This is mostly a bump. I just spent quite a bit of time editing the Quick Summary (as thanks for the brilliant AOR info and other gems at FW finance).

In addition to new formatting (feedback welcome), I added fields such as:
- App-o-rama notes (primarily the number of cards from each issuer that's likely to be approved)
- BT to LOC w/ app (tricky since many lines of credit don't have a 15-16 digit credit card number, and useful as part of the application since it probably yields a higher credit limit)
- names of some of the personal & business cards (and former companies or brands)
- Co-branded cards (to help avoid applying for too many from the same issuer during an AOR)

Other information that might be useful: typical BT fee, best offers for existing cardholders, plus filling in lots of the blanks (e.g. here's an easy task for lurkers: add more co-branded cards, e.g. via CardOffers or http://www.creditcardoffersa-z.com (I think I covered Bank of America, and I added a few for others.)

(I'll also throw in a question for forum regulars: what do folks think of adding a glossary thread? I'd be happy to start it -- but don't want to do so if it would instantly draw lots of red for reasons that I've missed.)

Awesome thread! Does anyone have an idea about US Bank? They have the northwest airlines cards too...

Excellent info !

I updated the quick summary to note that I received a new WaMu card with a $30k credit line. I had requested about $32k in balance transfers (0%, 18 months, no fee, targeted offer) and they transfered 29k and left 1k open on the credit line.

I also tried to consolidate this line with another wamu line I had (old providian card with $17.5k cl) and they said it could not be done.

Can someone with permission update the OP? I just did a BT with my new Discover Gas Card into my checking account. I didn't request the BT at the time of the application. I asked about it when I called to activate my card. I didn't plan on requesting one, because in the application there was a BT fee. Once they said there is no BT fee and 0% APR on BT's until March 08, I jumped on it.

This was my first BT, so I was a little worried about it not actually going through, but after a couple of weeks, the money finally showed up. They butchered the name of my bank, which worried me about them actually approving the deposit, so I called my bank and gave them the heads up on what had happened.

Let me know if any other details about the BT are needed to make the change to the OP.

Brett

Here is some info on Pulaski for everyone and for OP updates:

Pulaski Bank
To reach a human ___:
Change card type ___:
Reallocate CL ______:
Max # of cards _____:
BT Checks __________: Yes, 4 checks arrived with my new card but are stamped "VALID FOR BALANCE TRANSFER ONLY" the welcome letter states "Please use these to transfer your balances on existing accounts to you new Pulaski Bank credit card." And in Card Agreement page 3 "we will not pay a Balance Transfer Check if...the check was written for a purpose other than transferring the balance of another credit card account to your account with us."
BT to checking _____: No, unless you want the check to be declined (see above).
BT to LOC w/ app ___:
CLI w/o hard pull __:
Time between CLI ___:
Personal cards _____:
Business cards _____:

App-o-rama notes ___: requires documentation (e.g. pay stub), *** agreed still asked me to fax a paystub 05/2007.
Special features ___: no BT fee, no cash advance fee (!), low interest rate (7.99% on 12/26/06) *** agreed 7.99%, no BT fees, Annual Fee $35, 7.99%, and 0% on BT for 6 months 5/2007.

I used to work for US Bank and Elan, so in answer to the question in the quick summary, yes Elan is part of US Bank. For the most part, all the policies, fees, etc. are the same for US Bank and Elan cards. More experienced CSR's can field calls for both cards without missing a beat, although CSR's tend to be specialized to one or the other. Elan is "better" to work for, even though it's all in the same building, so you'll probably get a better CSR with Elan than US Bank, since everyone starts out doing US Bank calls and switches to Elan if they're good enough. The REI and Gymboree co-brands fall pretty much in line with the other US Bank cards as well, but they do have a couple co-brands (Northwest Airlines and Harley Davidson) that are on a separate system and can have some different policies.

Speaking more directly to the topic at hand, I'll try to do my best to remember everything, and this information may have changed:

To reach a human ___: I believe just keep hitting 0 after calling the number on your card
Change card type ___: yes, though possibly not all permutations
Reallocate CL ______: not through a CSR, I never saw it done but I imagine a supervisor could do it
Max # of cards _____: not aware of a set limit, but I would guess there is one
BT Checks __________: yes, most have fees but you could get some 0% ones if you're lucky (I think the welcome checks ALWAYS have a fee so you'd have to have the card for awhile before getting better checks)
BT to checking _____: Not a direct BT but I think you can do it using the checks
BT to LOC w/ app ___: not sure
CLI w/o hard pull __: soft pull after 3 months, can ask online or over phone (also can get automatic increases); CSR can send request to credit dept for hard pull if desired
Time between CLI ___: 3 months
Co-branded cards ___: REI, Gymboree, Harley Davidson, Northwest Airlines

EugeneV said:I could not change NWA into anything else. Which changes are allowed? NWA is on a separate system, and I never worked for the NWA card team, so I'm not sure what changes are possible for the NWA cards. In general I don't think you can switch between co-branded cards, but you can switch from one type of US Bank card to another very easily (like from a regular platinum to the cash rewards card).

Updated the following, per my recent AOR experiences

National City
To reach a human ___: 800.762.0974 (personal) 877.459.9801 (business)
Change card type ___:
Reallocate CL ______: YMMV
Max # of cards _____:
BT Checks __________:
BT to checking _____: no, at least not via ACH
BT to LOC w/ app ___: yes (in theory anyway; the application asks for an address)
CLI w/o hard pull __:
Time between CLI ___:
Personal cards _____:
Business cards _____:

I just called Discover. It's going to be 6 months in 5 days since I was approved for the card back in December. I couldn't resist the temptation so I called and requested a CLI. The lady then started reading a disclaimer stating that they were gonna pull my credit report, so I decided not to do it. I'll call back next week. I'll keep you posted.