Got home today to some mail I was interested in.

ADVANTA BUSINESS CARD arrived - 12.5k limit
AMEX Preferred Rewards Card arrived - no preset limit (10k rewards points will be mine!)
Chase Business sent me a letter stating that I had submitted 2 applications and that one was not even going to be reviewed. Didn't specify which one, so I'm just waiting until I get a card in the mail to see which one was approved to be able to tell one was denied

Also, I called National City again and here's what happened. The Elite card I signed up for was discontinued on 3/1 (the day after my AOR) so they think that their system did a dump of all of the applicants that applied for that card on 2/28 (real nice to know...how organized!) but they were nice enough to approve me over the phone for their new card (can't recall the name) that has the exact same features/benefits/rewards as the Elite card did. 12k limit.

I'll update the OP with all of this information later tonight or tomorrow.

What was the chronology of your CLI's, CC apps and savings account apps? What would you recommend? Should they be all done the same day or does it even matter?

Unbelieevable said:FYI - I plan on calling ADVANTA tomorrow to see if they will do BT to checking as others have posted that they have been able to successfully get them to do.

Mission accomplished. Advanta told me this morning that the $12,000 of 15 months 0% BT money should be in my bank account by ACH within 3 business days. 3% fee w/$50 cap makes this very nice!

Also, yesterday I received a welcome packet from CitiBanking for the checking account I opened with the 20,000 TY points bonus. The welcome packet clearly states that I will receive the 20,000 TY points after complying with the guidelines. ($1500 deposit AND 6 months of direct deposit OR billpay for 2 bills/month)

trades411 said:Unbelieevable said:Also, yesterday I received a welcome packet from CitiBanking for the checking account I opened with the 20,000 TY points bonus. The welcome packet clearly states that I will receive the 20,000 TY points after complying with the guidelines. ($1500 deposit AND 6 months of direct deposit OR billpay for 2 bills/month)



sounds like a success...does chase do a soft for a cli request (like AMEX). FYI - BofA did a CLI with a soft on my worldpoints plat....

Probably soft...not sure how to tell for sure. I've listed in the OP all of the inquiries from my credit report starting 2/28 - present.

Yesterday was a big day for the mailbox. I received 5 cards.

BOA WorldPoints Platinum Plus
Discover Miles Card
Citi Professional Card
AT&T Universal Card
PNC Personal Card

BOA was a stickler about not waving the BT fee, or even lowering it much. They stuck to their 3% no cap, except when I told them I was interested in a $20,000 BT, and they offered to knock it down to $500 instead of the $600 it would have been. I told them no thanks.

Still waiting on the Discover Miles Card BT checks. When those arrive, I'll put them to good use.

Same with the PNC card - waiting on the BT checks to arrive.

Just added A CLOSER LOOK AT AVAILABLE CREDIT BEFORE AND AFTER at the bottom of the OP.

Also, completely updated the OP everywhere else.

Unbelieevable said:<snip>
(now with TrueCredit triple score monitor, pulled again today-no idea why the big change in EQ score)
<snip>
(Citi Credit Monitoring offered me a triple pull before canceling their trial, so this is a different service...very odd how different it is)These are "FAKO" credit scores and have little relation to real FICO scores, and it's not surprising at all that one company's FAKO score is so different than another companies FAKO score. FAKO scores are not much more than a barely educated guess as to what your credit score is based on what's in your credit report.

Today I received the United Mileage Plus BUSINESS Card, which I wasn't aware yet that I had been approved for...$2,500 limit. Also received the HSBC card with the $600 limit that I may not even bother to activate unless they want to give me a higher limit because there's no reward bonus or benefit with that card and that limit.

I have thus far completed the following balance transfers:

National City - $10,700 (to Kawasaki Card - will be used to pay off $10,700 balance)
PNC Personal - $10,000 (to Kawasaki Card - will be refunded to me via check because of overpayment)
SonyCard - $25,000 (used BT check included in envelope with my card)
Discover Miles Card - $5,000 (used BT check sent via mail to me)
ADVANTA - $12,000 (BT to checking over the phone, simple)
-----------------------------
TOTALS - $62,700


This BT money will be split up between my Savings accounts setup per the OP. I will probably do more transfers, but I am waiting for the rewards purchases to process on several cards first (such as the CITI cards in particular) so I can pay off the purchase before doing the BT.

I believe I would leave it on the OP list just for the benefit of those considering an upcoming AOR. Just add a one line explanation that you forgot to apply. The terms for that card look good so it may help someone later if they can get large enough CL. Thanks for your work. It is very interesting.