.

GEMB (personal) - declined: "AMOUNT OWED ON ACCOUNTS IS TOO HIGH" (pulled EQ)
FNBO Biz - still deferred. They called me today regarding EXP freeze and easily agreed to pull another CRA (EQ).
BankAtlantic Biz - approved for 10K (pulled TU)
Juniper/Lufthansa (personal) - approved for 5K (pulled TU)
National City - still deferred (pulled TU)
Citi Biz PP - still deferred (EQ, again)

I see a third TU pull from Barclays as well (must be for National Parks card) and one TU pull from WAMU.

My PM123 FAKO went up to 789 (TU), 786 (EQ) before these inquiries, now at 781 (TU) and 782 (EQ).

National City - approved (10K)
CitiBiz PP - approved (4K)
*** FCU Biz - approved (25K, personal CLI with them denied due to "total exposure limits")
RBS - declined (pulled EQ)
US Bank - declined ("out of service area", no pull)

I requested CLI on the new Lufthansa card and faxed Barclays proof of income. I've tried requesting CLI on BankAtlantic Biz card as well, but they insisted on a new hard pull, even though they just got my report a few days ago. Also faxed same docs for Citi Biz CLI, which I requested yesterday.

FNBO still pending.

BofA closed one of my useless (not enabled for Billpay Choice) accounts for "inactivity" and re-opened after I called them and complained.

interesting responses so far.

I just spoke to a senior credit analyst at BofA who was able to re-activate my US Airways Visa app and pulled a report from another CRA (I did not ask which one). Unfortunately, she noticed all my bill pay activity... I explained that I often accept low rate BT offers from other issuers, and then pay them off via BofA for an additional grace period, and emphasized that BofA cards are always paid from my checking account and there is no money cycling involved. She did not question me further, but said I'll get a response in the mail within 7-10 days. Does not sound good...

did i miss the reason why you're spreading your apps over several days? just curious.

You're correct, the accounts and balances won't show up, but the inquiries will still be on your personal CR. I'm guessing you fall in the inquiries-are-mostly-insignificant camp. GL

I see the strategy, and now that I see he had pretty much zero inq's before starting, I agree it shouldn't be a problem. I forgot he is one of the bumpage aficionado's. Ordering them is pretty much a guess it seems, it is good to see another strategy.

EugeneV said:FNBO (personal) declined my app based on the number of inquiries on my ICS Consumer Report and told me to call them at 800 995-2590
I am not the only one - http://creditboards.com/forums/lofiversion/index.php/t183394.html
http://creditboards.com/forums/lofiversion/index.php/t139892.html
http://www.visaicsdirect.com/faq.html
THERE IS YOUR AOR KILLER!

Kills the business app, bumpage, personal app strategy. Not a good idea to be loading your credit report with 30+ inquires every year.

From the ICS faq...

...These studies have shown that the most powerful predictor of such credit loss is application activity for a social security number (SSN). Accounts with SSN bankcard application activity greater than selected thresholds are significantly more likely to become bankrupt or charged off than accounts below those thresholds. The most telling SSN activity threshold is 6 or more applications within 90 days. As many as 75% of accounts that hit this threshold are likely to become bankrupt or charged off.