GOALS:

1. Rewards
2. Balance transfer
3. Increase overall credit

STATS:

Age: 26
Credit History: 8 years
Occupation: Engineer
FAKO: 748

CURRENT CREDIT:

PERSONAL
Bank of America		Bank of America Credit Card				$10,500.00 
FIA Card Services	Charles Schwab Bank Platinum Plus Visa			$20,000.00 
FIA Card Services	Fidelity Investments Investment Rewards Signature Visa	 $5,000.00 
Chase			FLEXiBLE REWARDS					 $6,500.00 
Chase			SonyCard						 $8,000.00 
Chase			UNITED Mileage Plus Credit Card				 $5,500.00 
Citibank		Citi Diamond Preferred Rewards Card			 $2,670.00 
KeyBank			Mastercard Credit Card					   $500.00 
Discover		Discover Card						 $5,000.00 
Elan			Credit Card						 $6,500.00 
GE Money		Platinum Mastercard					 $9,000.00 
Juniper Bank		US Airways Credit Cards					$15,800.00 
Pentagon FCU		VISA Gold Credit Card					$25,000.00 
Washington Mutual	Providian Credit Card					 $3,000.00 
RBS			Platinum Credit Card					 $7,200.00 
	
BUSINESS
Chase			UNITED Mileage Plus Credit Card				 $9,600.00 
Citibank		CitiBusiness Card					 $4,000.00
 	
								        Total  $144,270.00

CARDS TO APPLY FOR:

Bank				Credit Card						BT APR	BT Length BT Fee	Signup Rewards	Spending Rewards		Type
PERSONAL
Bank of America			Bank of America Rewards™ American Express® Card		0.00%	12	  3% $75 Max	$50.00		0 to 1 Point			Per
Chase Bank			Sony Card						0.00%	12	  3% $75 Max	$100.00		1 to 5 Points			Per
CitiBank			Citi Professional Card with ThankYou Network		0.00%	12	  None		10000 Points	1 to 3 Points			Per
CitiBank			Citi® Platinum American Express® Card			3.99%	 0	  3%		15000 Points	3 to 10 Points			Per
Discover Bank			Miles by Discover Card					0.00%	12	  3% $75 Max	12000 Miles	1 to 2 Miles			Per
Elan Financial			Visa® Business Platinum Travel Card			0.00%	 6	  None		2500 Points	0 to 2 Points			Per
First National Bank of Omaha	BucksBackSM Platinum Edition® Visa® Card		0.00%	12	  3% $75 Max	$20.00		1.00 % to 1.00 % CashBack	Per
HSBC				The Weekend Card®					0.00%	12	  3% $99 Max	None		1.00 % to 2.00 % CashBack	Per
National City			National City Visa®					0.00%	 6	  None		5000 Points	5 to 5 Points			Per
National City			Principal Bank Cash Back Credit Card			0.00%	 9	  3% $75 Max	None		2.00 % to 0.50 % CashBack	Per
RBS National Bank		Kroger Personal Finance® 1-2-3 Rewards™ Master Card	0.00%	12	  3%		None		1 to 3 Points			Per
U.S. Bank			REI Visa® Gold Card				       16.24%	 0	  4%		$20.00		None				Per
U.S. Bank			Baylor University Alumni Assoc Cash Rewards Visa	3%	12	  None		None		1.00 % to 1.00 % CashBack	Per
UMB Financial Corporation	UMB Visa Platinum					0.00%	 6	  3% $50 Max	None		0 to 1 Point			Per
Union Bank of California	BucksBack Card						0.00%	12	  3% $75 Max	$20.00		1.00 % to 1.00 % CashBack	Per
Washington Mutual		Washington Mutual Platinum MasterCard®			0.00%	 9	  3% $75 Max	None		None				Per
BUSINESS
American Express		Starwood Preferred Guest® Business Credit Card		2.90%	 6	  None		10000 Points	0 to 2 Points			Bus
Chase Bank			Marriott Rewards® Visa® Business Card			3.90%	 6	  3% $75 Max	15000 Points	0 to 1 Point			Bus
Chase Bank			United Mileage Plus® Platinum Business Card	       18.24%	 0	  3% $75 Max	25000 Miles	1 to 2 Miles			Bus
CitiBank			CitiBusiness PremierPass Card				0.00%	12	  None		15000 Points	1 to 3 Points			Bus
CitiBank			CitiBusiness® Card					0.00%	 0	  None		15000 Points	0 to 3 Points			Bus
Discover Bank			Discover Business Card					0.00%	Var.	  3% $75 Max	None		1.00 % to 5.00 % CashBack	Bus
Elan Financial			Visa® Business Platinum Rewards Card			9.99%	12	  3%		1000 Points	0 to 1 Point			Bus
Fifth Third Bank		MasterCard BusinessCard					0.00%	12	  None		None		None				Bus

The only time I applied to a second Wamu/Providian card, they denied me saying that I already had one of their cards. I don't know if that is still the case or if that applies to all of their cards...

ps: That site looks useful. I like how you can sort the cards by the different columns.

FNBO, Infibank (x2) and UBOC cards are all issued by First National. They have a rep for not granting cards to people with lots of inquiries. No way you'll get all three. Also, Wamu has had a recent trend of giving $3k CLs to unsolicited apps. I recommend applying to see if the trend holds up.

You mention rewards as your first priority. Any particular goal with the rewards? Also, are you looking for a card to use as a big spender?

edit: also, UMB has a limited lending area. I don't know what it is, but it might be worth confirming that you're in it, if you don't have branches in your state.

RBS National Bank / Kroger Personal Finance® 1-2-3 Rewards™ Master Card / 0.00% / 12 / 3% $75 Max / None / 1 to 3 Points / Per

. . .

U.S. Bank / Baylor University Alumni Assoc Cash Rewards Visa / 0.00% / 12 / None / None / 1.00 % to 1.00 % CashBack /

I am also in the planning stages - hasn't RBS and Baylor uncapped their respective BT offers??

patch96:
Thanks, you're right they did, they must have just changed that. I added a third goal to my AOR, I want to get my overall available credit up by applying for at least one card per bank.

markkundinger:
Thanks for the tip on the UA cards. It's getting close to a year since I got those cards, I think I'll cancel them and give them a shot.

Has anyone found any BOA business 0% BT offers??? I have searched unsuccessfully high and low. I want to move my personal CL to business.

TIA

Eponox said:Try this one:
http://www.bankofamerica.com/small_business/business_credit_cards/index.cfm?template=visa_platinum_power_rewards_credit_card

Note that T&C's indicate no cap on 3% BT Fee. At least that is my reading of it.

Power Rewards Platinum Visa Business Card Annual Fee $0. A fixed 0% introductory APR on Purchases and Balance Transfers for the first nine billing cycles following the opening of your account (the introductory period); thereafter a variable APR for Balance Transfers, and a variable APR for Purchases currently 15.24% or 18.24% as determined based on our review of your credit report and information you provide on your application for credit. Cash Advance APR is the Prime rate (currently 8.25%) plus 15.99%. If at any time during the introductory period we do not receive at least the Minimum Payment or you close your account, your introductory rate will terminate thereafter any remaining unpaid balances will accrue interest at your standard contract Purchase Rates. If at any time during any rolling consecutive twelve billing cycle period we do not receive two consecutive Minimum Payments by your payment due date, we may elect to automatically increase any and all of your standard APRs to a variable rate as high as Prime + 23.99% (Penalty APR). Your Penalty APRs on all existing and future unpaid balances will automatically revert to the standard APRs if you make six consecutive payments when due. Cash Advance Fees (including Convenience Checks, Balance Transfers and Overdraft Protection): 3% each transaction (min. $10).

patch96 said:Thanks

I was not accurate enough. I meant 0% WITH maximum bt fee cap BOA business lines.

I will probably reapply for a personal and YIPES! let it show on my personal credit report.

 

I JUST NOTICED I AM NOW A SENIOR FWF MEMBER - NO more newby status. I feel so recognized by my peers. I am overcome.

Thanks FWF

Sorry to burst your bubble but you become a senior after 200 posts. Now to back the topic; with fewer and fewer "fixed BT-transfer fee cap", one has to ask if the credit line received is sufficient to make the whole processor worth while? Wish they disclose the CL and terms before applying..

patch96 said:RBS National Bank / Kroger Personal Finance® 1-2-3 Rewards™ Master Card / 0.00% / 12 / 3% $75 Max / None / 1 to 3 Points / Per

. . .

U.S. Bank / Baylor University Alumni Assoc Cash Rewards Visa / 0.00% / 12 / None / None / 1.00 % to 1.00 % CashBack /

I am also in the planning stages - hasn't RBS and Baylor uncapped their respective BT offers??

Baylor is uncapped.

RBS is capped if the BT is submitted with the app.

Balance Transfer Fee. For Balance Transfer requests made at the time of application, we will charge your Account a Balance Transfer Fee (Balance Transfer Fee) for each Balance Transfer in an amount equal to three percent (3%) of the U.S. Dollar amount of the Balance Transfer, but not less than a minimum Balance Transfer Fee of $10 and not more than $60. After this period, unless a special promotional offer or other offer applies, the amount of each Balance Transfer Fee you will be charged will equal four percent (4%) of the U.S. Dollar amount of the Balance Transfer, but not less than a minimum Balance Transfer Fee of $10. This fee is a FINANCE CHARGE. We charge Balance Transfer Fees in addition to Periodic Finance Charges.

markkundinger said:edit: also, UMB has a limited lending area. I don't know what it is, but it might be worth confirming that you're in it, if you don't have branches in your state.Fifth Third also has a limited lending area. Texas not included.