AMEX business wins the card race. It was delivered yesterday. Still waiting on all the others.

I successfully reallocated 20K of my Citi TY Professional to the new Professional card (for a 40K available BT). No issues at all. Now I will need to reallocate the other citi dividend card.

The NEA rep called me yesterday. They said they would waive the BT fee of $30.00 if you do the BT on the spot. I told her that I wasn't ready and she said that it was fine. They could only offer me 5K because of my extensive CL with BOA (about 45K plus other cards that I already signed up for and have been approved for) but told me that I could reallocate any of the line then do a BT. Sounds like a plan.

Still playing the waiting game on the cards.

A brief summary of how I got the cash:

citi drivers edge - Called after I received and had the CSR send me a check made out to me
BOA Platinum - DD to my checking 3X (this was my "payback card") and I never carried a positive balance on it the reps were very friendly and didn't give me a hassle. I BT'd about 105K out of BOA in less than 2 weeks with 3 different transfers.
US Bank - BT to BOA above
Juniper Barclays - Used check that came with the card made out to me
chase priority club - Used check that came with the card made out to me
Discover Open Road - Requested blank BT checks and made one out to me
Citi Professional - Called after I received and had the CSR send me a check made out to me
Baylor Visa® Platinum Card - BT to BOA Above

Business Cards
Bank Atlantic Juniper - BT to BOA Above
Advanta Platinum Business - DD to checking
Citi Business Rewards - Called after I received and had the CSR send me a check made out to me
Chase Business Rewards - Used check that came with the card made out to me
National City Visa - BT to BOA Above

I currently have finished all the BT's and am officially done with the AOR (unless a late card comes)

On a side note Fidelity is Awesome!! I happen to live near a deposit center and they have a 0 day hold policy on checks so on the night of the deposit my big BT checks were earning interest! This is so much better than US Bank's 5+ day hold policy.

markkundinger said:dmlavigne1 said:On a side note Fidelity is Awesome!! I happen to live near a deposit center and they have a 0 day hold policy on checks so on the night of the deposit my big BT checks were earning interest!
Um, I believe that the funds are credited to your core money market and are available to purchase securities immediately, but there's still a 4 business day hold until you could make a withdrawal (since I was depositing money into FNBO, it was an issue).

I'm not sure about that maybe, but I start earning interest that night. I did ask the rep and he said that the "amount to purchase securities" is the total that can be paid out. I really don't care about the withdraw period just let me start making interest in my final account quickly.

Simple FIFO stack is only one of possible implementations ... one thing it does not explain is that sometimes one soft pull makes two or more hards go away at the same time, so I think it's something more complicated. My guess is that it's something more complicated written in one of the older programming languages ... the "older programming language" is my explanation as to why TU/EQ do not fix the b* issue at the root -- they don't have the programmers who know the old language well enough in order to fix the problem without making it worse. It's much like some WS companies "blindly" using some trading algorithms written by the people who have since long left the companies (as long as thes algorithms make and not lose money).

Kicked off the AOR for the wife here -> Bonus AOR 2.0 WOR started 10-19-07 With Links and Results because my AOR is done and I am bored!!

Experian can not be bumped

So the first of my AOR money is coming do from Chase and and I thought lets email them again to confirm on the pay back date. They had told me 2/28/08 5 months ago. I email them and they respond 2/22/08. Nice! Other people have mentioned that Chase plays these pay back date games. Just a warning.

I feel like an idiot...

My payoff transfer posted today and I called to reallocate the 25K from the Priority Club personal card to my Chase business. No problems at all... sigh....

I should have done this from the beginning to avoid the additional bt fees ($150.00). Even with the sliding interest rates and the fact that I will only get about 5 months out of the money, it is still worth it for another BT for the fee. At current rates, I will net about $195.00 on the money - $75.00 BTF = $125.00 for a phone call.

After I did this, I figured to call American Express and cancel my personal and business gold card (I have already got the rewards and cashed the points). I still have six months left before the fee hits. The retention department offered me $65.00 credit on the personal card (which I took) and $25.00 on the business card (which I declined and closed the card)

$65.00 is worth my time for another call, $25.00 is not.

So my first adverse action just happened along with another way to make a few bucks detailed here:
link

I had the following:
Diamond card with a 2.5K limit
Professional TYP card with a 10K limit (PIF automatically every month we charge between 500-1K/mo on the card)
Professional card with a 70K limit (balance 68.5K AOR card)
Drivers Edge with a 10K limit (9.7K AOR balance)
Citi Business with a 7.5K limit

Currently online:
Diamond card with a 500 limit -> 2K reduction
Professional TYP card with a 1K limit -> 9K reduction
Professional card with a 69.4K limit (balance 68.5K AOR card) ->.6K reduction (whoppee)
Drivers Edge with a 10K limit -> but did get the offer linked above
Citi Business with a 7.5K limit -> no change

I am pissed about the professional TYP card. Right now I have $80.00 of available credit because the bill isn't due for 10 days and there are $700 in charges from last month and $200 current charges on it. I called the donkies at Citi and explained exactly what I was doing with the AOR money and offered to show them 400K+ in HYS. The CSR said she would recommend that my lines were reinstated but there are "no guarentees" I told her that this is ridiculous considering it is auto PIF and has been for over a year.

Going to get a call back from a manager within 48 hours, will update later