On 8/6 ordered convenience checks online for my BankAtlantic Business card (per credit card issuer FAQ, BT checks was yes). I thought conv ck=BT ck NO way! TT Chantelle 8/11 and she said NO BT checks are ever issued. She said the conv checks I ordered online were CASH ADV rate not promo BT rate.

Checks arrived 8/13. I called "Lorell" to confirm understanding and ask for BT checks as check book reads: ...these checks give you the flexibility to access your available Cash Access Line at any time...your Cash Advance APR applies to these checks. I told her I wanted to pay several creditors but did not want to pay 3% for 9 BT's. I asked if ACH was an option = "NO." I asked if check to myself was an option = "use the convenience (cash advance) checks." Lorell advised me the only way to use the BT option is to BT another credit card.

I BT'd $20,000 to my new Citi UPROMISE (cr refund later) and $9,500** to my new ATT Universal card (cr refund later).

**I tried in vain canceling this $9500 transaction with "Denise" as I realized it was over my limit. I called immediately to change the amount and was told to call in before 3PM cst to modify the amount. Damn I hope this doesn't mess up the whole enchilada! I'll repost later the results of my 3pm call.

8/13 rec'd letter from Discover regarding my cli request. letter dated 8/8: "...INSUFFICIENT EXPERIENCE WITH CURRENT DISCOVER CARD CREDIT LIMIT."

8/11 req CLI with BankAtlantic Biz... almost immediate email followed We're sorry that we couldn't fulfill your request for a credit line increase because further credit cannot be granted without financial statements information. You'll receive a letter within 7 to 10 days listing the documents that should be provided for further consideration

An inquiry just showed up today at Experian(8/14) for the 8/11 request. I asked them, why was an inquiry done 3 days after initial request. Credit rep explained it's standard as part of the review and that a secure message related to my bureau pull was sent to my inbox today. I see nothing as yet. I'll check later.

8/14 9:30am cst I'm attempting 2 BT's. One BT would put the balance over the line (20k+9.5k=29.5....cl=29k). I'm on the phone now to try and reduce my erroneous 2nd request for 9.5k. Still no record of BT's 2 hours after submitting them online.

8/14 3:30pm cst No record of requests.
8/14 7:55pm cst No record of requests. told to wait until tomorrow following after midnight postings.

8/15 9am cst THEY STILL DON'T HAVE RECORD OF THE TWO REQUESTS. "Denise" AGAIN STATED TO CALL BACK BEFORE 2PM CST TO SEE IF THEY SHOW UP. I SAID, "I don't mean to sound crass, but I was told that yesterday." She replied politely "this is the best option for you at this time. If there was something more I could do, I would."

8/13... kristi called from Pulaski Bank to verify employment... I answered the call and transferred her to HR. She called me 10 minutes later: "we verified employment but still need a nearest relative."

I didn't think they actually verified that crap. I simply put my brother's fname with city and zip. for the addr1 i put "no way" for addr2 i put "in H_LL" I happily gave her my brothers REAL info with a laugh. She said a few of the 'other girls here' thought it was funny too.

WTF.... are they cross-selling to my brother? or just using him for collections' contact...?

Huh, nearest relative is a little strange.

Is there any particular reason you requested BTs from BankAtlantic that would put you over your limit?

jackcrawfish said:8/13... kristi called from Pulaski Bank to verify employment... I answered the call and transferred her to HR. She called me 10 minutes later: "we verified employment but still need a nearest relative."

I didn't think they actually verified that crap. I simply put my brother's fname with city and zip. for the addr1 i put "no way" for addr2 i put "in H_LL" I happily gave her my brothers REAL info with a laugh. She said a few of the 'other girls here' thought it was funny too.

WTF.... are they cross-selling to my brother? or just using him for collections' contact...?

I would not touch Pulaski with a 10ft. stick, no matter how sweet their card(s) may appear. They pulled my CR, then said they'd need some personal and (imho) rather irrelevant info faxed/mailed to them. After I'd sent the info to them they denied me citing too many inquiries (they could have done it right after they got the CR , darn hypocrits).

SAID ANOTHER WAY:

SITUATION:
07/30/07
$15,000 Approved for CitiBusiness Card. Many thanks to OP - I still can't believe it..

08/15/07
With one rep/same call reallocated $3,500 from personal ATT Universal card, $7,500 from personal Professional card and $2,000 from personal PremierPass Elite. In total $13,000. I was expecting to see a credit line of $28,000.

QUESTION:
08/16/07
Online I see all three reallocations succeeded** However:

$3,500 was sent to the "Employee Line" (aka card account) new line = $18,500.

$7,500 + $2,000 was sent to the "Access Account" (aka managing account) new line = $24,500.

In my experience it takes a few days for parent/employee lines to settle down, but you should end up with the full amount eventually.

And congratulations on reallocating away from the PPE, that's a nut I haven't been able to crack.

markkundinger said:In my experience it takes a few days for parent/employee lines to settle down, but you should end up with the full amount eventually.

And congratulations on reallocating away from the PPE, that's a nut I haven't been able to crack.
Thanks for the info... No change as of this morning....

Wells Fargo fraud department called on 8/16 regarding the 8/11 inititated transfer to checking. I said it was fine and verified information.