Great work getting all that 0% money etc. This is how to really make credit cards pay off. I am hoping to do my first organized Orama but this time I am focusing mostly on getting new business credit cards and increasing my business card lines. Right now biggest issue is inquires. Waiting for a few to drop off etc.


Robert

Yeah, I was surprised to find that BOA offer. I think the no fee BTs are pretty rare with them.

Day 9:
Sunday. Doing my taxes today.

Day 10:\\
Got a postcard from Citibank on Saturday to call them. Just got off the phone from Citibank (Personal) and they were verifying my information. This one was for the Citi Diamond Preferred Rewards card. The CSR asked me if I wanted to switch over to a different card which offered triple points but otherwise the same terms. I went ahead and took the deal. I don't really know what means, but she said the balance transfer terms are exactly the same, so I don't really care about anything else.

I asked the CSR to reconfirm the BT deal and my assumptions are correct: The 12 month 0% BT deal starts after the first BT is made. So essentially, I can wait until my 6 month 0% deals start to dry up in August and then use the Citibank BTs to pay off and keep the 0% rolling until August 2008 or so.

Another thing: Coincidentally, the wifey has a BofA Visa and a BofA (formerly MBNA) Visa and got some BT offers in the mail on Saturday. Her CL on one is $13,900 and $27,500 on the other. I suppose I should have her call BofA and reallocate the $13,900 into the $27,500 as much as possible and then take the 0% for 6 months BT deal (max. fee = $75) and get all little bit more money, huh? Seems like we could gross another $900-1000.

Only a minor boo boo, Call or email Chase Sony and request the BT fee be waived. Since the BT is in process, I'd wait until after it posts as a request so complicated seems to confuse the average CSR. I'd call both, but Sony Card first as many here including myself have had success getting the fee waived. If at first you don't succeed, call back again. Good luck.

Rasher's I wanted to thank you because the 2 cards I applied for this afternoon and format I used from my App-O-Rama thread I took from yours.

So Thank for you for $42.5K in 0% money offers I got from the links you posted with the cards you applied for.

Well, I was planning on doing an AOR for her in 11-12 months in order to roll my AOR over to her. BUT... this BofA deal is only 6 months, and it's really easy. I can probably get soft-pull CLIs and then consolidate her CLs and probably BT $50,000 or so. So why not take this 6 month deal, since I'm administrating a BT anyway. I'd have here balances all paid off and her CR clear for about 6 months before doing a full-blown AOR for her...

You guys are awesome. THANK YOU!
I am timid about this AOR thing, but have gotten $25,000 from Wells Business 2 weeks ago, and $10,000
from AMEX Platinum Business Cash Rebate just today. The AMEX people pulled up the Nevada Corporation Data Bank to verify my LLC. Phone was not listed 411. They did a soft pull on TU.
MyFAKO is 700, because of high utilization of 3 real estate lines. Should I go all out applying for more business credit?

Yeah, it's the AMEX's which are really slow, haven't heard from the BofA AMEX yet. I think I'm about done. I got a rejection on the Kroger 1-2-3 stating that they "couldn't verify employer information" or something like that (I don't have the letter in front of me). I'm wondering if I should call 'em up and push it or just forget about it. I really wasn't expecting so much credit (well over $100,000 now).

markkundinger said:Employer verification sounds like a pretty easy hurdle to pass.

However, Chase already gave you two cards, so there's a chance that the Kroger card might have a dinky limit if approved. Then again, maybe not. Go with guts!
Jumping in: I agree that employerer v. sounds easy. Note that Kroger is from RBS; see the CC Issuer FAQ. (FWIW, I got roughly $16K from them and another $16K from RBS.)

Kroger 1-800-576-4376

that number was at the bottom of my wife's app.