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lhendricks92
- Senior Member - 1K
posted: May. 31, 2007 @ 6:29p
if you start that citi app and close the browser, citi will launch a popup and offer 10K points to continue. you can do this again for another 5K (total of 15K).
updated original posting to answer this question about the citibusiness card. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 2, 2007 @ 3:07p
even with 49% util showing on my current citi cards, my EQ FICO is 781. i will be launching this bad boy on Tuesday. stay tuned. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 4, 2007 @ 2:47p
Only soft pull CLI success was with BofA WorldPoints MC. 20K -> 24K. Discover and Citi required hard pulls to budge. Didn't want to try AMEX or USAA, as I have been fairly aggressive with CLI requests with those issuers in the recent past. Also, all reports reflect the balances in the OP. EQ Fico at 795.
Set for launch tomorrow morning.
Updated OP to reflect latest proposed apps. (Thanks to cardjuggler for the National City tip.) We'll see how many apps I actually initiate tomorrow. 27 is a bunch, although only 16 are personal. |
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jairocon
- Senior Member - 1K
posted: Jun. 4, 2007 @ 2:51p
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NorCalSci
- Ancient Member
posted: Jun. 4, 2007 @ 3:09p
Unfortunately it looks like the BofA 12mo/0%/No fee offers are gone. I almost applied for one of them on Friday, and I guess I should have not waited until today...
This would have been a good one for me since I already have large BofA lines and they are always good at shifting credit lines around.
Good luck on your AOR. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 4, 2007 @ 3:13p
just clicked through the link...seems to be there. if not, there's always BofA StarWars.
EDIT: uh, nevermind. i didn't click far enough. it's gone!  |
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NorCalSci
- Ancient Member
posted: Jun. 4, 2007 @ 4:02p
lhendricks92 said:just clicked through the link...seems to be there. if not, there's always BofA StarWars.
EDIT: uh, nevermind. i didn't click far enough. it's gone! I just tried the BofA NEA card app and it went through. It has 12mo/0%/$30 max fee terms. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 4, 2007 @ 5:47p
from the T&C...
"The NEA Credit Card ProgramŽ has been developed for NEA members and their families only. If a member decided not to renew membership, that person and his/her family will no longer be eligible to receive the preferred rates, fees and special promotions offered through the NEA Credit Card Program."
i'm sure they don't check, but i think i'll go ahead and pay the extra $45 and avoid the ethical dilemma. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 5, 2007 @ 12:41p
updated OP with initial results from this morning's AOR. i didn't request any BTs with the apps - that may be hurting my initial CLs. we'll see what i can do about CLIs at activation. |
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Leeskey711
- Frivolous Member
posted: Jun. 5, 2007 @ 6:48p
lhendricks92 said: BofA Business Power Rewards / approved / $25,000
Sweet! Nice job on that! I'll noticed people lately have been tending to get nice CL's on BofA Bus. Cards.
I for one will have to keep that one in mind for future reference. |
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abracadabra11
- Ancient Member
posted: Jun. 6, 2007 @ 9:36p
lhendricks92 said:...spoke to BofA business credit specialist - approved for $25K - BT of $22,500 on its way to a $0 balance USAA MasterCard. confirmed there are no balance transfer fees with this card.
So you did a BT to the USAA card from BofA? How do you plan on accessing this money? I don't think USAA will allow you to tranfer the money to checking or request a refund check for overpayment. Are you just going to do another BT from the USAA card to a card from Citi and request a check from them online? |
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lhendricks92
- Senior Member - 1K
posted: Jun. 7, 2007 @ 5:21a
USAA is credit balance friendly. You can request a cash advance to your USAA checking account for the amount of the credit balance. The transfer is instant. I've done this several times without incident. |
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abracadabra11
- Ancient Member
posted: Jun. 7, 2007 @ 8:37a
lhendricks92 said:USAA is credit balance friendly. You can request a cash advance to your USAA checking account for the amount of the credit balance. The transfer is instant. I've done this several times without incident. What about the limit of $2500 for cash advances? Do you just do multiple cash advances until the money is transferred? What's the largest amount you have transferred in a single day? What about billing cycle?
Note: $2500 is the maximum allowed online on my Mastercard account (CL is $30k) |
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lhendricks92
- Senior Member - 1K
posted: Jun. 7, 2007 @ 12:05p
yes, my cash advance page says that, too. however, i bet if you have a credit balance of over $2500, it's no problem to exceed that limit. i've always called to do the cc -> checking cash advance.
here's another data point to confirm |
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lhendricks92
- Senior Member - 1K
posted: Jun. 7, 2007 @ 12:17p
Some updates.
Nat City - Had to fax a signed copy of my application for the Business card. Just noticed the pulled a SECOND TU today and an EQ. EQ? I will be surprised if I get either the personal or business card now.
Chase - Sony card was approved for 14k. 5k was the temporary limit. The Business Rebate Visa was approved for 10k. Of the remaining 2 apps (a personal Marriott and a business Mariott), one has been rejected and one is still pending. CSR could not tell me which was which.
Merrick Hooters - Decided to look for a card I was sure would pull from TU, and I found this one. Instantly approved with an unknown CL.
RBS - Denied! Too many inquiries and new accounts. Should have applied earlier in the AOR.
Added my inquiries to the OP. I'm in Virginia. |
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abracadabra11
- Ancient Member
posted: Jun. 7, 2007 @ 6:18p
lhendricks92 said:yes, my cash advance page says that, too. however, i bet if you have a credit balance of over $2500, it's no problem to exceed that limit. i've always called to do the cc -> checking cash advance.
here's another data point to confirm Well, thanks for the heads up. This should prove very useful in my upcoming AOR. |
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markkundinger
- Senior Member - 2K
posted: Jun. 7, 2007 @ 7:39p
lhendricks92 said:RBS - Denied! Too many inquiries and new accounts. Should have applied earlier in the AOR.. You never know. An earlier inquiry might have bumped another card later in the list to a rejection. That's why, unless you have specific information to the contrary (FNBO), I generally recommend applying for cards in order of desireability. |
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lhendricks92
- Senior Member - 1K
posted: Jun. 8, 2007 @ 11:22a
Lot of news today...and it's mostly good.
citi - both business card were approved for $7500 each. seems kinda low, but i'll try for CLIs at activation. given citi's latest reallocation policies, i'm not sure my strategy here. I might consolidate the 6 month old professional into the business premier pass, and then do BTs on both business cards. if i could reallocate at will, i would do something fancier, like move most of the CL to the premier pass and BT. then, in 11 months, reallocate to the business MC and BT. any other ideas?
chase - the personal Marriott was denied - too many new accounts. i'm going to try for a CLI at activation for the Sony Visa to make up for this loss of potential CL. one fewer account is fine by me. 
infibank - approved, 15k
M&T Bank - Business Card approved, 25k, SWEETNESS! and CSR confirmed they can ACH a BT to my checking account as soon as i activate the card.
Merrick Hooters - approved, $18,750. excellent, no BT opp here, just improving util.
National City - personal Visa approved for $10,000. immediately requested a BT to my AMEX Fidelity gold card. i've done this before and the credit balance will automatically sweep into my Fidelity brokerage account when the gold card statement closes.
National City Visa Business - approved, initially for $9k, asked for more, was offered $15k.
PenFed Rewards Visa - approved, initially for $12k, asked for more, was offered $20k.
All and all, I'm quite pleased so far. I've already accumulated over $200K in new credit, and I'm still waiting to hear about 5 apps. |
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WalStMonky
- Happy Member
posted: Jun. 8, 2007 @ 11:54a
Just for information, the $2500 CA limit is for online transfers. You also have a $5000 CA limit in each rolling 30 day period, which is unadvertised. If you call on the phone the limit is your credit limit. |
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markkundinger
- Senior Member - 2K
posted: Jun. 8, 2007 @ 1:16p
Wow, nice round of approvals. citi - both business card were approved for $7500 each. if i could reallocate at will, i would do something fancier, like move most of the CL to the premier pass and BT. then, in 11 months, reallocate to the business MC and BT. any other ideas?That's probably what I would do, also. However, if the BT's are no fee, you could just advance off both, and you'd only lose the "opportunity" of a possible later BT. |
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