How do we do BT to checking account ?? I'm new.. but want to do it.. Can you guys point me any thread or answers would be appreciated

markkundinger said:Hindustani said:I should have listened to other FWers and not applied for GM Flexible Earnings card. They approved me and gave me a CL of $700 Should I cancel the card before it gets reported to the credit agencies? I haven't tried it yet but would asking for a CLI work? Just wanted to know what other FWers are doing with this card, especially with such low CL.

I got a (in hindsight, generous) 2k CL when I was approved for me. When I called up a CSR, she said a CL increase request would be "pointless", but you know, I probably should have done it anyway.

The low CL didn't make the balance transfer fee at all appealing. However, couple months later, I was sent some no-fee BT checks, so I went ahead and maxed out the card. Why not, eh?

Well even with no fee BT, I will make $33 in interest for the $700 CL they gave me. I guess I have no option but to cancel this card before it gets reported to CRAs. But I will try and ask for a CLI and see how it goes. Maybe retention will offer me something?

Got 3 more cards today

I still have to hear from Chase on all 3 cards I applied for. Hope I get all the 3 as $370 bonus is at stake.

have to started doing BT yet ? let us know how is it going ...

Grats HS, how long did it typically take for your cards to arrive after applying around Dec. 6? I know some were deferred. I was planning to do mine in a few hours, but I didn't my mailbox to be crammed with cards when I got back from vacation...

MosDeft said:Grats HS, how long did it typically take for your cards to arrive after applying around Dec. 6? I know some were deferred. I was planning to do mine in a few hours, but I didn't my mailbox to be crammed with cards when I got back from vacation...

Most of my cards have arrived between 15th-20th of this month. So looks like you should get them within 2 weeks of applying.

I don't see any sort of $75 bonus with the Discover card unless you are counting the 1000 miles per month if making a charge.

Discover Miles------------- $75+$40 cardoffers -------- 0% for 12 months with no fee apply here

Has it changed since your AOR? Page last updated Dec 1st on CardOffers.

I applied for the Pulaski card, but all the legalese is ridiculous. And they pass your information onto other creditors if you don't qualify for their card unless you check the box to prevent it. Seems shady...


APPLICANT'S STATEMENTS: READ THIS STATEMENT BEFORE YOU SIGN IT OR, BY SUBMITTING AN APPLICATION OVER THE INTERNET, I UNDERSTAND AND AGREE AS FOLLOWS:

All information I've given is true and correct. This application is provided by Pulaski Bank and Trust Company, Little Rock, Arkansas ("the Issuer"). I understand that the issuer will confirm the information and retain the application whether or not my application is approved. A consumer credit report may be obtained and credit information exchanged and used in connection with this application and any update, renewal or extension of credit requested by this application. By signing this application, or by submitting this application over the internet I consent to your obtaining a consumer credit report(s) and employment/income verification. I understand that, if I request, I will be informed whether any credit report was requested, and if so, the name and address of the consumer reporting agency furnishing the report. This offer is subject to the credit policies of the Issuer.

I have read the Terms and Conditions and agree to be bound as specified therein. I understand that in order to apply for this offer I must be able to download or print a copy of the Terms and Conditions provided herein and by applying I am attesting that I have downloaded or printed a copy of the Terms and Conditions.

*select one
No Yes

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I ACKNOWLEDGE AND AGREE THAT THIS APPLICATION IS SUBJECT TO ACCEPTANCE BY ISSUER IN ARKANSAS. IF IT IS ACCEPTED BY ISSUER IN ARKANSAS THEN ANY EXTENSION OF CREDIT PURSUANT TO THIS APPLICATION AND ALL ADVANCES UNDER MY CREDIT CARD WILL BE LOANS MADE IN ARKANSAS AND WILL BE GOVERNED BY THE ARKANSAS AND FEDERAL LAWS APPLICABLE TO ISSUERS BUSINESS IN ARKANSAS. BY SIGNING OR, SUBMITTING THIS APPLICATION OVER THE INTERNET, I CERTIFY THAT I HAVE RECEIVED AND READ THE DISCLOSURES MADE WITH THIS APPLICATIONS: AND I AGREE TO BE BOUND BY THE CARD HOLDER DISCLOSURE AND CREDIT CARD AGREEMENT (MEMBERSHIP RULES) GOVERNING THIS ACCOUNT MAILED WITH MY CARD IF AND WHEN MY APPLICATION IS ACCEPTED BY ISSUER IN ARKANSAS.

I understand that (i) after I submit this application, you may notify me that you need additional information from me in order to process my application, (ii) if you deny my application, you are required to notify me of the reason(s) for the denial, and (iii) with my consent, either or both of these notifications may be given electronically. I further understand that, (a) if I give my consent to receiving electronic notification, I may withdraw my consent at any time, (b) my consent applies only to the specific type of notification for which it is given, and (c) if I receive an electronic notification, I may obtain a paper copy of it at no charge by writing you at P. O. Box 7500, Little Rock, Arkansas 72217-7500 and enclosing a stamped-self addressed envelope.

I understand that a notification of additional information you need from me will be emailed to me immediately after I have submitted this application and that the hardware and software requirements for receiving this notification are the same as the requirements for submitting this application. I understand that I may withdraw my consent to receiving this notification electronically at any time prior to my submission of this application by simply exiting this web page. However, I also understand that I must consent to receiving this electronic notification in order for you to process my application.

I consent to your providing me with electronic notification of additional information you need from me as described above.

*select one
No Yes

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If you decline my application, the notification you are required to give me of the reason(s) for the decline can be given electronically by sending the notification via electronic mail to the email address I have entered on this application. I understand that the hardware and software requirements for receiving this notification are the same as the requirements for submitting this application except that, in addition, I must have a valid email address. I understand that I may withdraw my consent to receiving this notification via email in the following manner. Prior to submitting this application, I may withdraw my consent by changing my response to this request from "Yes" to "No", or by simply exiting this web page. After this application is submitted, I may withdraw my consent by giving you written notice that I am doing so by mail at P. O. Box 7500, Little Rock, Arkansas 72217-7500. I understand that the withdrawal will not be effective unless you receive it before you have sent me the email notification.

*select one
No Yes

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In the event my application for a Pulaski Bank credit card is declined, my application information may be forwarded to other credit card issuers for consideration. I acknowledge that I have received a copy of the Pulaski Bank's Privacy Notice, which would give me the right to prohibit the Bank from sharing information about me with other credit card issuers. I also acknowledge that I may exercise my right to prohibit the Bank from sharing my information by checking the box at the end of this sentence. By submitting this application without checking the box at the end of the previous sentence, I am authorizing Pulaski Bank to make the contents of this application and the information submitted with this application available to one or more other issuers of credit cards. I authorize each of such credit card issuers to obtain a credit report concerning me for the purpose of determining whether I qualify for their credit card.
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To complete the application process, please send any of the following applicable items to Pulaski Bank and Trust, P.O. Box 7500, Little Rock, AR 72217-7500, or you may fax your information to the attention of Pulaski Bank Underwriting Department at 501-661-7381. *

1. SALARIED OR HOURLY EMPLOYEE - Send a copy of your current payroll stub showing gross income and year-to-date total.

2. SELF-EMPLOYED - Send a copy of your most recent two years' 1040 Federal Income Tax returns including Schedule C or Schedule E.

3. COMMISSIONED SALES - Send a copy of your current payroll stub and a copy of your last year's W-2 form.

4. RETIRED - Social Security, Pension, Disability, COLA Letter, 1099 Form, Check Stub, Direct Deposit Verification. You must provide proof of this income.

5. INTEREST/DIVIDEND INCOME - This income must be verified by your 1040 Federal Income Tax return for last year or Form 1099.

6. RENTAL INCOME - Rental income must be verified by your most recent two years' 1040 Federal Income Tax return including Schedule E.

Cardoffers just reported $40 from Citi Professional card that I applied for. This after receiving 15k points offer when I closed the browser window while applying through cardoffers. So total bonus is $190, which is the highest for any personal card currently.

I will call Citi to reconfirm the 15k points offer.

MosDeft said:HS, CardOffers notifies you when you get an approved reward? I always click on some Status Check link, but it never shows anything.

Check status link? Never seen that on their website.

To see what bonuses you have earned; go to my account and click on View Cash Rewards. This page should list all the cards you applied for that reported the back to cardoffers.