mhesidence said:ILikeDollars said:
The Bull Rider's Cash Rewards Card has no fees on BT, unlike the regular cash rewards card. I could have also gone with the "Softball" cobranded card (same deal), but I thought a Bull Riders card was too hilarious to pass up.


No sure about the "no fee" The page you link says "0.0% balance transfer Fee for the first 6 months". 0% Fee makes no sense, probably a typo and should be 0.0% APY. The link to the terms and conditions on the same page has BT fee of 3% $5 min. doesn't say anything about a max, so probably uncapped.

I considered the possibilty that it may be a typo, but I figure worst case scenario, I'll argue with them and fax them a copy of the page (might work).

BTW,

not sure if this will help people doing app o rama's when you apply for Citi credit cards (personal) they might approve upto 2 cards w/ in a 60 day period and some of the cards ex. no preset spending limit only 1 w/ in a 60 day period.

Inquiries so far, for those who are interested:

FTH3RD DIR 08/07/2006 Equifax
RBS NB CC 08/04/2006 Equifax
CAPITAL ONE BANK 08/03/2006 Experian
CAPITAL ONE FSB 08/03/2006 Experian
E*TRADE CREDIT CARD 08/03/2006 Experian
CAPONEBANK 08/03/2006 Equifax
CAPONEFSB 08/03/2006 Equifax
NCBK-NCCS 08/03/2006 TransUnion
CAP ONE FSB 08/03/2006 TransUnion
CAP ONE BANK 08/03/2006 TransUnion
FIFTH THIRD 08/03/2006 TransUnion
DISCOVER FIN 08/03/2006 TransUnion
MBNA 08/02/2006 Experian
HSBC NV 08/02/2006 Experian
INFIBANK 08/02/2006 Experian
FIA MBNA 08/02/2006 Experian
DISCOVER 08/02/2006 Equifax
AMEX 08/02/2006 Equifax
HSBC NV 08/02/2006 Equifax
PENTAGON 08/02/2006 Equifax
RBS NB CC 08/02/2006 Equifax
STATEFARM 08/02/2006 Equifax
WACHOVIA C/S 08/02/2006 TransUnion
ST FARM BANK 08/02/2006 TransUnion
FIRST USA NA 08/02/2006 TransUnion
FIRST USA NA 08/02/2006 TransUnion
ADVANTA BANK 08/02/2006 TransUnion
WASHMTL/PROV 08/02/2006 TransUnion
US BANK 08/02/2006 TransUnion
CHASE 08/02/2006 TransUnion
BRCLYSBANKDE 08/02/2006 TransUnion
CITI 08/02/2006 TransUnion
CITI 08/02/2006 TransUnion

Despite being the very first card I applied for, discover waited a day to pull my report (actually would be a good strategy for issuers wanting to counter and detect an app-o-rama). Crapital One lived up to its reputation by pulling all three of my reports twice.

BTW, just looked it up, NCBK-NCCS is National City and I'm guessing BRCLYSBANKDE is Juniper.

As seems typical for me, TransUnion was hit hardest with 16 inquiries so far.

Update: immediately following all of the new apps, requested a CLI online from Chase. The form asked me to put in an amount and I randomly chose $24k. Said I'd receive a response in 24-48 hours. Result: APPROVED for full $24k (wish I'd requested more!). I hope they still approve me for new cards as well, or that will have backfired.

ILikeDollars said:BTW, just looked it up, NCBK-NCCS is National City and I'm guessing BRCLYSBANKDE is Juniper.It is -- Juniper is owned by Barclays Bank.

Update:

received email indicating I was approved for MTVu card.
Called to reallocate new Citi lines to Driver's Edge, as 0% for life offer is expiring very soon.
CSR was able to locate the new dividend card, but couldn't find a MTVu card. She also mentioned that I had recently closed my Associates card. I informed her that that was incorrect and asked her to reopen it. She tried to, but then informed me that it was closed in order to open a new account, so the request to reopen was denied.

I'm not happy that they did this without my consent, as this was my oldest open account. Still, at least she said it showed to her as "closed by consumer".


P.S. OP updated.

P.P.S. Just called the application check #, found out the MTVu was approved for $3600 - so it sounds like they basically converted the Associates card. Oh well, I guess 5% on restaurants is worth it.

arouncoumar said:How much CL you got on your Penfed. They asked me how much. I threw in 25K and they approved. wow!! Wonder what if I had asked more?

they have a max of 30K, I had asked for 50K on their online application and it gae me a message back stating the maximum credit line is 30K. I didn't get approved for 30K either, they sent me a counteroffer of a lower credit line, which I took

Go for it. I assume the only thing that can happen is to get approval for a smaller CL.

I came under AMEX Financial Review back in '04 (see this thread). It seems like my strategy worked properly - closing the accounts before they closed them for me seems to have helped me avoid an "AMEX blacklist" if such a thing exists. Just thought I'd mention it here since I can't update the old thread. I may still try to reopen those old cards but I doubt that'll work, since it's been almost 2 years since they were closed.

Called MBNA and received an additional $5k after talking to a rep, bringing me to $24k total exposure with them. He also suggested that I reallocate lines as necessary to take advantage of different promos. I was surprised to hear him actually recommend this strategy, since you'd think MBNA would discourage "gaming the system".