Purpose: To put money into high yield savings accounts and then collect the interest.

Existing Credit lines and Balances:

1) Chase Platinum Visa 7.99% opened sometime 2004, 1415/17300
2) Chase Cash Plus Rewards MC Opened May 2006, 0/8000 (occasionally use at sam's club)
3) Chase Rewards Plus Visa Opened June 2006, 1400/6000 (this is my daily use card)
4) Chase Freedom Visa Opened a couple of months ago for the $250 bonus, 0/1600
5) Citi Diamond Perferred Visa 0% for Life Card Opened Feb. 2007 3400/5300
6) BOA Iowa Card Opened 12 days ago for the $250 Bonus, haven't received card yet, dunno the limit
7) BOA Bass Pro Shops Visa, Opened 7/28/2007 for 10% Off 1st Purchase I used that day, $3500 limit

Home Loan from April 2001, always paid on time. Car Loan paid off March 2005, always paid on time. When I checked my Equifax FICO in May it was 742. I don't have WalMart True Credit reporting.
Household Income is $76100. (42600 for me, 33500 for girlfriend). On the Business Apps I used her rent money that she pays me ($400/month) as the business income.

New cards:

1. Citi® Driver's Edge® Options Platinum Select® MasterCard® 0% for 12 months, no BT Fee, No annual fee Will use this card to BT other cards to and request BT refunds online. Approved $5300

2. Citi Professional 0% for 12 months, no BT Fee, No annual fee, $150 in points after 1st purchase. Approved $2500

3. Citi AT&T Universal Platinum 0% for 12 months, no BT Fee, No annual fee. Approved $3600

4. Citi Business Card w/ Thank You Network 0% BT for 12 months, no BT Fee, no annual fee. $150 in points. Going with A lot of citi cards because you can BT to checking on their website (new feature) or request a check online, and credit refund checks online. Deferred but let me set up my account options online (paperless billing, due date, etc)

5. Citi Business Premiere Pass Card 0% for 12 months, no BT Fee, $75 annual fee waved for the first year. $150 in points. will cancel this card after used for BT. Deferred, but let me setup my account options online.

6. Chase Sony Style 0% BT for 12 billing cycles, $75 Fee, no annual fee, $100 statement credit after first purchase. Comes with BT Check in Welcome package. I will call Chase after receiving card and reallocate $14000 from my Platinum Visa to it and all of the Chase Freedom, and then do a BT for 49% of the credit limit. Approved w/ Temp limit of $5000

7. Bank of America Platinum Plus MasterCard (2nd card on page)0% BT for the 12 statement closing cycles, no BT Fee, no annual fee. Will call BOA after receiving card to BT to checking account. Deferred.

8. National City Visa 0% BT for 6 billing cycles, no BT Fee, no annual fee. will BT to citi and get refund. Deferred

9. Bank Atlantic Rewards Business Card 0% BT for 15 billing cycles after account opening, $75 BT fee, no annual fee. Will BT to Citi if they can't BT to checking/send check. Approved $15000.

10. Juniper I Fly America Card 0% for the first 12 billing cycles. $50 BT max Fee, no annual fee, $15 statement credit. Will BT to Citi and request refund if they can't BT to checking or send check. Approvved $12500

11. Kroger Personal Finance Card 0% BT for 12 cycles, $75 Max BT Fee, no annual fee. Has the option to send a BT check on application. I put down a $10000 BT check to myself and was approved for the card, but it didn't say for how much or if the BT check will be approved.

12. NFL Extra Points CC0% BT for 12 closing dates, $75 BT Fee, no annual fee. Submit my application, hit no thanks on the magazine offer, and then it took me to the NFL rewards login page, so I don't know if i was Approved/Deferred.

edit: fixed a typo

Looking good. Hopefully after this month I can do a limited one.

markkundinger said:Wow, you got a huge percentage of instant approvals. Looks good so far.

thanks, I was hoping for bigger limits on the citi cards, but i'm not surprised at what I got because of my short history with them. At least their BT's are no fee, so I won't have to bother with consolidating them.

markkundinger said:The citi personal instant lines seem similar to from my first AOR with them.

Anyway, consolidating those citibank lines can have two valuable effects:
1) It reduces the number of cards that carry a high balance, which might help your FICO a little.
2) It lets you "save" the 0% deal on the second card for 11 months, and then you can always restart it if you want.

Unfortunately, there is a very good chance that Citibank won't let you reallocate between personal cards, in which case you might as well go and do each BT individually.Citi seems to give different answers about consolidation each time you call. You definately need to consolidate between MC & MC or Visa & Visa, but they also often do not allow consolidation from an old card to a new card with a 0% promo (although I have done this, but only after trying 3 times with three different cards first . I say persistance is key!

only applied to one chase??? Chase has some of the best rewards for new applicants! Plus you can then consolidate your lines to just one account prior to BT, so you won't have to deal w/ so many accounts for making the monthly minimum payment.

applied to #9, instantly approived!!! CL 12K

then applied for #10, filled out app and hit apply...... sent me to form#9, i realize its from the same bank. any advise on how to apply for #10??? without it reverting back to form of #9?

thanks OP, green for #9

tzilla said:here is my mini AOR today


6. Chase Sony Style - Approved instant with 27K line
9. Bank Atlantic Rewards Business Card - approved instant with 20K line
10. Juniper I Fly America Card - Approved instant with 17500 line

dont plan to apply for any others. pretty happay to get good healty line of credit

Thanks - OP.

tzilla, that's not even a micro AOR, just a few apps. c'mon, with CLs like that ya gots to keep going!

Squeezer99 said:
i'd rather just to BT's on all of them, pay them off at the 11th month and cancel them (since you can't consolidate/reallocate onto new 0% cards), and apply for new cards with whatever 0% BT offers they have in 11 months in a new AOR. I'm leaving one personal available (and one business available if i have to) to do refunds on, and after I get all the refunds, then i'll use them for their BT offers as well.

.. pay them off at the 11th month, but don't cancel all of them. Consolidate them into one. this will:
1) will not increase your overall utilization it compared to the cancellation
2) will make it relatively easy to re-allocate (only one card to re-allocate from) to 0% card in the future should the issuer decide to be more flexible on reallocations or you just get a nice/willing CSR (which you may on your nth try)
3) in (perhaps, distant) future will do you good as far as the age of your credit goes

Citibank only rarely offers what they call the "ACH option" of direct deposit to a checking account. I suspect it tends to be on more established accounts.

Generally I recommend sticking with the sucky checks, unless you have a debit card which is a sure thing.

received an email from US Bank for the baylor alumni card i applied for. all it says is that i was approved and that i'll get the card in 7-10 days.