Received a call from citi to let me know they approved my drivers edge card with a $500 limit. It was only $500 because they said they could not give me more based on the amount of credit I already have with them. they then offered to reallocate from one of my other cards, I moved 10K from my premier pass which was no longer a 0% card to the drivers edge. I should get the card in about 10 days.

Received the decline letter from discover. they stated that i had too may new accounts with balances. The newest card i had with a balance was 8 months old.

I updated the summary with the card, current status, credit report pulled, I'll also start listing the bonus and any 0%'s BT info

markkundinger said:I hate to be a gloomy gus, but this may be a good test to demonstrate if 9 months is too short of a time to space between AORs. Especially if you're still carrying a bunch of debt from the first one.

My overall utilization was around 40%, the cards with a balance were over 50% but I was nowhere near max. I got that down to a decent level. So far, it is just discover, which happends to be one of the new cards with a balance.

Received mail from chase that they have my application for my 2nd bus card and that this is the 2nd application they received and because the previous one is currently inder review it is not necessary to review the second application.

Looks like if chase bus will at most give me one card..

I also just pulled my daily credit report and a new card is showing up from fia. I have not received a card from fia yet so I guess I am approved fro a card. I also noticed that BOFA reduced one of my other cards with a 65K credit limit down by 10K. MY guess is that they moved part of the credit line to this new fia card. I had applied for 2 fia cards. The GMAC equity rewards and the Fidelity visa signature card. My GUESS is that they gave me both but would not extend any more credit so they reallocated 5K to each. when I get the card, I will reallocate more of the 65K line to the one that has a 0% BT offer. The 65K 0% offer previously ended a few months ago and I was using it primarily for bill payment.

I also received my AMEX Gold bus card via ups last night.

Updated QS

Thanks for sharing the details. My FICO still has yet to bounce back, but I am on time out for now, so that I can get it back over the 700 level.

tashayar said:Thanks for sharing the details. My FICO still has yet to bounce back, but I am on time out for now, so that I can get it back over the 700 level.

It took close to 7 months before mine bounced back, but the main item that did it was getting my overall utilization under 50% and having no cards over 90%.
The other item that has a big impact on my score is when there are cards that are less than 1 year old with a balance on it, no matter how small. On my first apporama my score shot up 50 points when I paid down off my cards that were less than 1 year old. I had accidently had one card with a $300 balance and less than one year, not paid down to 0 before the statement. The day it showed on my credit report my TU score went down about 50 points, no other info changed.

Got 3 cards in the mail today. My fia (BOFA) GMAC equity award account which I expected as it showed on my credit report. The card when I signed up was supposed to be for 0% 12 months. However, On the packet I receive it states that the 0% expires in december' 07.

I also received a chase business card. $8,000 CL, and a Citibank Bus card. 10,000.

I also got a decline from state farm bank. Reason excessive inquries in 6 months. When I started i had 0 inquiries on TU. I applied for this card in the middle of my app spree so there must have been 4 or 5 already on there.

Updating QS

2 declines in the mail today for the same reason too much outstanding debt. Not utilization, but total $ amount outstanding. Also already received 20,000 or my 25,000 AMEX bonus points.

Received my BOFA card, my fidelity card got a 10,000 CL, my other bof a was a 5,000 cl. It ended up that bofa increased my overall cl by 5000. They took 10,000 from my existing line to my fidelity card. I also got a letter from bofa stating they moved the line and if I want to allocate my card differently to call them. I will do so this weekend and move most of my cl to the bofa GMAC card to take advatage of the 0% 9 months with a $75 max fee and then if they still allow it have most of the funds credited to my savings account. The bofa GMAC card was a new line of 5000.

Updated QS

nymgiants said:Have a new inquiry from FNB on Equifax, its the first one that hit Equifax so they wont see all the other inquiries.

Called chase to try to reallocate some CL from a couple of my other chase cards to increase the new line. Chase said they can not reallocate to a card until after its 6 months old. I will call again and try this weekend. They also enclosed a BT check that i can use with a $75 max fee.

Called yesterday to try reallocation again and this time the rep had no problem at all in reallocating part of my credit line from my 2 personal cards. Moved a total of 12,500 in CL to this card for a total of 20,500 cl. he said it could take 3 days, but it showed up today, Will be using the BT check for 20K with a 0% 12 months and a $75 max fee and depositing the check to my account. The rep told me that I can write the check to anyone including myself and it would be treated at the 0% rate.

Updating QS

largeeyes said:Is there a good thread regarding the use of credit report pulls to cause bumpage of past inquireries? Esp. regarding which service to use.

TrueCredit is great....that's what I've been using. I need to find an additional service myself that allows daily pulls because I think I'd like to pull 2x/day for a while and see if I can speed up the bumpage process since I have about 20 inquiries showing on EQ right now.

Not sure if there's a thread about all of the different services available to consumers for daily pulls....

Unbelieevable said:largeeyes said:Is there a good thread regarding the use of credit report pulls to cause bumpage of past inquireries? Esp. regarding which service to use.

TrueCredit is great....that's what I've been using. I need to find an additional service myself that allows daily pulls because I think I'd like to pull 2x/day for a while and see if I can speed up the bumpage process since I have about 20 inquiries showing on EQ right now.

Not sure if there's a thread about all of the different services available to consumers for daily pulls....

don't know about threads on daily pulls. I use TrueCredit. AMEX also has daily pulls but don't count on their score though as its on a slightly different scale, but it will do daily pulls for bumpage