lhendricks92 said:speaking of which, not sure why you bailed on the M&T app because of the tax ID. there's an option for "sole proprietor," so i bet you could have just used your SSN.I don't know if I overlooked it on the application - but it seemed that without entering some kind of an EIN - it wouldn't let me go to the next page. Oh well - there will always be AOR 3.0

lhendricks92 said:anybody notice that kitsapfreeloader reds every AOR thread? you gotta problem with free money, freeloader?

huh? how do you know? how do you see who red or green a post?

UnixLab said:huh? how do you know? how do you see who red or green a post?

click on the rating (green, red, or just a black bar). you'll get a list of everyone who rated + or -.

lhendricks92 said:m&t pulled LATE in my AOR. already had at least 10 hits on EQ showing, and they still approved for $25K. might be worth a shot to try again.

EDIT: you actually have your own data point with your integra bank app, another elan card. that was pretty far down your list and you got approved.Trying the M&T Business App - and it still doesn't let me through to the second page: "! - Business Tax I.D. is not valid (e.g. 999-99)."

Even though I'm selecting Sole Proprietorship.

lhendricks92 said:dude, that sucks! how ridiculous.

EDIT: wait, isn't kkerty89 a sole prop? he picked up an M&T biz card in his latest AOR.I'll have to ask him - if I enter all zeroes in there - it let's me through to the next page.

djspray said:Nice post, jairocon.
1) Have you or are you calling to request CLI's upon activation for all of the cards, or just the ones you mention gave increases?
2) Why did you decide to call plead to the one's you did?The purpose of the AOR is to get as much credit as possible in one shot and most of the AOR is geared to using 0% offers. Higher CLs mean either higher amount of 0% BT lines available or lower overall utilizations once it all adds up. So sometimes you can actually get higher lines if you speak to a human. Then again - it's a hit or miss especially if they ask you how much of a line you want and you overshoot, you might lose your chance if they don't counteroffer. This way I only asked for $10k -> $15k initial CLI on PenFed, while lhendrick's asked for $12k->$20k. I think it all depends on how comfortable you are and how receptive the CSRs or underwriters are.

jairocon said:djspray said:Nice post, jairocon.
1) Have you or are you calling to request CLI's upon activation for all of the cards, or just the ones you mention gave increases?
2) Why did you decide to call plead to the one's you did?The purpose of the AOR is to get as much credit as possible in one shot...
I understand the concept (did one last November), I was curious as to why you chose to call the specific banks that you did. I didn't know if you had insight as to generosity of some banks' CSRs, or if you had experience with them before, etc.

lhendricks92 said:anybody notice that kitsapfreeloader reds every AOR thread? you gotta problem with free money, freeloader? jairocon, sorry to do this in your thread but this person irritates me as well, please no one respond further in this thread as i dont want it to get off track, i need to follow up on this, I say neg this dude;s only thread they even had the gaul to neg SIS faq thread. I'll go first.

Excellent job OP. Not going to do a silent pairing AOR this year, since I have other priorities.

Another pitfall might be that Citi seems to no longer reallocate CLs to low APR cards; you can still consolidate but this means another twist if you don't want to lose some rewards cards.

EG you have card A (which you want to keep it for rewards or b/c it has a long history) with some $25K CL, card B (you don't especially like, it was a good 0% card but that expired) and now you're acquiring a 0% card with a relatively low CL. My approach is to move most CL from A to B and consolidate only the B card with C.

adiganifatwallet said:Well written report.
You get 50% increase of your current total CL.
great.

I don't understand how you get a CL increase with BT offers? Can someone care to explain?