BofA and Juniper have given me love finally. *whew* 8 down, lots to go.

ok, now I am 5/13 instant approval. Getting much more optimistic.

Ok, I think I'm done for the day. So far my tally is:

25 applied for
6 instant approved
1 instant denied (too many inquiries)
1 confirmed denied over the phone

Chase is only seeing 3 requests, so I am a bit worried. They see at least one business (couldn't confirm which was which) and I applied for 4 business and 4 personal with them. (yes I knew i would probably be shot down on several).

I will post as I check on status. May still try one more Advanta since one was declined and the other errored one the web page. I was really hoping for the 2.99 for life to pay my car loan off.

Technologist said:any updates?



Just got back to town, so I updated the quicknotes. One card in hand, several calls and e-mails requesting more info. My Fico on Ex has dropped a TON in the last week, so I hope it recovers some fairly quickly.

Updated again, new CL is up to 225k, and i think all remaining cards are likely declined. I have requested some CLIs now, so hopefully some of those go through before my BTs.

For the nay-sayers, I got 3 new Citi and 3 new Citi Business in this AoR (had one personal already). The limit of 2 is not in stone. Chase on the other hand only gave me 1 personal and so far 1 business. The other 3 business are likely declined at this point.

My Fico's are bad, but I hope that they will begin to recover in a month or so. I will do as many BTs on business cards as I can to reduce impact on my Ficos.

Thanks robertw. I am pretty happy with it. My only complaint is the bad Chase results, including the first 2 cards (most important) being declined. Anyone think I have a shot if I re-apply soon? I don't want to miss the promotion.

I assume that a lot of these cards have annual fees, but are waived for the first year. What do you plan to do with them after the 1st year?

edlin303 said:Updated again, new CL is up to 225k, and i think all remaining cards are likely declined. I have requested some CLIs now, so hopefully some of those go through before my BTs.

For the nay-sayers, I got 3 new Citi and 3 new Citi Business in this AoR (had one personal already). The limit of 2 is not in stone. Chase on the other hand only gave me 1 personal and so far 1 business. The other 3 business are likely declined at this point.

My Fico's are bad, but I hope that they will begin to recover in a month or so. I will do as many BTs on business cards as I can to reduce impact on my Ficos.

Just how bad were you credit scores hit? Would you list them so we can see the effect?

Updated quick notes again. Ex is down almost 100 without any BTs reporting yet, so I may stick to mainly business BTs. I also got one of my lingering cards from Chase I wasn't expecting. Now I am working out how to get the $ from BTs.

mrmakochan said:OP, from what I gather you gained:

AA: 40k
Starwood: 10k
USAir: 50k
Midwest: 30k
Priority Club: 45k
Hilton: 15k
Alaska: 20k + companion pass
Citi TY points: 30k (maybe 40k)
Discover miles: 12k
SWA: 16pts

You said you were going to use all these points for reducing your honeymoon costs. What are your plans? You might want to consolidate some of them.

Well, I started it too late to use most of the points for the honeymoon after all, so I will probably just use them for ski trips now. We already booked most of our honeymoon, though the IC points can put relatives up in a HIE for the wedding.

pyro123 said:So how much money you are borrowing for a BT?you may be limited in the BT amount with the business cc, maybe take out 10% utilization BT of the personal cc.

I ended up around $75k BT out of a total of ~300k CLs. $53k on Citi business (will pay off at 11 months and move CL to other 0% card for another year of 0%), and ~13k and 9k on two personal cards. I think the 9k was on a 6mo offer. I didn't get a 0% AMEX which I am regretting, with my $75k combined CL between my 3 amexs.