FloorsMat said:pakesack said:Something to consider on the BOA money returns card. On the application, they state that there are no fees, but when I received the card it shows a 3% fee with no cap. I rechecked cardoffers, and it notes that there are no fees only on BTs done on the application. However I chatted with a customer service rep, and he said there SHOULD be no fee during the 0% apr period. He gave me a direct number to call to confirm. I'll call later today and update.

See my thread on this:
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=681033

MosDeft, your AOR is pretty much what I wish I would have done had I been more prepared. Good luck.

Thanks Floors, but I never feel prepared, even when I prepare

I had 5 approvals out of 20 applications, well below my expectations I started off with the Chase Sony and immediately got deferred. Chase deferred all of mine. I decided to go with Advanta next I think. Got it approved! Citi deferred all of mine too, even the business accounts. Maybe I'm over their card limit (have 3 already), they'll probably make me close one out? I applied for the PNC Business card around 2PM after Rivler told me the TIN wasn't a big hurdle.

pake, I found the same thing as you did. That Money Return card on its BoA Description page lists NO BT FEES, but when you do the application and look at the Terms their, it says the uncapped 3% fee (BS!!). I'll call that # you mentioned, hopefully I'll get the same because if not, that card is worthless. Thanks BTW...

EDIT: They're closed, darn it. M-F, 8-5

Thanks for the words of encouragement, HS

Thanks also Polar, I saw you put up your AOR too. I called the BoA one because of the BT fee language discrepancy.

Snyder81 said:Hindustani said:Don't worry OP. I got only 4 approvals and 15 deferrals in my AOR earlier this month. Currently I have 16 approvals, 2 denaials and still 1 to hear from.

Ditto in my experience. I did my AOR yesterday and got 4 instant approvals and 13 were deferred. (One instant approval was done on Dec 15th before the Citi 0% for Life deal expired). Hindustani, I almost mirrored your AOR except a few cards. I may post a thread over the Christmas holiday period if I feel like typing it up. Hopefully I get most/all approved soon!

I will look forward to your thread!!

Hello everyone,

For those who did BT on any AMEX card, can you tell me if you did the BT when you applied for the card? In the application, I've noticed that you can specify the accounts to transfer to. However, does AMEX allow BT to a Bank account, by using the debit or ATM card? If not, do you request convenience checks and make it payable to yourself?

I would like to tap my 40k AMEX cards for BT but still unsure on how to do it.

Thanks for any input.

MosDeft said:Updates: Got a call today from Citi approving me for the Professional Card. I told the CSR that she called me on Saturday to approve me for the Citi AMEX, but she seemed shocked I would remember her from another call. Both times, she offered to close one of my lower CLs ($500 Preferred Rewards) and switch it to the new account, but I told her to give me the minimum $1,000. Should I start the reallocation from my $13K Citi Dividend to the Professional Card and get the BT kit since it is not reported as a personal card? Maybe also do the same for my other approved cards? With the holidays and the passing of Gerald Ford, I only received the Delta Skymiles Business card...

I missed a call from Citi this morning (301 area code). I didn't want to call back because I didn't want to explain why I applied for several Citicards in such a short period of time. Did she mention anything about you applying for two cards?

Have you tried reallocation between a personal card and the Professional card yet? I'm not sure if this is possible yet, they kept telling me "soon." I do believe that the Professional Card does report to your creditreport as a personal card though.

W00t, I got a deluge of cards today, some with CLs that surprised me (one went up from the original approval!) and one denial from Pulaski who stated "Length of Employment" as grounds for denial.

AMEX Blue went down to $1,800 from $3,500
Boa Elite went down to $5,000 from $5,500

Updated Quick Summary.

I'm not aware of discover doing a credit reallocation for anybody.

I'd lean towards doing your BT's into an empty citibank card. They've been reliable BT targets for me personaly, and for many others.

I just got a few more cards this week, one of which is the AMEX IN:NYC. I was reading up on the AMEX FR threads and was worried about how much I should take out. After reallocating, my IN:NYC CL is now $38,800. I planned on taking out $34,000 (<89%). With my financial profile and recent history, do you guys think it has a good chance of triggering a FR? Maybe go lower on my initial BT?

Thanks again Mark for replying.

When I do the AMEX & Chase BTs, I will definitely go under the 89% threshhold, maybe in the 60s or so. I did my PNC BT to Citi yesterday, they said 10-14 business days is the normal wait time. I think if I get by the FR, my financials may not support my position. Now if I pull in all my BT funds, then I would temporarily show a huge amount of liquid assets ($100K maybe)...

I just hope Chase sends me notice or a telegram giving me a status update on my 3 apps