I still haven't seen the parent/employee lines "settle down" per my CitiBiz Post. Should I call?

Also FYI... I was mistaken in my understanding of successful reallocation from personal PPE.

I reallocated the Business Premier Pass card - not the personal PPE. I have no record of applying for the BIZ Premier Pass but I do have record of the personal PP Elite. This is why I misrepresented the reallocation. Sorry all, for the mix up.

I didn't even try to reallocate the personal PPE to CitiBiz. I simply called to consolidate the line to my high daily use PlatDivSelect card ($75 annual fee on the PPE and such).

I called 08/20
Rep was confused by why the lines did not match up. She said she couldn't adjust lines. She referred this manager for review (uh-oh). Sd to check this in the morning.

I called 08/21
lines for both parent and card accounts now show 18,500. My Professional (7.5k) and Business PP (2.0k) disappeared from the parent account. I called and spoke with "Glo" and she said those lines are being worked. She saw that the lines have been reduced on the Prof and BPPass cards 8/16 and it "should settle down soon." (her words exactly).

When I asked why the $3,500 from the UNIVERSAL settled more quickly, she could not say for certain. I didn't bother explaining the parent account saw the 2 missing increases while the child account did not - I am assuming the corrections are being made....we'll see

The AMX check deposited to spouse's brand new HSBC checking account posted 08/21. I inquired via email as to when those funds could be accessed. Here is the response:

• Your deposit for $25,640.00 posted to your account August 21, 2007. Check deposits typically take 2 to 5 business days to clear with the funds becoming available in increments over that time period. Check deposit availability is at the branch's discretion and may depend upon the deposit amount and the location of the bank of which the check was written against (out-of-state vs. in-state).

My question is: Irrespective of their policy, should I link my wife's account to FNBO anyway (my name is nowhere on the account)? Shuld I attempt a transfer from her account to mine? Will [linking]-[transferring from] her account raise flags at FNBO and will they close my account down? Or merely remove the link to hers?

I'm still noob material... thoughts anyone? A few links already researched were this post and and this one

I have no advice on FNBO, but I don't usually recommend making a BT deposit directly into a checking account, unless it's bearing a good interest rate. That's because a large check can routinely have the first $5k put on hold for 2/5 days, but the amount over $5k can be put on hold for an additional five or so days. We're talking about two weeks here.

Since I'm lucky enough to have a Fidelity branch in town, I just deposit there and it goes in the money market (holds before withdrawal are about 4 days). If not that, I'd deposit to a local high yield savings account with citibank. Failing that, I'd just mail the deposit directly to whichever institution I wanted it to get to, with the idea that losing a couple days in the mail is better than losing a couple weeks in the checking account.

markkundinger said:I have no advice on FNBO, but I don't usually recommend making a BT deposit directly into a checking account, unless it's bearing a good interest rate. That's because a large check can routinely have the first $5k put on hold for 2/5 days, but the amount over $5k can be put on hold for an additional five or so days. We're talking about two weeks here.

Since I'm lucky enough to have a Fidelity branch in town, I just deposit there and it goes in the money market (holds before withdrawal are about 4 days). If not that, I'd deposit to a local high yield savings account with citibank. Failing that, I'd just mail the deposit directly to whichever institution I wanted it to get to, with the idea that losing a couple days in the mail is better than losing a couple weeks in the checking account.Agreed. Savings would have been better than checking.

(1) My wife had zero accounts soley in her name at the beginning of my AOR. (2) Concern from AMX that if I deposited a BT check into a joint account that bore my name anywhere, the check would be treated as CASH ADVANCE. (i know, MikeR - you said the rep was wrong but I played by the more conservative of rules with this one). So, I opened a checking (oops) account in her name soley (in hindsight I should've opened a savings).

• There have been more than a few "I-should've-done-this" type of strategy blunders on my part with this first run. I'll add my learnings to the OP later this week.

Pulaski sent a letter declining my application for credit.

• The reason given was: Unable to verify employment.

I also received a CLI declined letter from M&T (Elan) for the following principal reason: Missing Authorized Officer signature

markkundinger said:I have no advice on FNBO, but I don't usually recommend making a BT deposit directly into a checking account, unless it's bearing a good interest rate. That's because a large check can routinely have the first $5k put on hold for 2/5 days, but the amount over $5k can be put on hold for an additional five or so days. We're talking about two weeks here.

At my bank, Union Bank of CA, they will put holds on BT checks over $10K that I physically bring in. However, large electronic deposits from CC issuers have no hold period.

-Pak

Whoah, check holds are a common issue with deposits made at many banks, and to some extent, they're good policy by the banks (to avoid check kiting). That isn't too space monkey-ish.

From the monstrous FNBO thread, their account disclosures say they pay based on "collected balance", but FWF questions to CSRs have implied they pay off nominal ledger balance.

I'll find out in 3 days on my own account, as I made both check and ACH deposits.

Saw the FAKO pain with EQ today. Balances beginning to report now with a 21 point drop at that bureau (111 point drop since beginning of AOR).

Interestingly, EX reported the 64,100 line from AMX and my score dropped 19 points.

When requesting CLI's for accounts which pulled TU on the front-end, would it be safe to assume TU on the backend as well? I may pull the trigger and CLI request for the NAT'L City card once the Inq falls off(personal utilization might be helped).... BRCLYSBANKDE did fall off today... I may ask for CLI for the business account (for realloc during 2.0 in 2008)....

Thoughts anyone? Threads anyone?