**UPDATE: Results starting to slow down. Getting close to final numbers**

Summary Results so far:

Business Applications Submitted: 14
Personal Applications Submitted: 25
Total Applications Submitted: 39

Thanks to everyone who helped out with the first round of apps in "Thisguy's 2-part AOR - Part 1 - It's WOR!!".

Hi all,

I am getting ready to kick off Part 2 of my two staged AOR

Round one: WOR (the wife)

Round two: AOR (thisguy)

This is phase 2 of our second big AOR. Please check out the Part 1 WOR for deatils on the previous round and a little history.

Our goal is to get more 0% money to replace the money we’ve had to pay back as the previous offers expired and carry the balances to new heights, heavily leveraging business cards and existing lines; as well as trying out some new lenders and picking up some bonuses along the way where possible.

We are trying to hit up as many as possible while staying within the maximum number of applications per lender.

I would love feedback on the plan and or any great offers that I may have overlooked. Here's my scenario:

HHI: $140K (with income from WOR I may report 155 now)
AGE: early 30s
Mortgage (my name only) 3rd year of 30 balance = $224K
Auto Loan (my name only) 3rd year of 5 balance = $17K
Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) : 788(0) / 770(7) /796(1) (10/14/07)
See below for credit score impact and resulting inquiries

My Existing lines (unfortunately I've closed tons of unused lines in the past and actually many times requested credit line reductions. . . at least things are looking up now ):

Personal:

Card Name / Age years / Balance / Credit Limit / Utilization
Juniper Carnival / 1 / 0 / $31K / 0.0%
Discover / 13 / 0 / $13.5K / 0.0%
ATT Univ. Rewards / 1.5 / 0 / $1K / 0.0%
BoA Effectiva / 1 / 0 / $23.5K / 0.0%
BoA Platinum Visa / 10 / 0 / $0.5K / 0.0%
BoA Platinum Visa / 6.5 / 0 / $0.5K / 0.0%
Chase Sony / 1 / 0 / $45K / 0.0%
Chase Visa Sig / 1 / 0 / $1.5K / 0.0%
Chase Plat / 3 / 0 / $3K / 0.0%
Capital One Platinum / 4 / 0 / $15K / 0.0%
HSBC / 1.5 / 0 / $10.5K / 0.0%
Citi Professional / 1.5 / 0 / $8.5K / 0.0%
Citi Simplicity / 1.5 / 0 / $33K / 0.0%
Citi Platinum Select / 11.5 / 0 / $1K / 0.0%
AMX NYC / 1 / 0 / $1K / 0.0%
AMX HHONORS / 1 / 0 / $12.7K / 0.0%
AMX Blue / 6 / 0 / $1K / 0.0%
AMX Blue Cash / 6 / 0 / $85K / 0.0% (use for purchases & pay off monthly)

Business:
Advanta Business / 5 / 0 / $10K / 0.0%
Chase Business / 1 / 0 / $7.2K / 0.0% (use for purchases & pay off monthly)

Other Accounts / Debt:
Men's Wearhouse / 4.5 / 0 / $0.5K / 0.0%
Dell DPA / 2 / 0 / $7K / 0.0%
Mortgages $224K
Auto Loan $19K

Total available lines: $316,900
Total balance: ~$0.00 (some shows up periodically from Amx daily spender)
Total Utilization: 0.0%

Planned applications:

CS = cardselection.com => sign-up for bonuses when applying using their links

--1 Chase Business Rebate Visa / 0%, 12 months, $75 fee
---- Chase Business Rebate Visa $30@CS / 0%, 12 months, $75 fee
--2 Chase GM Business / 0%, 12 months, $75 fee
---- Chase GM Business $30@CS / 0%, 12 months, $75 fee
--3 Chase Home Improvement / 0%, 12 months, $75 fee
--4 USAA AMX targeted offer 12mo 0% NBTF
--5 Advanta Business 0% 16mo $50 max
---- Advanta Business $25@CS 0% 16mo $50 max
--6 Citi Upromise 0% 12 months NBTF
---- Citi Upromise $25@CS 0% 12mo nbtf
--7 Citi Business 0% 12mo NTBF 15K TY points
--8 Citi Professional 0% 12 months NBTF 15K TY
--9 BOA platinum 0% for 12mo NBTF
10 BOA Business Platinum PLus 0% for 9mo 3% NO CAP (fund citi savings)
11 (Juniper) National Parks 0% 12 mo max 50
12 (Juniper) Bank Atlantic Business 0% 15 mo $75 fee
13 NEA World Points 0% for 12mo $30 max Fee
14 AmexIn:Chicago 6mo 0% NBTF 5K w 1st purch bonus
---- AmexIn:Chicago $30@CS 6mo 0% NBTF
15 (option A) HSBC 0% 12 Months possible no fee max $75
15 (option B) (HSBC)GM Card 0% 12 Month 75max
16 Citi Business PremierPass 0% 12mo NBTF $75 after first year 15K TY points
17 Citi Home Rewards 0% 12mo nbtf
---- Citi Home Rewards $25@CS 0% 12mo nbtf
18 (Option A) Discover Business 0% for 18 months $75 max Fee
18 (Option B) Discover Business 0% for 12 months $40@CS $75 max Fee
19 Discover Miles $40@CS 0% for 12mo max $75
20 Life Spring Visa12 month 0%, $0 Fee (a National City Card)
21 5th 3rd Bank Business 0% 12mo NBTF
22 (FNBO) Union Bank of California Bucksback ($20 bonus, 12mo 0%, $75 fee)
23 Principal 12mo 0% max 75 or if that link doesn't work Try this one
24 GE Money Low APR Card - 0% BT 12mo ($75)
25 (Chase) Lasalle Bank Platinum (12mo 0%, $75 fee)
26 RBS Platinum Mastercard - 0% BT 10mo ($60)
27 National City Visa Business / 0%, 6 months, no bt fee + 5K points
28 National City Visa Personal / 0%, 6 months, no bt fee + 5K points
29 WAMU ESPN 0% 6mo NBTF
30 Wachovia Platinum (6mo 0%, $75 fee)
31 Peoples bank 8/60
32 Vectra Bank Visa6 month 0%, 50 BT FEE CAP
33 BB&T Coastal Federal 6/0 Southeast only
34 Commerce Bank Visa6 month 0%, $75 BT FEE CAP
35 Chase Business Mariott / 20K Mariott Points, free night, first year free
36 Chase Personal Mariott 20K free night first year free
37 Amex Gold Delta Sky Miles Business 15K Miles
---- Amex Gold Delta Sky $60@CS 15K Miles
38 Amex Starwood Preferred Guest Business 10K
---- Amex Starwood $30@CS 10K
39 Amex TigerDirect Business Gold 25K points + 100 TD.com GC $175 fee after 1st year
40 Citi AA $75 after 1st year 25K miles with $750 purchases in 4 mo
41 Citi Bus AA $75 after 1st year 25K miles with $750 purchases in 4 mo
42 Old Navy / GAP (discounts and free shipping)
43 Target (discounts and free shipping)

Others to sneak in?:

- US Bank Offer may still be valid - confirm when applying
US Bank 0% 12mo NBTF By Phone $40Fee/yr if no purchases

Removed to reduce Apps:

**Out too many citi**Citi Hilton 15K miles no fee
**Out** No existing AcctWells Fargo Visa6 month 0%, $0 FEE
**Out** Terms changed - only get credits with BT may still be good for some(Juniper) AirTran 6mo 0% $50 10 credits

**New Offer found** not of interest to me:
Citi Premier Pass 0% 15mo 3%fee no cap + 20K TY points after $500 purchase in 2 months
Also may be available through CS. I got it as a "before you go" offer. There is a similar offer for 25K TY points if you search but I thought I would get this one recorded in case the other expires.

Results - In Order Applied
chase business - deferred / Approved - $9K
chase GM Bus - deferred / Approved - $9K
chase Home Improvement - Approved - $12.5K
Advanta - deferred / Approved - 12.5K - called about a raise up. . . 5-30 days. . .no bump unless you fill out and submit crazy docs. Too much trouble to bother
Upromise - deferred / Approved $7.5K
Citi Business - deferred / Approved $7.5K
Citi Prof - deferred / Declined - Already have the maximum number of cards of this type allowed - I already have a professional card
BoA - Approved $8K - called about a raise up but they would only reallocate. No worries though an ACH to checking is on its way
BoA Platinum Bus - deferred / Approved $13.5K
Nat Park - deferred / Approved - $5K (fine since I already have 31 with them)
Bank Atlantic Bus - deferred / Approved - $10K-->$50K . . .ugh. Called and submitted docs to support request for $50K Boost to 50K!!!
NEA - deferred / Approved - $5K -- Took a while - showed up on BoA account list 11/14 still don't have a card
AMEX CHI - deferred / Approved - $5K
HSBC - deferred / Approved - $21K - Was on hold apparently missing my phone number
Citi Bus PP - deferred / Declined - too many applications
Citi Home - deferred / Declined - Too many recent credit inquiries were recorded on your credit bureau report
Disc Bus - deferred / Approved $10.9KK
Disc Miles - deferred / Approved $8K
Life Spring Nat City - deferred / Approved - $12.5K - they accidentally closed this line (explains why I still haven't received a card) I talked ot them today and they will try to reopen and get back to me. They have corrected this and are sending the card
53 Bank - deferred / Approved - $15K - Called about increase and was told it could only be done in a branch but could be done. Online/phone must wait 6 months. The downside. . .no branch near me
Principal - deferred / Declined - "Excessive Credit Reporting Agency Inquiries"
GE - deferred / Declined - Too Many inquiried in the last 6 months!!
lasalle - deferred / Approved - $5K - This took almost 4 weeks to be approved and arrive
RBS - deferred / Declined - "Unable to verify credit references as provided" - Turns out this actually means too many inquiries
Nat City Bus - deferred / Approved - Turns out they never got my faxed signed application resubmitted it today. Think they will go for a 38th credit pull?
ESPN - deferred / Approved - $10K
Peoples - deferred / Declined - "Unable to verify credit references as provided" - Turns out this actually means too many inquiries
wachovia - bagged - no go not existing customer
nat city pers - deferred / Approved after phone confirmation $12.5K (said they saw all the apps and I should have called them first. They could've given me a higher limit if I had called and talked to them)
Vectra - deferred / Declined - "Out of service area"
US Bank Phone - deferred / Declined - "Located outside of defined trade area" - Update - they only have two products avilable in FL Harley Davidson and NWA (not the rap group)
BBT - bagged - no online app - interestingly just learned that there is a branch about 700 yards from my house in a direction I haven't been in a while. Oh well, maybe next time.
commerce - skipped
Chase Marriott Bus - deferred / Declined?
Chase Marriott Pers - deferred / Approved - $25K
AMEX Delta - deferred / Approved - $50K
AMEX SPG - deferred / Approved - $50K
Citi AA MC - deferred Declined
Citi AA Bus - Approved $20K
Sony - deferred / Declined
GAP - deferred / Approved after phone conversation/verification - UGH $400. . . they must not want to sell me a lot of clothes
Target - Approved - $300 - ugh!! I can't even buy a sale 32" LCD with that. . .
AMEX Gold TD - skipped because the offer changed and no longer included 25K points. Could have done another gold app but given recent FR with AMEX I though 3 new card was probably enough.

TrueCredit Credit Scores Before and After
Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) :

AMEX CreditSecure Plus scores (TU / EXP / EQ) : 797(0) / 776(7) / 797(0) (10/14/07 - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 788(0) / 770(7) / 795(1) (10/14/07 - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 788(0) / 770(7) / 795(1) (10/23/07 - showing $260K in debt - $0 revolving) **Day of Apps**
TrueCredit Credit Scores (TU / EXP / EQ) : 780(6) / 760(13) / 779(12) (10/23/07 3PM - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 778(7) / 760(12) / 778(14) (10/24/07 3PM - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 780(6) / 760(12) / 776(15) (10/25/07 8PM - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 780(6) / 760(12) / 775(15) (10/26/07 8PM - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 778(6) / 749(12) / 768(15) (10/30/07 6PM - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 772(7) / 742(12) / 762(15) (11/7/07 6PM - showing $264K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 776(5) / 742(12) / 763(15) (11/13/07 10:40PM - showing $264K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 780(3) / 731(12) / 763(15) (11/14/07 10:50PM - showing $264K - $295K in debt - $0-$30K revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 781(2) / 731(12) / 763(15) (11/15/07 11:20PM - showing $264K - $295K in debt - $0-$30K revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 782(1) / 731(12) / 731(15) (11/16/07 11:20PM - showing $264K - $295K in debt - $0-$30K revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 775(0) / 731(12) / 731(15) (11/19/07 11:15AM - showing $294K in debt - $30K revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 766(0) / 722(12) / 739(12) (11/20/07 Noon - showing $294K in debt - $30K revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 756(0) / 711(12) / 740(0) (12/4/07 1:30 AM - showing $291K - $314K in debt - 27K - $50K revolving)

Inquiries:
PEOPLES 10/24/2007 Equifax
NCBK-NCCS 10/24/2007 TransUnion
FNB OMAHA 10/23/2007 Experian
BANK OF AMERICA 10/23/2007 Experian
INFIBANK 10/23/2007 Experian
AMEX 10/23/2007 Experian
ZIONS MANAGMENT SRVC C 10/23/2007 Experian
CHASE 10/23/2007 Equifax
FIRST USA 10/23/2007 Equifax
ADVANTA 10/23/2007 Equifax
CITI 10/23/2007 Equifax
CBUSA/CBSD 10/23/2007 Equifax
CITI USA 10/23/2007 Equifax
FIA CSNA 10/23/2007 Equifax
HSBC NV 10/23/2007 Equifax
CITI 10/23/2007 Equifax
GEMB/GEMON 10/23/2007 Equifax
RBS CC 10/23/2007 Equifax
TARGET NB 10/23/2007 Equifax
GEMB/GAP 10/23/2007 TransUnion
NCBK-NCCS 10/23/2007 TransUnion
WASHMTL/PROV 10/23/2007 TransUnion
DISCOVER FIN 10/23/2007 TransUnion
BRCLYSBANKDE 10/23/2007 TransUnion
BRCLYSBANKDE 10/23/2007 TransUnion

I’ve put a lot of work (although there is still some presentation cleanup needed in the list above) and research into this so far as hopefully evidenced in "Part 1" but now I am hoping for feedback on the part 2 proposal especially on the smaller issuer cards that are a little more questionable. I’m sure you guys and gals have some great ideas, other don’t miss deals, or thoughts that will help this be as successful as "Part 1".

I am also trying to figure out which of two options to go with in a couple cases. I have reasons for questioning the preference but don't want to sway opinions so I will save them for now. A HUGE Thanks to anyone's links or text that I've incorporated. Lots of these links came from you guys. I also need to add cardselection.com links for a few of them.

Thanks in advance for your help!! I'll continue to update as I can and refine as we go. Hopefully we all learn something in the process and leave some good info for those who follow in our footsteps.

Thisguy

Thanks for the extensive list! I'm planning an AOR shortly and would be very interested to see the results - including which CRA are being pulled and what you put for business income/years in business. Nice zeroed-out utilization - might not happen for me before the AOR, but carrying a balance may actually be helpful - if you don't show any balances, would the banks think you need "balance transfers"? Also, what about requesting BT with app vs. waiting until it's approved? Found your other thread very helpful too.

thisguy said:Thanks to everyone who helped out with the first round of apps in "Thisguy's 2-part AOR - Part 1 - It's WOR!!".


Hi all,

I am getting ready to kick off Part 2 of my two staged AOR

Round one: WOR (the wife)

Round two: AOR (thisguy)

This is phase 2 of our second big AOR. Please check out the Part 1 WOR for deatils on the previous round and a little history.

Our goal is to get more 0% money to replace the money we’ve had to pay back as the previous offers expired and carry the balances to new heights, heavily leveraging business cards and existing lines; as well as trying out some new lenders and picking up some bonuses along the way where possible.

We are trying to hit up as many as possible while staying within the maximum number of applications per lender.

I would love feedback on the plan and or any great offers that I may have overlooked. Here's my scenario:

HHI: $140K (with income from WOR I may report 155 now)
AGE: early 30s
Mortgage (my name only) 3rd year of 30 balance = $224K
Auto Loan (my name only) 3rd year of 5 balance = $17K
Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) : 788(0) / 770(7) /796(1) (10/14/07)
See below for credit score impact and resulting inquiries



My Existing lines (unfortunately I've closed tons of unused lines in the past and actually many times requested credit line reductions. . . at least things are looking up now ):

Personal:

Card Name / Age years / Balance / Credit Limit / Utilization
Juniper Carnival / 1 / 0 / $31K / 0.0%
Discover / 13 / 0 / $13.5K / 0.0%
ATT Univ. Rewards / 1.5 / 0 / $1K / 0.0%
BoA Effectiva / 1 / 0 / $23.5K / 0.0%
BoA Platinum Visa / 10 / 0 / $0.5K / 0.0%
BoA Platinum Visa / 6.5 / 0 / $0.5K / 0.0%
Chase Sony / 1 / 0 / $45K / 0.0%
Chase Visa Sig / 1 / 0 / $1.5K / 0.0%
Chase Plat / 3 / 0 / $3K / 0.0%
Capital One Platinum / 4 / 0 / $15K / 0.0%
HSBC / 1.5 / 0 / $10.5K / 0.0%
Citi Professional / 1.5 / 0 / $8.5K / 0.0%
Citi Simplicity / 1.5 / 0 / $33K / 0.0%
Citi Platinum Select / 11.5 / 0 / $1K / 0.0%
AMX NYC / 1 / 0 / $1K / 0.0%
AMX HHONORS / 1 / 0 / $12.7K / 0.0%
AMX Blue / 6 / 0 / $1K / 0.0%
AMX Blue Cash / 6 / 0 / $85K / 0.0% (use for purchases & pay off monthly)

Business:
Advanta Business / 5 / 0 / $10K / 0.0%
Chase Business / 1 / 0 / $7.2K / 0.0% (use for purchases & pay off monthly)

Other Accounts / Debt:
Men's Wearhouse / 4.5 / 0 / $0.5K / 0.0%
Dell DPA / 2 / 0 / $7K / 0.0%
Mortgages $224K
Auto Loan $19K


Total available lines: $316,900
Total balance: ~$0.00 (some shows up periodically from Amx daily spender)
Total Utilization: 0.0%

 

Planned applications:

1 (option A) Chase Business Rebate Visa / 0%, 12 months, $75 fee
1 (option B) Chase GM Business / 0%, 12 months, $75 fee
2 Chase Home Improvement / 0%, 12 months, $75 fee
3 USAA AMX targeted offer 12mo 0% NBTF
4 Citi Upromise 0% 12 months NBTF
5 Citi Business 0% 12mo NTBF 15K TY points
6 BOA platinum 0% for 12mo NBTF
6.2 BOA Business Visa Platinum 0% for 12mo NBTF
7 (Juniper)National Parks 0% 12 mo max 50
8 (Juniper) Bank Atlantic Business 0% 15 mo $75 fee
9 NEA World Points 0% for 12mo $30 max Fee
10 AmexIn:Chicago 6mo 0% NBTF
11 (option A) HSBC 0% 12 Months possible no fee max $75
11 (option B) (HSBC)GM Card 0% 12 Month 75max
12 Citi Business PremierPass 0% 12mo NBTF $75 after first year 15K TY points
13 Citi Home Rewards 0% 12mo nbtf
14 Discover business 0% for 12 months NBTF with application
15 Discover Miles 0% for 12mo max $75
16 Life Spring Visa12 month 0%, $0 Fee (a National City Card)
17 5th 3rd Bank Business 0% 12mo NBTF
18 (FNBO) Union Bank of California Bucksback ($20 bonus, 12mo 0%, $75 fee)
19 Principal 12mo 0% max 75 or if that link doesn't work Try this one
20 GE Money Low APR Card - 0% BT 12mo ($75)
21 (Chase) Lasalle Bank Platinum (12mo 0%, $75 fee)
22 RBS Platinum Mastercard - 0% BT 10mo ($60)
23 National City Visa Business / 0%, 6 months, no bt fee + 5K points
24 National City Visa Personal / 0%, 6 months, no bt fee + 5K points
25 WAMU ESPN 0% 6mo NBTF
26 Wachovia Platinum (telephone app) (6mo 0%, $75 fee)
27 Wells Fargo Visa6 month 0%, $0 FEE
28 Peoples bank 8/60
29 Vectra Bank Visa6 month 0%, 50 BT FEE CAP
30 BB&T Coastal Federal 6/0 Southeast only
31 Commerce Bank Visa6 month 0%, $75 BT FEE CAP
32 Chase Business Mariott / 20K Mariott Points, free night, first year free
33 Chase Personal Mariott 20K free night first year free
34 Gold Deltaa Sky Miles Business 15K Miles
35 Starwood Preferred Guest Business
36 TD Business Gold 25K points + 100 TD.com GC $175 fee after 1st year
37 Citi AA $75 after 1st year 25K miles with $750 purchases in 4 mo
38 Citi Bus AA $75 after 1st year 25K miles with $750 purchases in 4 mo
39 Citi Hilton 15K miles no fee
40 (Juniper) AirTran 6mo 0% $50 10 credits
41 Old Navy / GAP (discounts and free shipping)
42 Target (discounts and free shipping)

 

TrueCredit Credit Scores Before and After
Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) :

AMEX CreditSecure Plus scores (TU / EXP / EQ) : 776(7) / 797(0) / 797(0) (10/14/07 - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 788(0) / 770(7) / 795(1) (10/14/07 - showing $260K in debt - $0 revolving)

 

I’ve put a lot of work (although there is still some presentation cleanup needed in the list above) and research into this so far as hopefully evidenced in "Part 1" but now I am hoping for feedback on the part 2 proposal especially on the smaller issuer cards that are a little more questionable. I’m sure you guys and gals have some great ideas, other don’t miss deals, or thoughts that will help this be as successful as "Part 1".

I am also trying to figure out which of two options to go with in a couple cases. I have reasons for questioning the preference but don't want to sway opinions so I will save them for now. A HUGE Thanks to anyone's links or text that I've incorporated. Lots of these links came from you guys. I also need to add cardoffers links for a few of them.

Thanks in advance for your help!! I'll continue to update as I can and refine as we go. Hopefull we all learn something in the process and leave some good info for those who follow in our footsteps.

Thisguy

Economist said:Thanks for the extensive list! I'm planning an AOR shortly and would be very interested to see the results - including which CRA are being pulled and what you put for business income/years in business. Nice zeroed-out utilization - might not happen for me before the AOR, but carrying a balance may actually be helpful - if you don't show any balances, would the banks think you need "balance transfers"? Also, what about requesting BT with app vs. waiting until it's approved? Found your other thread very helpful too.

Don't worry if you are carrying a balance. On my AOR (you can search for it in the threads here)... I carried a 24k Citi credit card balance and got over 300k in new lines. If your credit profile is good... you will do well.

Try this link for Discover for Small Business. It has an 18 month BT period. It is better than the 12 months for the card you have listed. I found the link here on Fat Wallet a few days ago.

Your show has been renewed for the Fall Season....

The way that I've gone with [mini] AOR has been to start the AOR about 1-2 months before the expiration of BT promotional period so I have an easy/clean place to BT money for those issuers that give a hard time BTing (is that a word? ) to a bank account instead of waiting until after the expiration of the promotional BT offer period.

Let's see if you can beat "Deal or No Deal" ...

thisguy said:
TrueCredit Credit Scores Before and After
Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) :

AMEX CreditSecure Plus scores (TU / EXP / EQ) : 776(7) / 797(0) / 797(0) (10/14/07 - showing $260K in debt - $0 revolving)
TrueCredit Credit Scores (TU / EXP / EQ) : 788(0) / 770(7) / 795(1) (10/14/07 - showing $260K in debt - $0 revolving)

If there's no typo above -- how can it be that CreditSecure shows all of your inqs. on TU whereas TC shows 7 of them on EX?

It's great to see volume 2 coming out .

Venturion said:thisguy said:
1 (option A) Chase Business Rebate Visa / 0%, 12 months, $75 fee
1 (option B) Chase GM Business / 0%, 12 months, $75 fee

I did both and got $10K EACH. Any reason to only do one?

[edit] PS. FYI, I consolidated the Chase GM biz, Chase Biz Rebate Visa, Amazon.com biz Visa, and the Chevy Chase Biz card into the Chase Platinum biz Visa b/c it came with a check.

Here is the Chevy Chase application (0% 12 months, $75 fee).

Definitely try for two. Chase gave me TWO 25k business cards (one Cash Rewards and one United Miles). However my wife tried for two and only got one (she got the Cash Rewards but denied on the GM Business).

Doesn't hurt to ask!

USAA will stay happy as long as you don't use them for credit-balance laundry shenanigans.

markkundinger said:- When I read the fine print on both the BofA business card and the GEMB card, I see no mention of a cap on the BT fee.

Man, I hate when the promo page conflicts with the actual T&C page.

GE Money promo page says "A Transaction Fee for each Balance Transfer that posts to your Account will be charged equal to the greater of $5.00 or 3% of the amount of the Balance Transfer, but no more than $75.00."

If you hit the apply button, the T&C doesn't even mention the promotional 0% rate, and BT fees are uncapped.

http://www.fatwallet.com/t/52/772624

Add this discover card too 0%18 months 75cap

Opps: Already mentioned by extra5 in earlier post