All BofA accounts re-opened, albeit with much lower limits. I faxed 1040, proof of income and proof of assets, and even then they weren't very willing... Oh well, I am happy with my achievemnt here anyway.

EugeneV said:Also, I was just approved for Citi CashReturns with 4.8K CL. My wife got the same CL when she applied a month ago (reallocated more from Driver's Edge) and 14K on her Hilton HHonors MC, which she could not reallocate. You have to change the Hilton HHonors to a generic Platinum Select or Diamond Preferred before you can reallocate/consolidate it.

EugeneV said:Yeah, I figured... Well, I'll wait for the points for first purchase to post. Was thinking of keeping the card for some benefits it offers actually.
If you're collecting Hilton points, the AMEX Hilton card is better for Hilton purchases and the Citi card is better used for signup bonuses and reallocating credit lines.

BofA auto-declined an application because EX was frozen and I called an analyst and asked to pull another report - that's how I got their attention. EX was never brought up after that. It was only my bill pay usage - cycling the same money, as, according to their algorithms, I cannot be actually "spending" that much.

When I told them that I just want to keep the accounts open, even with reduced credit limits ("since I have plenty of available credit elsewhere"), they said it was "also a concern". I actually do understand all their concerns and I'm glad I got to keep the accounts. BofA limits don't matter since my bill pay days are over anyway. Sure, high limits in aggregate help keep utilization low, but as you see they can also hurt.

I called the executive offices and they put me in touch with the right person in credit dept, and he gave me his direct number. I cannot find the exec number now but it was posted in FWF somewhere.

Yes, they were true reinstatements (same account numbers/age and worldpoints balances). Credit reports were not updated with new limits yet. Billpay is available on those cards that had it before.

ask them for 30K, which is the true max initial CL. 20K is the limit if applying via the website. it's a glitch they can correct when you get your approval call.

Citi pulled EQ for my CashReturns app (3 weeks ago). SECU raised CL to 30K. They pulled TU (when I applied, no second pull).

BofA Biz just declined my targetted app, citing "You have an insufficient personal credit file" as reason from Experian. It is frozen, duh. They also would not open an NEA MMA for me for the same reason - I tried three times and even applied over the phone last time and asked them to enter a request to use another CRA in application notes.

Applied for Wachovia (Personal) - initially deferred. Just called them - approved, but CSR would not tell me the CL. They pulled TU.

Applied for WAMU ESPN card (0% on BT for 12 months, $75 max fee - just keep changing the last digit in the offer_id until you find something you like) and got 7.5K CL, but I asked for 25K BT on the application. Called and found out that they automatically reduce BT to 90% of the CL. It will put my utilization at over 90% when you add the fee, which is certainly not something that I would want reported - hopefully will be able to pay before they report. They pulled TU.

Applied for M&T Biz, Cambridge Trust Biz and Woodforest and requested 24.5K BT with each - deferred. NWA Visa Signature (Personal) - deferred. ELAN also pulled TU - only one pull from them so far.

Applied for TD Banknorth Biz (0% on BT for 6 months, $75 max fee) - deferred. No pull from them yet - they are either very slow or tried pulling Experian.

EugeneV said:Wachovia and ELAN pulls somehow disappeared from TU - I checked via PM123 and CreditSecure - no idea what's going on, as I have not been pulling my credit often lately.
They will probably come back. The day after my TU pulls they vanished, only to reappear the 2nd day after application. Some others have noted the disappear/reappear phenomenon as well.

Although I haven't leveraged that particular phenomenon, it seems to me that if you know who's going to pull TU, you could do some apps on Day 1, then some more on Day 2 while the Day 1 inqs are missing.

What's the lending area for TD Banknorth?

Applied for Associated and got 15K CL (instantly) - pulled EQ, as before. Not sure if I should consolidate it into CashReturns or save for 0% no fee BT for 12 months, that can be initiated at any time during the first 12 months.

Applied for US Bank/Linux Fund card - deferred. My guess is, they attempted to pull Experian, like for NWA.