cardjuggler said:psychtobe said:Question: will Chase reallocate from Biz to Personal lines of credit?
Yes, per the CC Issuer FAQ.

BTW, please consider adding your data to Bhupathi's stats thread which makes a great reference. Two additional fields to include: # years of active credit, # inquiries BEFORE.

done. I don't have FICO scores, or recent inquiries. thanks.

psychtobe said:We reallocated all Chase CLs to the Chase Freedom with the exception of the $12k on the United Biz. For some reason the CSR said this couldn't be reallocated ...

Can't reallocate from business to personal credit lines.

Chase money BT'd to WAMU debit. It took 6 biz days - a little long, IMO, but it's there now. So I have $17,500 Discover money in HSBC; $40,000 from Chase in WAMU; and $30,000 from Citi in WAMU. It took nearly 6 weeks for the last of the BT money to appear from date of AOR.

I've never gotten a payment holiday from Citi, or from any other issuer when the APR is 0%. I'd send them a secure email asking through online account access so I'd have the response in writing if I were inclined to skip the payment.

took at look at the WAMU FICO score. It is 782, 2 months after the AOR. Don't know what it was before. Doesn't seem like anything we've done so far has had a major impact on her score. heck, she could practically do an AOR again with that score (but not her current utilization).

Additionally, Citi really didn't assess a minimum payment due for her first statement. Strange. I can't find any language about "no payments" or payment holidays.

update: I just today received my last 3 Cardoffers bonuses. This confirms 2 things:

a. it takes up to 3 months to get Cardoffers bonuses.
b. if you applied for more than 2 cards before the 2 card per year limit was in place, you should still get all your bonuses, even if all the eligible cards don't appear in your cardoffers.com account.

It's been over a month since the "no pmt due" Citi statement.
Did they ask for a monthly payment on the 2nd statement?

On April 25, 2007, it sort of dawned on us that we had actually applied for 2 AMEX Delta Biz cards and NO AMEX Delta personal cards. AMEX clearly told us we could not have the 10k mile bonus for each biz card. Thus we had 10,000 stranded, worthless miles in a DL account. So we applied for a personal card on 4/25/7 and as of today have been approved. Interesting to note that 3 months after a massive AOR involving 5 AMEX cards with $120,000 in new credit among a total of 20 aps, it was a simple matter to be approved for yet another AMEX card.

Credit score down to 748.