Squeezer99's 7-31-2007 AOR

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.

RagingBull said: Is Sony Style the only card left from Chase with 12 months 0% APR

i think its the only one left with a $75 BT. the rest are $199+ to uncapped.

got 2 emails from citi, approved for both business cards.

ok I received the Bank Atlantic Business rewards card today w/ $15000 credit limit. Activated it. Called CSR, they will not BT to a checking account or send BT checks. They will send convenience checks but they will be at the cash advance rate. So I will have to BT it to one of my Citi cards when they come in and do a credit refund.

Also received the Chase Sony Card w/ $6000 limit. Activated it. Will make a small purchase and then pay it off, and then transfer my credit limits to it and deposit the BT check that came in the welcome package.

Also received the Kroger 1-2-3 Rewards card w/ $12500 limit. Activated it, then called a CSR. CSR Said they can't BT to a checking account, but that a few days after card activation I will receive a welcome package and it will have a 0% BT check in it, and the CSR said I can make it out to myself and deposit into my checking account and it will be at the 0% BT rate.

Oh yeah I forgot about the 0% on purchases. This morning I bought a few bucks in gas for the purchase requirement.

I just got off the phone w/ Chase. Moved $14600 from my oldest card to the Sony Style, and closed my freedom card and moved the $1100 (they will let you move everything except $500 when consolidating cards) on it to the Sony Style card. Because of the large amount, the CSR said they'd have to do a hard pull. New credit limit according to the CSR is $21,700 on the Sony Style Card, and that is also showing up at chase.com after I log in. About to go to my local bank and deposit the 0% BT check into my checking account.

Juniper I Fly Rewards card came in with my $12500 limit. Welcome package w/ the card has one convenience check. Called and spoke w/ a CSR who confirmed if I write it out to myself and deposit, it will be at the 0% BT rate. Will make it out for $6000 and go back to the bank today.

Dude, those local banks are killing you with the holds. I got snared by one of those on my first AOR. Generally, now, I do one of two methods:

1) Ideally, deposit immediately into something that will yield interest/dividends (Either local Fidelity branch, or a Citibank money market). That way, even if I have to wait out a hold, at least I'm earning something.

2) If not, I worked out that it's probably more cost effective (and less aggravating) to just mail a check to the ultimate destination (FNBO or whoever). Even factoring in the lag for mail and the cost of the stamp.

... course the one caveat is I don't know how FNBO (specifically) would react to credit card checks. They might think you're a terrorist or something.

I know, I know. But I live in Jackson, Mississippi. There are no Chase or Citi branches here. We just got a couple of wachovia branches here and thats only because they bought out one of the local banks. And we have some Regions (large regional bank) because they bought out a different small bank company. The market here is served by many small bank firms.

BOA Platinum plus MC is showing up with $5k limit on bankofamerica.com login, and so is the NFL card w/ $2500 limit. I got the Iowa card from another thread for the $250 sign up bonus, and $3500 limit on the Bass Pro card. I'll see if I can consolidate the NFL card to the Platinum Plus card, and move most of the credit limit from the iowa card and Bass Pro cards to the platinum plus card as well. waiting for receipt of the cards first.

5 cards came in the mail today.

Got the US Bank Baylor Visa w/ 15k limit, called CSR, they won't send BT checks or BT to checking, will only BT to other credit cards. So I will BT to a Citi card and do a refund.

Also got Citi Professional.

Also got Discover Miles card w/ $8000 credit limit. Called CSR and they are mailing out BT checks. I confirmed w/ CSR if I write it to myself and deposit it in checking, it will be at the 0% BT rate.

Also got the citi drivers edge card.

also got the citi AT&T universal rewards card.

BT'd $7400 from Baylor Alumni US Bank Visa to Citibank AT&T Universal Card. US Bank mails them a physical check, so I hope it posts w/ citi since its a physical check and not an electronic deposit, and my balance is $0 w/ AT&T. i guess i'll know in a week or so. Also called National City about the letter they sent me saying they couldn't verify my info. Rep said that when you apply for a lot of credit at once, their system flags it and they just want to speak to you to verify your identity before mailing out the card.

Received BOA Platinum Plus MC today. Called to activate, spoke w/ CSR. Haven't received NFL card yet but he was able to re-allocate and consolidate my cards to have $19900 on the Platinum Plus MC, and then direct deposited $9900 to my checking account.

Even better, add your details to the AOR statistics thread. (Sorry if I sound like a broken record on this topic, but it really is a useful reference to cover a variety of HHI / account age / etc. combinations.)