Thanks to everyone that has contributed input thus far. I'm on vacation so I will go through everything and make changes and updates soon. Thanks again for all the help. It will be interesting to see how far we can push this. Between the two of us we already have almost 600K in available lines. I would like to get it to 1M and keep rolling the balances around. Thanks again for all of your suggestions!!

Thisguy

Southpaw75 said:Also, use this Link to get 25k bonus points instead of normal 15k for PP Elite (I think there is a fee however for BT)

I looked at that but I really want the BT opportunity. In this case I would be trading ~$100 in points for $250 in balance transfer funds. For me this is not a good trade. Still it would be a much better deal for someone who was only in it for the points.

Thanks for your help!
Thisguy

DickWhitcomb said:I've been told that not only can you not have two HSBC applications at the same time, you cannot even have two open HSBC credit cards at the same time.

I don't know if this is true, however, I was turned down for my second card that I applied for a year after my first HSBC card.

So I would apply for your favorite card first in case you only get one.
thanks for the tip. I have one HSBC card now but my wife doesn't have any. Maybe I can see if the rumors are true. I will definitely apply for my favorite first.

Thanks!
Thisguy

FYI, your Citi PP elite link requires 3% BT fee with $250 cap

I'm preparing my 2nd round AOR,too. Thanks for the OP

sonnysighedup said:You do realize that both the AMEX Simply Cash Bus and Discover Bus cards you've linked to have 0% only on purchases, not BTs - right?

You might add the Bank Atlantic Business card (0% BT for 15 months, $75 max BT fee) issued by Juniper/Barclays. (Props to kkerty89.)

I actually applied for this Discover card through the link in OP and app was deferred. I called today and it was approved for 6k with a 0% balance transfer until July of 2008. On top of that I told them that I wanted to reallocate from my personal to new business card to do a BT. She approved that and I did a balance transfer. As I could of sworn that I read here that the 0% was only for purchases, while on the phone I actually clicked on the link and asked her to verify that I have 0% until July of 2008 (the app clearly says a rate of 5.99%). She stated that it was definitely under the 0% terms.

By the way this was all done a few minutes ago and I just checked my Discover card online and they did reallocate the credit line.

speedclose said:sonnysighedup said:You do realize that both the AMEX Simply Cash Bus and Discover Bus cards you've linked to have 0% only on purchases, not BTs - right?

You might add the Bank Atlantic Business card (0% BT for 15 months, $75 max BT fee) issued by Juniper/Barclays. (Props to kkerty89.)

I actually applied for this Discover card through the link in OP and app was deferred. I called today and it was approved for 6k with a 0% balance transfer until July of 2008. On top of that I told them that I wanted to reallocate from my personal to new business card to do a BT. She approved that and I did a balance transfer. As I could of sworn that I read here that the 0% was only for purchases, while on the phone I actually clicked on the link and asked her to verify that I have 0% until July of 2008 (the app clearly says a rate of 5.99%). She stated that it was definitely under the 0% terms.

By the way this was all done a few minutes ago and I just checked my Discover card online and they did reallocate the credit line.

It's possible that the offer changed for each of these cards. I'm pretty sure that they were 0% BTs when I orignially linked them. I wonder if htey changed after you applied?

Thisguy

thisguy said:lhendricks92 said:Don't forget BofA business. Yes, they will charge you a BT fee (even though the promo page claims no fee for balance transfers), but several of us have been able to get the fee reversed. Totally worth the risk for a business card with a potentially high limit.

As far as WaMu, I would suggest asking for a BT with the application. Could explain the difference between a 7k limit (me, no BT requested) and a 30K limit (kkerty89, 30K BT requested).

good luck!

How were you able to get the charge reversed?

Calls and emails. I had a good case, as the promo page said "no fees for balance transfers" and the CSR who did the BT also claimed there would be no fee.

However, this deal may be off the table now.

thisguy said:lhendricks92 said:Don't forget BofA business. Yes, they will charge you a BT fee (even though the promo page claims no fee for balance transfers), but several of us have been able to get the fee reversed. Totally worth the risk for a business card with a potentially high limit.

As far as WaMu, I would suggest asking for a BT with the application. Could explain the difference between a 7k limit (me, no BT requested) and a 30K limit (kkerty89, 30K BT requested).

good luck!

To add evidence to your experiences. Our existing WAMU $30K line came from an application with a BT request during application.

Thanks for your help,
Thisguy

Hm-m, I put a $25K BT on my WaMu application, got a $12K CL.

I got a $25K line from WaMu with a pre-screened offer (1 year 0%, $75 fee) without a BT request.

Looks like good credit lines. Can't wait to see how much more you can get!