vcxzfdsa said:I thought advanta only allowed one card. Since you got one already. I don't think you'll get another??
You are correct. They only allow one card. It would be interesting if you cancelled your current one and reapplied. No one has tried/posted about that as of yet, and I'm curious if this is the way to get another 15 month 0% BT out of them.

djspray said:vcxzfdsa said:I thought advanta only allowed one card. Since you got one already. I don't think you'll get another??
You are correct. They only allow one card. It would be interesting if you cancelled your current one and reapplied. No one has tried/posted about that as of yet, and I'm curious if this is the way to get another 15 month 0% BT out of them.

If I cancel my current one, how long does it take before I can apply for a new one?
Hmmm..., does it mean that I should drop it ......

jleung said:djspray said:vcxzfdsa said:I thought advanta only allowed one card. Since you got one already. I don't think you'll get another??
You are correct. They only allow one card. It would be interesting if you cancelled your current one and reapplied. No one has tried/posted about that as of yet, and I'm curious if this is the way to get another 15 month 0% BT out of them.

If I cancel my current one, how long does it take before I can apply for a new one?
Hmmm..., does it mean that I should drop it ......
I'm not really sure how long they would require to churn a new card. If you aren't using your current card for a BT, and don't mind losing the (now) crappy reward structure, it might be worth a try. I realize you have a decent CL of 7.5k, so I guess its a gamble. I've seen over half a dozen people try to get a second card from them claiming different business names, "I don't even know who that person is at my business," etc. and they don't budge.

jleung, take a look at this archived thread for more details on how many citibank cards you can apply for. Citi Apps thread
2 months ago, I was approved for: Business $12K, Business PremierPass $6K, PremierPass Elite $20K, AT&T $7.5K, Driver's Edge $7.5K, Professional $15K, HHilton Honors $25K and Business AAdvantage $40K in that order. I had no other open Citi cards at the time.

I suggest you find out which CRA your applications will likely pull and try to avoid excessive Experian pulls because you will not be able to bump them off (unlike TU and Equifax). Here's a Credit Pulls Database from creditboards. (You'll need to register)

I used cardselection for as many apps as I could and already cashed one $115 check and have another on the way after 3 citi and 1 chase apps required extra legwork. Here is the list of apps that I went through cardselection:

Date Card Reward Status
08.14.2007 Citi® Drivers Edge Credit Card $25.00 Paid
08.14.2007 Chase Platinum Visa® Business Card $40.00 Paid
08.14.2007 Citi® Hilton HHonors® Visa® Signature Card $25.00 Paid
08.14.2007 AT&T Universal Rewards Card $25.00 Paid
07.17.2007 IN:NYC® Card from American Express® $30.00 Paid
07.17.2007 American Express SimplyCashSM Business Card $60.00 Paid
07.17.2007 Advanta Platinum BusinessCard with Rewards $25.00 Paid

I agree with some others that you need to reel it in a bit. Try to be more picky about which personal cards you apply for from the major issuers and try to find more business cards from smaller banks (like the BankAtlantic and M&T that you have listed and this Fifth Third Bank Business MasterCard (0%, 12 months, no fee) that you don't. The reason is that you can max out all the business credit lines without causing much if any adverse action, while if you use more than 50% of your reporting personal lines there will likely be some consequences. I've been reading about a lot of account closures from Chase recently, in particular. Dave Hanson's thread that you referenced as BT3 should be studied to help guide your strategy moreso before than after the AOR.

Link here

You should apply for the AMEX Business Gold Rewards card. 25k Membership Rewards points after first purchase, which can be turned into miles. First year fee waived... and you might get an offer to get an additional 12.5k points by adding authorized users for free.

Try to not say "substract"
Questions:
- Are there any other cards that I should add or substract?

It's a good list - just too many. Save some for your next app spree.

OTOH, from a purely selfish perspective, i'd love to see you pull the trigger and see what happens.

lhendricks92, maybe I will fine tune the list more.

dragoon976, the list is already in the order of application. Any comments?

I would drop *at least* these apps:

Citi® Dividend Platinum Select® MasterCard®, 0% BT 12 months, max BT fee $250
Citi® Diamond Preferred® Rewards American Express® Card, 6,000 TYP, 0% BT 12 months, no max BT fee
Chase Platinum Visa, 0% BT 12 months, max BT fee $75
One of:
AMEX IN: NYC, 0% BT 6 months, no BT fee
AMEX IN: CHICAGO, 0% BT 6 months, no BT fee

AMEX Blue, 0% purchase 15 months
AMEX Platinum Business, 0% purchase 12 months
BoA Financial Rewards® Visa® Platinum Plus®, 0% BT 6 months, no BT fee
BoA Money Return Visa Card, 0% BT 6 months, no BT fee
BoA FIA Elite Rewards® World MasterCard® Credit Card, 0% BT 12 months, no max BT fee
BoA Rewards American Express Card, $50 credit, 0% BT 12 months, no max BT fee
BoA Platinum Plus® Business Rewards MasterCard®, 0% BT 9 months, no max BT fee
First National Elite Visa, 0% BT 12 months, max BT fee $75 (They'll never approve you this far into an AOR)

With AMEX and BofA you can easily reallocate lines so you just need 1 good BT card. More than 2-3 of apps will yield decreasing returns and will make it that much less likely that you will be approved for useful cards near the end of your list. If you must apply to several additional cards from Chase, AMEX, Citi and BofA then do those apps after you've already applied for the better cards from the smaller banks (like BankAtlantic, Juniper, M&T, Nat'l City). What will most likely happen even if you do get accepted for a 6th Chase or tth AMEX etc. is that you will get a small line and cost yourself the chance to get the other cards I mentioned which will yield much higher lines because by then you will have more hard inquiries than the smaller banks like to see.

good luck on the AOR.
I would drop the AMEX In card you are appling for too many AMEX cards they are real quirky lately.