with you as the only cardholder.

You can close you account one day and submit an application the next day.I updated the QS

decline from AMEX: "Our records indicate that you have four American Express revolving card accounts, which is our bank policy limit. Therefore, your request has been declined."

jackcrawfish said:I love online correspondence... as part of my AOR2.0, I inquired to Wells Fargo regarding the option of having 2 or more accountsWells Fargo said:Dear Jackcrawfish:

You usually can have only one Wells Fargo credit card account with you as the only cardholder.

You can close you account one day and submit an application the next day.I updated the QS

I was able to secure a second Wells Fargo card by the following method:

1. 07/30/2007 Applied and approved for AOR1.0 Wells card (16500 limit)
   
2. 08/25/2008 Denied AOR2.0 card (I was testing rep "only one card" claim)
   
3. 08/26/2008 Called to close AOR1.0 card and request AOR2.0 be re-reviewed.
   
4. 08/27/2008 Approved for AOR2.0 card (8000 limit)
   
5. 09/01/2008 misc BT for 7000 on AOR2.0 card
   
6. 09/19/2008 Called to have AOR1.0 card reopened. I was told sup would have to call back.
   
7. 09/19/2008 (later) executive office called me back stating my AOR1.0 card was re-opened
   
8. 09/22/2008 Called to consolidate AOR1.0 card into AOR2.0 card. I was able to BT str8 to checking for no fee

edit: I called a different number to have my account re-opened: 1-800-988-8019

In another thread, MikeR397 asked about Compass Bank. As far as I can tell from my CC statements, they issue their own card -- or at least don't use any known issuer. It's a phone app, usually with someone friendly. Typical CL $10-12K. But, it's really designed for people who already have a bank account there, so they may or may not approve outsiders. (I've seen both.)

The Business card has a restricted area, though would be interesting to try after getting a bank account.

New issuer for AORs: TD Bank, 0% purchases and BT for 6 months; $75 capped fee. Only worth applying for business or personal, not both. (Was approved for $10K personal, got letter in mail, they saw the bus app and wanted to know how to allocate the 10K across the 2 cards. Haven't actually received the Bus card yet so there may be more to the story.)

http://bank.TDBank.com/personal_banking/personal_credit.cfm

cardjuggler said:New issuer for AORs: TD Bank, 0% purchases and BT for 6 months; $75 capped fee. Only worth applying for business or personal, not both. (Was approved for $10K personal, got letter in mail, they saw the bus app and wanted to know how to allocate the 10K across the 2 cards. Haven't actually received the Bus card yet so there may be more to the story.)

http://bank.TDBank.com/personal_banking/personal_credit.cfm

Restricted lending area?