jleung said:Current pending actions (8/22):

1. Should I call to request CLI on my existing Citi CCs now?
2. Should I call to request CLI on my existing Chase CCs now?
3. Should I call to check the application status of the Chase CCs? I am afraid something similar to Citi will happen, when they check how many cards I have applied in total.
4. I did not succeed in 2 of the business card applications: Advanta and Capital One. Are there any other business cards that I should still apply now?
5. Should I cancel my existing Capital One, wait for 48 hours, and apply for a new one?
6. Anyone has a better link to the Wamu business card application? My link in OP has 0% BT 12 months, max BT fee $75, but it doesn't seem to work. The one on the Wamu web site is 0% BT 6 months, no max BT fee.
7. Still need to deal with the AMEX Business Blue CL fiasco.

I DON'T KNOW if you have already called Chase to ask for CLI on your other accounts, if you have not called them yet.....GREAT because DO NOT. If they pull your report now and see "a million inquiries ", on your CR, the result may not be what you want. And if you are wondering what exactly is going on with Credit Card issuers, here is a link: (Chase is becoming the worst nightmare outside AMEX): USAA, CHASE are like the NO go to guys right now.

http://online.wsj.com/article/SB118773982869404682.html?mod=money_page_left_hs

back off the CLIs - i agree.

as far as WaMu, my wife was recently denied on a WaMu business application because she had already applied for a WaMu personal within "the last 2 months."

That's a good point, the only guys you'd be likely to get a CLI from are from lenders otherwise "unengaged" by your orama: Patelco, Target, and Macy's.

markkundinger said:BTW jleung, I'm proud of you. Schooling newbies on the right topics to search for info from within your own virgin AOR. Now the student has truly become the master.Thanks for the comments. I am still a novice and I am just sharing what I am learning in the forum. There are still a lot to learn down the road.

To me, it is the game plan, tactics with different issuers, dynamic changes with rules of thumb, the ambiguous and inconsistent responses from the CSRs, the YMMV of the results that make AOR strategic and challenging.

It is a different kind of fun comparing with doing rebates. I mean those with multiple rebates, using coupons, and involving price match.

Another similarity between AOR and rebates is, both types of CSRs are as clueless and mis-informing.

jleung said:When I ask the CSR if I can increase the CL, she said that for Wamu, the CL will not be increased upon customer's request. It is initiated by Wamu periodically based on the CC usage, etc.

Well, after talking to different CSRs in the AOR, I am not sure if I would just believe what she said.
That's also what I've been told by WaMu reps on 2 occasions.

lhendricks92 said:not to hijack your thread, but i don't quite get the logic of requesting CLIs on old cards if you're actively engaged in A.O.R's. Every lender has a maximum total CL they are willing to give you. You're essentially asking for CLIs by applying for new cards. Asking for ADDITIONAL CL on old cards has got to raise some red flags (and possibly cost you additional inquiries), with very little upside to the risk.Here is some of my logic:
1. I do not know if I have hit the maximum total CL. Maybe after the AOR I am still not at the max CL yet. Is there a way to check for each issuer?
2. Does EVERY issuer have a maximum total CL for each applicant? Does the max CL apply to personal and business CCs separately or together?
3. Request CLI can lower the overall utilization, even though I do not plan to use, e.g. Patelco.

jleung said:lhendricks92 said:not to hijack your thread, but i don't quite get the logic of requesting CLIs on old cards if you're actively engaged in A.O.R's. Every lender has a maximum total CL they are willing to give you. You're essentially asking for CLIs by applying for new cards. Asking for ADDITIONAL CL on old cards has got to raise some red flags (and possibly cost you additional inquiries), with very little upside to the risk.Here is some of my logic:
1. I do not know if I have hit the maximum total CL. Maybe after the AOR I am still not at the max CL yet. Is there a way to check for each issuer?
2. Does EVERY issuer have a maximum total CL for each applicant? Does the max CL apply to personal and business CCs separately or together?
3. Request CLI can lower the overall utilization, even though I do not plan to use, e.g. Patelco.

Yes, I understand the benefits of higher limits. I'm just saying that the risk/reward trade-off should be considered. If I was CitiBank, and someone had just applied for 8 new cards AND wanted more credit on their existing lines, I might get spooked. I'm questioning if calling extra attention to your credit activities by requesting CLIs is worth it.

As Mark said, it's a different story with CLIs from other issuers that are 1) new to you or 2) less involved in your A.O.R. - go for it.

Nice job with Patelco CLI - did you have to send docs? If so, what, exactly?

M&T Bank Business Platinum Rewards Card
- Got a call today (8/23). CSR asked the business name and I said I used my name as business name. And there is no business license. I told her I am selling stuff on eBay. Since I used the home address as the business address, she said that I need to submit lease agreement and pay stub.
- 15 minutes later, she got back. She talked to her supervisor and said that they need business license. Just selling something part time online is not considered as a business. They cannot continue to process my application. Application is denied.

Discover Miles Business
- Got a call today (8/23). CSR knew that I had a personal card and another personal card under application. He told me that no more new credit can be granted. I can either cancel the business card application, or wait until the new personal card is approved and re-allocate some credit limit to the business card.
- From this thread, sole proprietorship will have their business credit reported to the personal credit report. If this is the case, should I just drop this business card?

Citi® Platinum American Express® Card
- 8/23: Received email that application is denied due to > 2 applications within 60-day period.

If a business credit card isn't going to appear on a credit card, it doesn't matter if you said you're a sole proprietorship or an S-corp or whatever. They don't 'tweak' the credit reporting that much.

The USBank Baylor card seems like a good idea, since you didn't apply for any of their other cards, right? The GM Biz card is Chase, so that will be your third business app with them, it will be interesting to see how that turns out. And HSBC is always interesting to see if you get a chump credit line or not.

FYI, M&T is Elan, which is US Bank.