Yay, FR is over, AND they gave me the 20K increase that they originally denied me.

My AMEX CL is now about 50K

Nope, everything is still open.

So should I try another CLI?

What all did they require from you and what did they accept. Did they accept the paycheck stub and a note or did they insist on more?

I gave them the form to pull my 1040, and also attached a letter explaining my part-time student status and my paystub (and my housemate's) justifying my 115K HHI. Not sure if they looked at it or not. Seemed to be pretty much a formality.

hiroler said:i cringe when i see people apply for 3 citi cards.. seems like they only ever will give you 2, and you always get 3 pulls, rather than just a sorry letter.

I applied for a Citi AMEX, Professional, and Business TYN and got them all... and I already had three existing cards with them (one with a 24k balance). Maybe the two cards you are referring to are two personal.

Hey, I am trying something, wonder if anyone else does this.

Since I still have 0% no fee BT offers for Citibusiness and AMEX IN:NYC (and plenty of room on both), any feelings on making all my minimum payments via BT? I know some BT can take more than a week, so I have to be on the spot, but they should work, correct?

I was trying to keep my utilization respectible, so citibiz was at about 87% to start. Now it is down to about 83%. INNYC was at 50%, but with a CLI it's down to 30. Since I can't pull a check from them, and don't want to get hung up laundering with only 3 months left on my offer (and thanks to SECU CD, little wiggle room to cover any delays)

Well, Mark, I'm joining you in noob! finance charge land.

I got hit with a finance charge on my IN:NYC. Apparently the BTs I did to make the minimum payments (as mentioned above), got chalked up as purchases. I checked the website BT page, and it indeed says the rate will be the same as purchases (though I could have sworn that's not what it said a few weeks ago).

I'm not too worried though. For the next couple months of my intro period, the $510 at 15%APR should not put a major bite into my profits.... But I'm not going to use BTs to make minimums anymore.

Updates and an mini-Bonus-o-rama.

Haven't updated in a while... in short

I added a targeted Wachovia card. No fee 0% BT for 6 months. The deal was expiring so I took a chance. Got approved for 7500, to out $6750. Hit on TU

I then decided to jump at the Southwest cards deals through chase.

Chase Southwest(approved, 10K) hit EQ - $59 fee, 16 RR credits
Chase Southwest Biz(approved, 15K) hit EQ - $59 fee, 16 RR credits

Reallocated the limits to my chase sony and chase biz cards. Tried to cancel to get the annual fees back, but was told both times they would take the credits back. Plan to cancel in late Jan after I use the trips.

Also applied for

Chase United Mileage Pluswith the 25K miles after $250 spent (pending)12/17 hit EQ
Amex Starwood Business Preferred Guest Card(denied - multiple reasons hit) EX
Chase Marriott Business, free night + 20K pts, (deferred) 12/18 hit EQ
Citi Hilton HHonors 15K pts, $25 cardselection (deferred) 12/19

Other Bonus sought

Did the Fidelity thing (with AOR money so I'm including it in the results)

$100 credit
15K United Miles - 10K still pending

The Southwest ones were from last month. We'll see. If I can get the united pts, I'll use that for one of my upcoming flights, and sell the SWA ticket. And if I miss on the Marriott, then then I have the Hilton as a backup for a free night or two.

I figured it's a little risky, but I figure my results will be interesting, so i thought I should post it.