thisguy said:More updates. . .mo money, mo money, mo money.

Bank Atlantic Business came through with a big $40K line and our Kroger and Chase Marriott Business cards came through. More updates as I sort and process.

Stay tuned. . . we're almost to 1/2 a Mil in one AOR.

Thisguy

Bank Atlantic Business only allows 20K max to be BT in a single transaction. I remember reading someone's thread that mentioned they could access the remainder of their CL by doing a 2nd BT and incurring a 2nd $75 BTF. When I called, though, I was told that 20K is the maximum that could be accessed for BT purposes, no matter your credit limit.

gorenbeinx said:thisguy said:More updates. . .mo money, mo money, mo money.

Bank Atlantic Business came through with a big $40K line and our Kroger and Chase Marriott Business cards came through. More updates as I sort and process.

Stay tuned. . . we're almost to 1/2 a Mil in one AOR.

Thisguy

Bank Atlantic Business only allows 20K max to be BT in a single transaction. I remember reading someone's thread that mentioned they could access the remainder of their CL by doing a 2nd BT and incurring a 2nd $75 BTF. When I called, though, I was told that 20K is the maximum that could be accessed for BT purposes, no matter your credit limit.

Thanks that's helpful. I'll see what I can manage and report back when it's completed.

Thisguy

lhendricks92 said:man, leave some credit for the rest of us!

seriously, do you think it's the lack of mortgage that's helping your wife attract such big initial lines?

It just ocurred to me. Maybe it's because she has a Victoria's Secret card?

gorenbeinx said:Bank Atlantic Business only allows 20K max to be BT in a single transaction. I remember reading someone's thread that mentioned they could access the remainder of their CL by doing a 2nd BT and incurring a 2nd $75 BTF. When I called, though, I was told that 20K is the maximum that could be accessed for BT purposes, no matter your credit limit.

When I recently did my BT with Bank Atlantic, they told me that I needed to leave $250 in available credit after the BT fee. The rep said she would have to split the BT into 3 parts ($10K, $10K and $4675 on a $25K line) and that I would only have to pay one $75 fee. Of course, three $75 BT fees posted. I only noticed yesterday, so I'll call them Monday.

I had this thread on my fav's... but haven't looked at it since you first posted.

All I can say is:

WOW!!!

Great job, great documentation, great sharing with the community!

Updated again almost all results are in now. A Couple of Chase and citi cards still to go and some follow-ups. Next chores are finishing reorganizing lines and requesting BTs, making purchases, etc.

Will continue to update. It will be interesting to see how all of the BT action affects the credit scores. I am still not entirely clear on the FICO/FAKO deal but have been and will continue to report TrueCredit scores.

Cheers!
Thisguy

markkundinger said:thisguy said:we broke 1/2M today!!!
I've must be doing something wrong, I just don't know what yet.

Mark, for what you've reported as the HHI and BI you are doing about as well, so don't complain . If thisguy manages to get $1M of BT money (between him and wife), one member of the family can quit job for a year (not that it would be a wise step). Interestingly, he reports $50K for BI, which is coincidentally 5%x$1M .

You may next time consider reducing the balances on those where you had higher % used, especially since you had some with 0% usage. Heard of some turn downs simply for not using their existing cc.

Sorry: do not understand leaving good cushion---if main purpose is large BTs then you want to take as much a possible from the BTs.

thisguy said:markkundinger said:Hey thisguy, did USAA balk any at giving your wife a third credit card, and reallocating credit between them?

You know, your wife managed to get some really eye-popping initial credit lines. Of course, she had all of the ingredients 1) high reported HHI 2) good scores, and 3) individual cards with high lines already. But dayumn.

... Getting approved for a $30k BofA card when you already have 50k of credit
... Getting the ridiculous $50k AMEX Biz Starwood.
... Getting the $25k Citi Hilton when you have a $28k card carrying a balance.

No problem with USAA. In fact they even honored the targetted offer after its expiration. We were conservative in how we moved the credit though. After they approved the new AMEX for $25000 we had 25 each on AMEX and MC and anotherr MC with 34. I moved equally from the two MC cards to get 60 on AMEX and did a 30K BT request. This way it didn't sound like we were milking anything. leave good cushions all around and the banks are less likely to get concerned. As far as the limits I couldn't be more pleased. We also just called Nat City about the $9K line the issued on the business card we got and they upped it instantly to $35K over the phone. I have a lot more updates to make but I am traveling all this week and next for business so just managing all of this stuff is challenging. I will get to the updates as soon as possible but wanted to answer your questions first. Thanks for all your help and support.

Thisguy

More updates. Added Chase Home Improvement acceptance. Also if anyone is interested we have tried several times and have been consistently told that WAMU will not reallocate lines between cards. Has anyone been able to do this? If not then we can probably assume that it's impossible with WAMU.