Hmm, after the dust settles for this, maybe I should consider applying for a regular HSBC card, and merging them.

Thanks for your detailed post. I am watching eagerly to see what outcome you have, but so far it looks favorable.

How much have you received so far in bonus offers? I think that would be nice to have a running tally on, since that is your desired outcome, right?

Hello, OP
You mentioned this
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BofA autotransfer checking -> savings for $15
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Can you please share the code when apply for this one?

Thanks,

Huh, interesting, I just called RBS to check on the app status (called their application number), and the analyst person asked me if I had applied multiple times. I guess the two blown-up internet applications were still in their system. Anyway, I'm only applying once now, but the application is still pending.

I'm wondering if I should call Citi. One one side, with only one credrep pull, I wonder if the other apps are really being processed. On the other hand, I don't know if I want to encourage a human being to look at 4 simultaneous apps.

sbarenbaum said:Hello. I stumbled on this discussion and was intrigued.

I have a couple of questions that I am hoping someone can respond to.

1 - mbaker4096 mentioned an Account Aggregation Service to keep tabs on multiple accounts -- I am not familiar with such services. Who/ What/ Where? Please clarify as I am sure this would make my life easier.

2 - It seems like you guys are forever checking your credit report. How can you without being subject to the fees?

Thanks again.

SB.

1: Yodlee, search for the discussion on this forum
2: You buy a service which for a fee (monthly, yearly, etc) lets you check your credit score as often as you want.

Green for you OP for a detailed write-up and follow-up posts. I'm waiting to hear about your Citi apps, as I was under the impression that Citi only allows 2 apps per 60 day period. I could be mistaken, but I think I read that on www.creditboards.com.

Well, this gets curioser and curioser: Got two letters in the mail today. One was from Chase asking for a utility bill to verify my address. The other was from Citi wanting to me call to "provide the card that best suits my needs". Both had phone numbers that were already done for the day (blasted pacific time zone).

I have no idea which citi cards the postcard was about, but the phone number message was their business card department. Then, I called up the number for the Chase Sony card, and the rep said I had only one application pending, but couldn't tell me which card it was for.

Guess I'll make some calls in the morning.

Ironically, I also got a mailer from Wells Fargo for a CC with a no-fee 0% 9-month BT

There's a veritable o-rama of o-ramas. To wit my Account-O-Rama musings from a couple years ago.

Okay, I called up Chase, it was their "Credit Reconsider" department. Turns out all they really wanted to do was verify the address and junk for the Sony card. While asking about what kind of gas bill they wanted mailed back, the rep said that I could just verify stuff over the phone, which I did, and my application is back in the process.

Calling Citi was more interesting. The rep said she wanted to "confirm my employment status" for the Diamond Pref Reward card (the one I was already approved for?) and lead the question with if I was self-employed. Remembering the clues from this thread, I quickly claimed that I had a tiny small business of my own as well as being employed full-time. (sole proprietorship, no dba name, my own SSN). She said this qualified me for a business card instead. Then I asked if the business card could be considered in addition to the personal card, and she said "sure". The cool thing is that the business card has a 15k point bonus, and the personal car has the 10k bonus it always had. So in total, that's a crapload of TY points.

The CL on the business card will be $4700, $3700. This seems like the CL is being "split" between the two cards. Since both cards have 0% no-fee BTs, and it garners more points, I can deal with it.

The postcard was only sent about one of the Citi cards (Diamond Pref Rewards). I believe there is a significant chance that the other apps have been lost into the wind (but you never know).

Currently I have, or know I have approved, 3 citi cards, the mtvU I got a month ago, an approved Diamond Pref, and an approved Citi Business.

I've also got one Chase "mystery app" out there, the Cash Rewards I applied for over the phone.

It will all shake out once I allow enough time to start getting mail.