sonnysighedup said:Top right hand corner says: "...with no balance transfer fees*"

Asterisked: "*The fees for balance transfers made with an application are waived. Thereafter, balance transfer fees may apply."

Duh... I see it now. I take it they will have to give you an instant approval over the phone in order to do the BT so you know how much you can BT off the card?

Ok I spent a lot of time on this today. I am glad I looked at devildoc's thread because I got a couple of improved offers from that thread which I added to my AOR.

Please take a look at my latest list of cards I am applying for in the order I plan on applying them in. No more than 2 apps per Bank per business/personal. I may be pushing it with Citi... but I am applying for those cards for the bonuses. If they give me decent limits... that's an added bonus.

Ok my AOR is officially launched and I think I did pretty damm good so far.

Based on the fact that I already have a Citi 0% for Life card that has a 24k balance with 80% utilization... I was INSTANTLY approved for over 130k in new credit lines. This is not even including anything by Chase and most of my AMEX offers.

The 30k instant approval on the WaMu targetted card was nice. But I have one issue with that card. I read the terms and I saw 0% till 2009 but that was for purchases. Well stupid me on the application I submitted a 26k Balance Transfer to my Citi card before I got the approval. Well they approved me at 30k but this BT is now pending. The BT terms are no fees which is good... but it has a 9.99% APR. DUH! Trying to get this reversed. If I can't get it reversed ill pay off the BT ASAP to minimize interest. I wonder if they wouldn't have approved me for the big limit if I didn't submit that BT.

The Penfed 24k limit was nice to get too. That will help with overall utilization (along with the WaMu).

Other than that... overall did pretty good so far. Hopefully Chase will be good to me because I already have 15k card with them I am waiting to reallocate.

DjPiLL said:Ok my AOR is officially launched and I think I did pretty damm good so far.

Based on the fact that I already have a Citi 0% for Life card that has a 24k balance with 80% utilization... I was INSTANTLY approved for over 130k in new credit lines. This is not even including anything by Chase and most of my AMEX offers.

The 30k instant approval on the WaMu targetted card was nice. But I have one issue with that card. I read the terms and I saw 0% till 2009 but that was for purchases. Well stupid me on the application I submitted a 26k Balance Transfer to my Citi card before I got the approval. Well they approved me at 30k but this BT is now pending. The BT terms are no fees which is good... but it has a 9.99% APR. DUH! Trying to get this reversed. If I can't get it reversed ill pay off the BT ASAP to minimize interest. I wonder if they wouldn't have approved me for the big limit if I didn't submit that BT.

The Penfed 24k limit was nice to get too. That will help with overall utilization (along with the WaMu).

Other than that... overall did pretty good so far. Hopefully Chase will be good to me because I already have 15k card with them I am waiting to reallocate.

Congrats on your AOR success. Regarding Wamu, call them up ASAP, cancel the BT and do a $100 BT instead. Pay the BT off once it posts, and then you'll have a $30k with 0% on purchases till 2009 to play with. See bwjgmail's post in this archived thread.

Yes, $130k -- on instant approvals -- is really great. Note that you did get those results from traditionally generous lenders, AMX, Juniper (lately), Penfed... but it's still a great result. Also, nice job on getting a legitimate CL from HSBC.

I will personally choose the reason that you got the large Wamu line was because it was a pre-approved offer, not because of the BT request. If, while trying to negotiate down the fee, you end up talking to someone who seems really smart, maybe you should ask them why they gave you the large credit line

Funding a Citibank deposit account with a CC is a great idea that's worked for lots of people. Especially if the card has good CashBack rewards. Note that it didn't work for me on my two attempts, though. (Once with a citibank card and once with a USAA card). The crappy phone CSRs told me both times that the transactions were "denied", with no more info. My hunch is that it was because the transaction was very large, and too near the card's credit limit. Don't really know though.

It is possible to reallocate from personal to business. With business, the BT can only be done to another card unlike the personal card. The business card comes with fee-free purchase checks at the promo APR, but you have to be able to list a merchant on the check (which I don't think can be a bank).

CaptainColt88 said:It is possible to reallocate from personal to business. With business, the BT can only be done to another card unlike the personal card.

Does it have to be a 16 digit account number? Can I try to send this to my HELOC (which is a 12 digit account number). TIA.

Interesting change in credit scores today.

Big jump in EQ score. Not sure why... maybe more available credit as three CCs started reporting today (12k BoA, 17.5k Barclays, 6k Discover).

Citibank called regarding the ProfessionalSM card. She said that I already had three other personal lines with Citi and I was near my max credit allowance with Citi. But low and behold she actually suggested (and offered without me saying anything) that I would reallocate (without closing) my other lines as best as she could onto this new Professional card.

So the new ProfessionalSM card would have an 8,000 limit. The Citi Diamond MC that I have my 0% for life offer would be lowered to 26,300 (putting me back up at 89% utilization on that card. She said she would lower my Dividend Mastercard and Visa cards to 500 limits each but keep them open.

Not bad! Considering that Citi has been tight with reallocations before. They must value me (and my on-time payments) as a customer.

ETA: New limits already showing online. They are fast! Good to see my Citi phone apps worked.

DjPiLL said:Then I'll try to get the ProfessionalSM card reallocated to the Business card then do BT. Or should I go the other way around (Business to ProfessionalSM?).
Reallocating from Professional to Business is better because the ensuing balance won't show up on your credit report and won't damage your credit score.