devildoc said:Juniper cancelled my Travelocity card ($25K) the day after opening it. Too many "products". Two airline cards and my brand new National Parks card. Oh well, it was a little too good to be true.
Spoke to the CSR to consolidate my lines to the parks card, he said their computer system was giving out too much credit last week and they are encouraging people with closed lines to reapply. Maybe, but now I have an awful lot of inquiries

FWIW the "Juniper is giving out huge credit lines" thread seems to have disappeared. Mods must have stock in Barclay's Bummer on the Travelocity card. Will you ask to have the inquiry removed from your bureau? new thread discussion

A few more updates

BofA still hasn't decided according to the website, but phone calls to CSR confirms a $15,000 CL. Now to get the card, consolidate and transfer a large pile of money.

Chase biz allowed me to reallocate to $160K CL, BT check for $159.5
Chase fraud dept has called at least 4 times so far, and that's before any checks

Citi biz took 3 calls to reallocate personal to biz, the first 2 said "not possible" the 3rd said "how much and from where". Still pending approval to $78K, will request a check ASAP
BoA biz was approved, consolidated to $25K but the BT is uncapped. But the mailman brought BT checks with $99 cap today!
AMEX surprised me and allowed me to reallocate from biz to personal, bringing my original $2K limit to $86K.

After some consolidations and if BoA Citi and a few small banks work out, I will be close to my household goal of $1MM (the wife has about $300K), but I think I'll fall a little short this round.

see QS for some details.

It's all just about wrapped up now, all the apps, all the fraud dept. calls, all the BT laundering.
Some checks are still clearing, but other than that I'm done with part one.

Quick summary has details, but the Highlights are:
Loads of approvals, moderate new credit, lots of consolidations.
0% BT total of just under $3/4MM with $200K for 6 months, the rest for a year.
With the wife's BTs our househould total is just over $1MM, so I hit my goal.
I went over 89% on BoA to get there, but all others are below.

With paying off the HELOC and a bunch of HYS, my take for this AOR should be about $34,000. Minus fees and taxes of course.

I've learned a few things that may help others:
1 - CRAs can be updated within days for free. Pay off the balances, dispute the report with each CRA and voila.
Experian requires a paid in full in order to dispute, while the others allow you to just dispute the balance as different.
2 - If your address has variations (city or street name) make sure the CRAs all have the same details and your applications match.
Mine didn't and I lost at least 2 cards and had some minor hassles with others.
3 - Closing several unused accounts with BoA and Chase prior to this AOR may have helped get all 3 cards from each lender.
4 - Some smaller banks I liked were Wachovia and RBS for sending checks, UMB for giving me points for BT that amount to 1% back.
5 - Some smaller bankd I didn't like were Commerce (bait and switch on the 0% offer), Wells Fargo (in branch only, 0% not guaranteed), WaMU, PNC (crappy credit line), USBank (no consolidation)
6 - I have learned to love biz credit. Chase and citi were happy to move personal lines to biz for BT, AMEX allowed me to move biz credit to personal for BT.

Although I used a lot of small banks, my payoff was just not worth it. Between Chase BoA Citi and AMEX I got $525K Juniper was worth it for $38K mostly because the checks are easy.
Among 9 other banks, the total was under $100K. Next time just the big dogs.

Part two, which starts soon, will be the adverse action part of this thread.
I'm sure to get blasted since I'll have something like 70% personal util (or 50% if my empty HELOC counts)

PorStaker said:What is the easiest way to dispute? DO I do it through TrueCredit or is there an online form I can fill out, phone number, or must it be snail mail?
They all have online disputes

markkundinger said:Well, it looks like you rubbed up against Chase and BofA's credit ceilings, but still got a net increase from the AOR. Nice.

Did anything take extra work? I'm thinking specifically one getting one Chase card's CL up to $160k (and I'm not sure what happened on the BofA side)

Between biz and personal Chase gave me an additional $25K.
BoA gave me $30K on top of what I had (so after consolidation I have one $25K biz and one $167K personal)
But both Chase and BoA took forever (2 weeks) to approve the new cards, Chase called 4 times and wrote 3 letters requesting information confirmation. I'm still waiting for final approval on my British Air card (no BT but I love "free" lie-flat seats to Europe). BoA called twice to confirm info for personal and for biz.
Once the cards were approved, consolidation took no time. Chase let me pull 100K from personal and 50K from my old United biz card to the new card and the BT check came with the card.
BoA let me pull together all my personal lines and ACH the $$ to my checking account (2 different accounts since their limit is $99K per transfer).
Moderate hassles, but big payoff -- Over $350K between the two.
Some of the smaller banks called to confirm info also but only once each.

markkundinger said:Was any of the additional info from BofA or Chase to verify assets or income? Or just junk about your identity and address?
Just id/address. No income verification.

great work doc. you seem to have no fear of gigantic lines / BT's. 160k with chase ... 167k with BOA ... wow. keep the updates / info coming please

Congrats devildoc! Your success continues to impress. As you know, I prefer to see most folks take a less aggressive posture, especially in this kind of credit/economic environment. But you're ready for some adverse action at some point, and are willing to accept the consequences of same. Given that, more power to you, and we all appreciate your sharing such a useful "bleeding edge" data point.

One specific question: I gather your $160K Chase line was a business card, and involved consolidation from personal to business, but not the reverse?

I'm especially interested in whether or not anyone has managed to move chase business CLs to chase personal. I'd like to get a chunk transferred business-to-personal, but doubt whether they'll to this.

TIA for any clarification, and good luck going forward. My any adverse action coming your way be mild.

And thank you devildoc.

I've never seen problems reallocating either way with AMEX...indeed one can typically to it instantly, online (with all products other than the BLOC, anyway). Chase, however, is another matter.

Don't lie
I reported 30K. But the big new line from Nat city seemed to be more about my personal credit score than the income. The rep who called was pretty clear about that.