After my successful AOR ->Link, I decided it was time for my wife to jump into the AOR game
I wanted to expand on everything I had learned from the previous AOR and make the results even better. My main changes were: 1. More business cards 2. Use CardSelection.com for all of the offers that are the same to get the cash! 3. Make sure to apply for cards with bonus gift cards (we will be remodeling our bathrooms and I would like to pay for the materials of one bathroom with the proceeds of the combined AOR gift cards)
HHI: $210K AGE: 30 Pre AOR Credit Scores (TU(inquiries) / EXP(inquiries) / EQ(inquiries)) : I was too lazy to sign up for credit monitoring so I used the free annual report to pull the inquiries. Her score should be very similar to mine pre-AOR (770-790) Maybe a bit better without the inquiories (1) /(2) /(0) (10/19/07)
Current Cards Opened CL Balance Utilization (all are authorized user only) AMEX Blue 2003 $31K $0 0% BoA (Rewards) 2006 $3K $0 0% *HSBC (DirectRewards) 2006 $25K $1071 4.2% Citi Diamond Preferred Card 2003 $15K $0 0% *Citi Professional TY 2006 $10K $541 5.41% *BOA FIA CSNA (Fidelity Rewards) 2005 $16K $1498 9.4% Discover 2000 $7.5K $0 0% WAMU 2007 $5K $0 0% Total $112,500 $3.1K 2.75% * are everyday cards that are paid off every month
Other Debts Mortgage 1 House $~146K of $189K original balance opened in 2003 ** Mortgage was sold to Citi and is currently not showing up on Equifax because it is in transition Mortgage 2 HELOC 30K limit 0 balance opened in 2006
Personal Cards Card/Cardselection bonus/Requirement for bonus/ Card Bonus/ 0% length/ BT Fee/yearly fee/avoidance of yearly fee citi drivers edge/$25/none/none/12/$0/none/none citi att platinum/none/1 purchase/6K TYP/12/$0/none/none Citi Professional TY Card - Targeted by me for me /none/1 purchase/10K TYP + 10k TYP/12/$0/none/none BOA Platinum/none/none/none/12/$0/none/none BOA NEA/none/none/none/12/$30/none/none chase Sony/none/1 purchase/$100/12/$75/none/none chase priority club/none/1 purchase/ $20 + 30k points/??/$75/$29/none Juniper National Park/none/BT or purchase/Free BackPack/12/$50/none/none Discover Miles/$40/none/none/6/$75/none/none US Bank/none/none/none/12/$0/$40/1 Purchase American Express in Chicago/$30/none/none/6/$0/none/none National City Life Spring/none/none/none/12/$0/none/none HSBC Platinum/none/none/none/12/$99/none/none ** late pull just for the $150.00 gift card BOA Royal Carribean/none/1 purchase/$150 GC/0/uncapped/none/none
Personal Cards citi drivers edge - Instant Approval 4.2K CLI Denied [BT'D 4.1K] citi att platinum - Deferred Approval 4.2K CLI -> Asked for 10K got 10K [BT'D 9.95K] Citi Professional TY Card - Instant Approval 20K[BT'D 19.9K] BOA Platinum - Deferred Approval 10KCLR -> 17K [BT'D 16.7K] BOA NEA - Deferred Approval 2.5K -> Will CLR the line to Platinum and close card chase Sony - Deferred Approval 9K CLR -> 29.5K [BT'D 29.4K] chase priority club - Deferred Approval 21K 6 mo 0% BT CLR 20.5K to Sony Juniper National Park - Deferred Approval 7.5K [BT'D 7.4K] Discover Miles - Deferred Approval 25K - Foo I just looked and it is a 6 month BT ->CLR'd 20K (max) to the Discover Business Miles card US Bank - Deferred Approval 10K[BT'D 9.9K] American Express in Chicago - Instant Approval 16.5K [BT'D 16.4K] National City Life Spring - Deferred Approval 10.5K [BT'D 10.4K] BOA Royal Carribean - Deferred Approval 5K Will CLR 4.5K to platinum and make one purchase for the GC HSBC Platinum - Instant Approval $600 (Yeah thats right!! $600 ! I am not even activating this)
Business Cards Bank Atlantic Juniper - Deferred Denied - Reason "Adaquate Juniper credit already exists" Advanta Platinum Business - Instant Approval 12.5K [BT'D 12.25K] American Express Business Gold - Instant Approval no limit CitiBusiness® Card with ThankYouSM Network - Deferred Approval 10K CLI Denied "Already at max" CLR'd to 20K from Primear pass CitiBusiness® PremierPassSM Card - Deferred Approval 10K Got the 15K points then CLR to the Business card above National City Visa® Business - Deferred Approval 5K [BT'D 4.95K] 53 Business - Deferred Approval 1.5K chase GM Card - Deferred Approval 9K -> moved the line to the business rebate card to save the BT fee chase Business Rebate - Deferred Approval 9K ->CLR to 18K [BT'D 17.9K] Discover Miles Business - Deferred Approval 5K ->CLR to 25K [BT'D 24.9K] Chase Priority Club Business Rewards Suprise Approval 15K!! I did not sign up for this
Total Business Cards: 10+1 Total Defered Business: 8 Total Instant Business Approvals: 2 Total Defered Business Approved: 7+1 Total Defered Business Denied: 1 ** the +1 is a Chase card that I did not sign up for but got anyway **
Total Personal Cards: 13+1 Total Instant Personal Approvals: 4 Total Defered Personal: 9+1 Total Defered Personal Approved: 9+1 Total Defered Personal Denied: 0 ** the plus one is a BOA card I signed up for after the AOR
After CLR's Total new Personal CL for BT so far: 131.8K Total new Business CL for BT so far: 97K
The fruits of my labor currently sitting at 5.4% at CountryWide: 6 Month 0% money: $21.3K (Available lines $23K) 12 month 0% money: $185.425K (Available lines $186.7K) 16 month 0% money: $12.25K (Available lines $12.5K) BT Fees paid: -$499
Gift Cards and Cash expected (confirmed) American Express points: 25+5K for $250 GC (25K) Had to call on 25K, gave up on 5K Citi TYP: 51K ($500 GC) (51K) Had to call for the 6K ATT points CardSelection.com $280.00 ($280) Statement Credits: $100 Sony, $20.00 Chase ($120) Priority Club Points: 30K+10K ~$400.00 (40K) (last 10K was a pain) RCCL 15K points for $150 onboard credit ($150) Backpack (had to call, finally got it) Sony Point bonus 10K $100 - Waiting Retention bonus's TBD
Total Value of AOR so far gifts and points $1800 Total Value of AOR estimated 12 months interest (figuring a high 2% payback per month) $10.7K pre tax Total Value of AOR after 35% state and federal tax $7850 net
My Tips and Tricks I have learned through 2 AOR's (will update this later):
1. WAMU and HSBC give crappy limits so don't waste your time on an application from either! 2. cardselection.com is a great way to make a couple hundred extras on the applications you are already going to do! 3. The best way to compile a list of cards is to look through recent AOR's here and look through cardselections.com I compiled this list in about 1.5 hours. 4. Plan the number of applications for each issuer. Try to get as many issuers as possible. 5. Do not do daily pulls through a credit reporting service before the AOR if you do not have hard pulls that you would like to eliminate. 6. Citi is fickle on CLR's they will only do certain types of cards, you will probably have to recharacterize cards to the Diamond preferred to CLR. I tried with the drivers edge (because of the crappy CL) to the professional and I will have to recharacterize the card. 7. You can BT (via check or bank) online with Citi. 8. Chase, BOA, and discover are very easy to CLR. 9. I probably under sold BOA on number of apps after they approved my late app. I think I could have got more. 10. Likewise I probably could have got more chase cards. I am kind of kicking myself for not doing the miles cards then transferring the CL to a 0% I think I could have maximized the rewards a bit better. Figure 25K miles is worth about $450 and 35K is worth about 1K if you can get a Hawaii ticket. 11. Save the trees!! Once autopay is setup, convert to electronic statements and save a forest in Canada! 12. BT over and over on no fee, unlimited BT cards (like Citi and BOA). I have sucessfully deferred payment on 6 month cards by over 10K. Why payback money when you can just re-borrow it again from money already paid back? As a bonus it is a legitimate BT. 13. Don't count out retention bonuss. They can add up. 14. Being a deadbeat (err person with high utilization) has its privilage. The Citi payment partner program.
How I am getting the cash?
Juniper National Parks: Writing check that came with the card to myself AMEX in Chicago: BT'd online to my BOA card from the previous AOR then I will call and have them DD the money Advanta: BT'd online to my BOA card from the previous AOR then I will call and have them DD the money Discover Miles Personal: Sending blank BT checks -> will not use after CLR to the Miles Business Discover Miles Business: No BT checks BT'd online to my BOA card from the previous AOR then I will call and have them DD the money Chase Cards: Reallocating to one business and one consumer card (Sony) then writing one check that came with the cards to myself(saves the $75.00 BT fee) Life Springs: CSR is sending out a check made out to me Citi's Drivers Edge: Used the checks they sent Citi cards: Go online and use the BT offers to either have checks sent to me or deposited directly in the account. USBank card - BT'd to my BOA card from the previous AOR then I will call and have them DD the money. National City Business - BT'd to my BOA card from the previous AOR then I will call and have them DD the money.
1. Reallocation - I think I could have reallocated further on Chase. Obviously the late unexpected arrival is a *must* fee card but I could have reallocated from personal to business to avoid one fee. 2. Figuring out exact payments and timeframe to maximize CD lengths (with interest rates falling I wish I would have locked in for longer)
Adverse action:
Chase is a bunch of clowns!! The timeline is as follows: 11-3-07 make small purchase of $2.11 on the Sony card for the $100.00 bonus. 11-5-07 Pay for the small purchase using their site through a fidelity account (deducted same day). 11-6-07 Reallocate 20.5K (leaving 500) from Priority Club to Sony 11-7-07 Online Sony shows a CL of 29.5K and Priority Club $500 11-8-07 Deposit the check that came with the Sony card for 29.4K to the same account listed above 11-9-07 I apply for a United Card (Chase) and they pull the CR (I figure no biggie) am denied (no balances show on the CR). I really don't care about the denied. 11-14-07 Log on to Chase.com and notice that the Sony card no longer shows up (I think it is just a systems glitch) 11-15-07 Check is returned to Fidelity and deducted from my account. I called and asked the fidelity rep the reason and he said that no reason had been given just that the check had been returned. Next step is to call chase and see what's up. It's total BS that the account just DISAPPEARED without any notification. The Priority club card still shows a $500.00 limit. Called CSR and spent an hour with 3 different people and they unfroze the account and are sending out a new check via UPS. I guess it was not adverse action just their normal fraud prevention.
2-25-08 Advanta did a review from Equifax (sp on 2-8-08) and lowered the limit to 11550. The current balance is 11488. Not that I really care because I won't be taking another draw and you have to cancel Advanta to get a new one on the next AOR. I guess they didn't like the 51% over all utilzation or the 9 cards that are maxed out.
5-5-08 Chase using Experian lowered a business credit limit from 18K -> 16.5K (balance 16.25K) because of high utilization.
6-5-08 Discover lowered a business credit line from 25K -> 21.5K (balance 20.8K) because of high utilization.
6-16-08 Chase strikes again lowering the Sony card limit from 29K -> 26.8K with a balance of 26.4K because of high utilization.
Celeritas
Happy Member
posted: Oct. 19, 2007 @ 2:17p
Great post. Thanks for your hard work. Just one question: what does "do not bump your credit" mean?
It means not to do daily pulls on your credit reports through a service like TrueCredit or Privacy matters 123 before your AOR. All you are doing is adding soft pulls on the stack (see the last three posts here and wasting your time and money. After the AOR, you will need the same amount of pulls to bump off the inquiries (if you did 50 pulls before the AOR you will still need 60+ pulls for TU and 90+ for EQ after the AOR to get those Inquiries to fall off).
I'm not talking about a single report but more the daily pulls that you do after to eventually bump off the adverse hard pulls on TU and EQ.
On my first AOR I pulled every day for 2 months at the expense of my time and $11.21/mo
I changed the wording in my post. Thanks
markkundinger
Senior Member - 2K
posted: Oct. 19, 2007 @ 4:14p
Nice instant on the CitiProfessional. And interesting to see another defective CL on an HSBC card.
DjPiLL
Senior Member - 2K
posted: Oct. 19, 2007 @ 4:19p
Interesting how both Bank Atlantic and Juniper were deferrals. I had instants on both mine and my wife's AOR. I wonder if maybe they are starting to crack down on the big limits.
Pretty much it was card for card the same deferrals and instant approvals I had on my first AOR. The HSBC card was such a joke. How can you call it a platinum card then give a $600 limit to someone with excellent credit. With $600 I could buy 3/8 of an ounce of platinum. I hope those idiots didn't pull experian it would be a shame to waste an un bumpable hard pull on that trash.
DJ - do you actually have a business or are they fake business apps?
DjPiLL
Senior Member - 2K
posted: Oct. 19, 2007 @ 5:02p
dmlavigne1 said: Pretty much it was card for card the same deferrals and instant approvals. The HSBC card was such a joke. How can you call it a platinum card then give a $600 limit to someone with excellent credit. With $600 I could buy 3/8 of an ounce of platinum. I hope those idiots didn't pull experian it would be a shame to waste an un bumpable hard pull on that trash.
DJ - do you actually have a business or are they fake business apps?
I was one of the rare ones that got a 10,500 instant limit for an HSBC card. My wife got the same 600 that you got. They pulled my Equifax and her Experian.
No real business here... other than the one I just started this month.
Is your wife a user on your cards? IE she had no real credit? My wife is joint on our mortgage and on all of the revolving credit, she is just a user.
DjPiLL
Senior Member - 2K
posted: Oct. 19, 2007 @ 6:23p
The only account we share is the Mortgage and HELOC that goes with it. Everything else is individual.
pevo
Addicted Member
posted: Oct. 20, 2007 @ 10:48a
DjPiLL said: Interesting how both Bank Atlantic and Juniper were deferrals. I had instants on both mine and my wife's AOR. I wonder if maybe they are starting to crack down on the big limits.
another data point - my recent WOR just got ~$5500 from the Bank Atlantic business card. I probably won't activate it.
Were you able to get the US Bank offer that says it expires on 9/31? or did you just apply for a card under different terms?
On the citi professional targetted. I assume you are referring to having sent yourself an invitation (for 10K bonus)? Was it an invite in your same name or from your wife's card? Did you do anything special to get the e-mail invite, because I have tried to send one to all of my e-mail addresses and none have actually showed up.
The US bank app went through and the rep (call only) asked my wife if she wanted to do a BT on the spot. She said no. I'll look at the terms and conditions when it arrives but all seemed well.
*** The card did come through with a 0 fee BT offer.
You are right on for the citi card 10K for her (her app) 10K for me. Beats the 15K deal. I didn't do anything for the email request they just sent it to me (my card with my wife as a user). I got the email, clicked it and sent out the invites. I know that they were having an IT glitch because the second time I sent out the email to more names (I always include myself to make sure), it came up with a 5k bonus offer from last year (dated to expire 12/31/06) and "INVMEMNUM" or something like that. Their smtp servers could be backed up. I would just wait.
dmlavigne1 said: You are right on for the citi card 10K for her (her app) 10K for me. Beats the 15K deal.
I was finally able to get one to go through to my gmail account, but I'm wondering if I can refer myself. Yours was ideal because it was your wife referring you, but my wife doesn't have a Professional Card. I do and I understand you can have more than one but I am not sure that referring myself would fly. Has anyone tried this?
I have a professional cash (doing the bt's on) and a professional TY which I use for everyday use. I seriously doubt that they woudl check, I mean a referral is a referral. I doubt they put any smarts in the system and the email is by member number which I think relates to the TYP. Really you are gambling a 5k bonus worst case you only get $100 in gift cards best case (and I think more likely) you get $200.00
kgkg
Member
posted: Oct. 21, 2007 @ 6:12p
Does this BOA Platinum/none/none/none/12/$0/none/none card pull your credit report instantly and give you an answer when you apply?
It was deferred like most cards (other AOR was deferred also). From my past AOR, they did pull my report on the day of application but did take them a week or two to get the card to me.
ndubchak
New Member
posted: Oct. 23, 2007 @ 7:27a
I have a question: how do you guys differentiate between hard pulls and soft pulls on your credit report?
Most of the reporting services (TrueCredit, NC Identity protect, privacy matters 123, etc) do not even show you the soft pulls (all shown are hard pulls). I know Equifax gold actually shows the soft pulls. In short you really do not know or care what the soft pulls are
The cards are starting to come in bank atlantic denied my wife because of the National Parks card. It may be best for those reading to only apply for one Juniper card if they are cracking down. I got 5K Juniper + 10K Bank Atlantic. My Wife got only $7.5K Juniper.
I must have hit a snafu with my Chase Apps because my wife got 2 business cards and the Sony card (still waiting on the Priority Club) with no problems. Bahhh I wanted the Sony card and the United card. I feel jipped.
For anyone out there that can answer the following questions I would appreciate it because these are new facts on this AOR:
1. Has anyone had success with CLI's with Chase on Activation? 2. Has anyone had success doing a CLR with Chase Business? Ideally I would like to close one business card to avoid the $75.00 BT fee and transfer most of the Sony line to business to avoid the other fee. 3. I got the Sony Card in but no where in the documentation does it say anything about the $100 for first purchase. Is this common place? 4. For American Express In Chicago do they provide a BT check or is it card to card only?
win333
Senior Member - 2K
posted: Oct. 26, 2007 @ 12:53p
Chase told me I could CLR from my family handyman--->to chase biz card. YMMV
I haven't tried yet, I just did a BT to the handyman card.
fga1957
New Member
posted: Oct. 26, 2007 @ 9:16p
dmlavigne1 said: The cards are starting to come in bank atlantic denied my wife because of the National Parks card. It may be best for those reading to only apply for one Juniper card if they are cracking down. I got 5K Juniper + 10K Bank Atlantic. My Wife got only $7.5K Juniper.
I must have hit a snafu with my Chase Apps because my wife got 2 business cards and the Sony card (still waiting on the Priority Club) with no problems. Bahhh I wanted the Sony card and the United card. I feel jipped.
For anyone out there that can answer the following questions I would appreciate it because these are new facts on this AOR:
1. Has anyone had success with CLI's with Chase on Activation? 2. Has anyone had success doing a CLR with Chase Business? Ideally I would like to close one business card to avoid the $75.00 BT fee and transfer most of the Sony line to business to avoid the other fee. 3. I got the Sony Card in but no where in the documentation does it say anything about the $100 for first purchase. Is this common place? 4. For American Express In Chicago do they provide a BT check or is it card to card only?
1. Has anyone had success with CLI's with Chase on Activation?
I called Chase tonight but didn't try a CLI on my Sony card
2. Has anyone had success doing a CLR with Chase Business? Ideally I would like to close one business card to avoid the $75.00 BT fee and transfer most of the Sony line to business to avoid the other fee.
Chase CSR told me that you can reallocate personal to business and they will also direct deposit to your bank account although I don't know if this applies to the business cards or not. My call was for the Sony card and she told me it would not be a problem to do this.
3. I got the Sony Card in but no where in the documentation does it say anything about the $100 for first purchase. Is this common place?
This is an interesting story. The reason I called Chase was when went to Chase online last night to check about a new statement I had, I found out that not only was I approved for the Sony card but there was also already a $100 credit posted to this account. I was shocked and couldn't believe it so I needed verification that they wouldn't yank the credit away as if it was a mistake or something. She told me that after checking on this, it was mine although I still needed to make a purchase. I got the actual card in the mail today and like you, there was nothing in the terms about the $100 credit. So I would check Chase online or sign up and register the Sony card. You just might get lucky and the credit is there already.
4. For American Express In Chicago do they provide a BT check or is it card to card only?
Do NOT use the checks they send with the card as they are CASH ADVANCE checks at something like 29%. Use card to card only with AMEX. I double dipped BOA as I did a reallocation of BOA CL's to the Platinum then transfered to my bank. With AMEX, I transfered from my INNYC card to my BOA platinum and after it hit the card, I called BOA and did another transfer directly to my bank account. Hope this helps
win333
Senior Member - 2K
posted: Oct. 26, 2007 @ 10:28p
I just used the chechs with the chase handyman card (I called 1st to be sure) 34000 bt for 99.00
Thats my experience and the check didn't say BT but it was the 1 check that came with the card
Foo, I just noticed that the discover miles card only has a 6 mo BT 0%... And I got a great line on that....
austinmorris
Member
posted: Oct. 30, 2007 @ 11:02p
dmlavigne1 said: Foo, I just noticed that the discover miles card only has a 6 mo BT 0%... And I got a great line on that.... Just relocate the CL to Discover Business card. Be careful using Juniper personal CC, they closed my account after I deposit the enclosed check.
So I have been rolling on the BT's. Citi's redesigned site sucks! You can no longer make a payment when your statement balance is $0.00. Last AOR I would make a small charge, then immediately pay it when it hit. All of the small purchases that were made to earn the TY points will need to be billed via statement before I can pay them off and get the Citi BT's. The BOA cards are MIA much like my Chase cards were on my AOR. Overall though, good success and no real suprises.
DjPiLL
Senior Member - 2K
posted: Nov. 8, 2007 @ 1:46p
dmlavigne1 said: So I have been rolling on the BT's. Citi's redesigned site sucks! You can no longer make a payment when your statement balance is $0.00.
Use an external bill-paying software with a different bank to make your immediate payments.
DjPiLL said: Use an external bill-paying software with a different bank to make your immediate payments.
Thanks. I use Fidelity Bill pay so I may give it a whirl. Although I am not losing any 0% time (just stretching the AOR out) because Citi gives 12 months from the first BT. I will try bill pay though.
dmlavigne1 said: So I just discovered an improvement to Citi's site! Now you can BT (via sent check or ACH) funds without calling the CSR!! Gotta love it.... Hotness. Now if they'll just do the same for the BT I overpaid to my Diamond Card, it would save tons of time in waiting for check to be issued, mailed, deposited, etc.
dmlavigne1 said: So I just discovered an improvement to Citi's site! Now you can BT (via sent check or ACH) funds without calling the CSR!! Gotta love it....
This option was there prior to the interface change ...
bobopig1
Member
posted: Nov. 14, 2007 @ 11:27p
I have 4 citi card. I just found that only one card has this DD option, the other three only have mailing a check option.
cyberkost said: dmlavigne1 said: So I just discovered an improvement to Citi's site! Now you can BT (via sent check or ACH) funds without calling the CSR!! Gotta love it....
This option was there prior to the interface change ...
The Chase Adverse action has started see the second post in this thread for details! Total BS that they just make an account Disappear!!!
markkundinger
Senior Member - 2K
posted: Nov. 15, 2007 @ 12:54p
Have you called Chase yet? It might be adverse action, it might not.
In my first orama, I got 4 new Chase cards. At different times, each one was temporarily frozen by the fraud department (disappeared from online access), and I had to call and validate info, and the card got reactivated. 4 freezings over 3 weeks. It was a big pain, but it wasn't really adverse action.
That's exactly what happened! I talked with 3 different CSR reps and finally got it straightened out. I think it is total BS though because they have to send out a new check and I will lose about 2 weeks worth of interest. I tried everything to get them to extend the 0% or waive the BT fee, nothing. All they did was UPS the check out instead of regular mail. I asked them if this was standard procedure and why couldn't they just call instead of not honoring the check? They really had no answer.
On a side note I did get the $100.00 1st purchase credit finally so that was cool.
My wife also got the BOA cards in today and reallocated the NEA card to the Platinum Plus. BTW she does this with me on the speaker phone and says "talk to my husband" about all of this because she really doesn't care about any of this. While he was moving the CL I made sure that there was no fee and he said "I checked that for you before I started the process." I thought it was pretty cool to check that without being asked. I then asked for the DD to my fidelity account (UMB bank). The CSR said that he couldn't DD to that bank because it is a clearing house for outher financial institutions. I said that they had done multiple DD's to that exact account from my number. He said that he could DD it to a regular account but the previous CSR made a mistake. I asked why.
And I quote. "Sir, when we are loaning out money at very low interest rates, the bank loses money and the bean counters only want the money to go to certain accounts. SOOOMMMMEEE financially savvy people use the money for needs other than our intended purpose. I can just DD the money to a regular checking account then you can do WHATEVER you like with it."
He was very friendly and we had a good laugh about it. My wife just rolled her eyes. This call was by far the most fun call with a CSR I have had. I don't even mind the one day it will sit in a non-interest account.
Of the big 3 (Chase, Citi, and BOA) BOA gets 4+ stars, Citi gets 2.5 stars (mostly for their idiot CSR's and the fact that many times you have to call back) Chase gets -2 stars because of all of the extra effort for both me an my wife and the almost blatent wanting to do business on their offers.
My wife asked "why did you even bother with Chase if they were a pain for you?" I said simple.... 49K in BT money, $120.00 in statement credits and 1-2 free hotel nights.
win333
Senior Member - 2K
posted: Nov. 15, 2007 @ 10:44p
When I got my 1st chase account 500 CLI --->25000 on activation. I wrote the 1st check for 24,000 to my checking and asked the CSR if I could get my statements at my BIZ p.o. box, " She said sure no problem" so I wait a few days and make a 10,000 private mortgage payment (he takes days to cash it). The FREAKIN chase check bounced, which caused my 10,000 payment to bounce!!!!!
So I call chase and they connect me with the FRAUD DEPT., they asked me for social, password, Yada Yada, I was pissed. It's like talking to a freakin wall, " why couldn't you just call me" wall says nothin.
After private motgage was pissed, I got chase to send me a letter stating, that they stopped payment by mistake and that it was all their fault ( I think it helped).
I just wrote another check for 34,000 and you bet your ass I now call chase 1st and get the all clear before writing checks. Then I wait for it to clear. They are 1 touchy bank, they also told me I couldn't DD because I updated my phone #. NOPE had to wait 30 days to DD, even though I've been DDing to the same checking for 4 years.
Chase is great, I always have 0.9% offers on my old accounts, but ya gotta be ready for them to stick ya a little!!
win333 said: When I got my 1st chase account 500 CLI --->25000 on activation. I wrote the 1st check for 24,000 to my checking and asked the CSR if I could get my statements at my BIZ p.o. box, " She said sure no problem" so I wait a few days and make a 10,000 private mortgage payment (he takes days to cash it). The FREAKIN chase check bounced, which caused my 10,000 payment to bounce!!!!!
So I call chase and they connect me with the FRAUD DEPT., they asked me for social, password, Yada Yada, I was pissed. It's like talking to a freakin wall, " why couldn't you just call me" wall says nothin.
After private motgage was pissed, I got chase to send me a letter stating, that they stopped payment by mistake and that it was all their fault ( I think it helped).
I just wrote another check for 34,000 and you bet your ass I now call chase 1st and get the all clear before writing checks. Then I wait for it to clear. They are 1 touchy bank, they also told me I couldn't DD because I updated my phone #. NOPE had to wait 30 days to DD, even though I've been DDing to the same checking for 4 years.
Chase is great, I always have 0.9% offers on my old accounts, but ya gotta be ready for them to stick ya a little!!
Almost verbatum to my experience. The only difference is that my AOR account went from 160+K to 135K so no harm was done. I doubt that Fidelity will charge any sort of fee (if they do, I'll just call and I'm sure they'll waive it. They have excellant CSR). It looked to me like a debit on the history so I think that no adverse action will follow.
bobopig1
Member
posted: Nov. 16, 2007 @ 8:22p
can anyone address my concern? only one of my citi cards has DD option for the BT money. I called several citi CSRs and they are all clueless.
bobopig1 said: I have 4 citi card. I just found that only one card has this DD option, the other three only have mailing a check option.
cyberkost said: dmlavigne1 said: So I just discovered an improvement to Citi's site! Now you can BT (via sent check or ACH) funds without calling the CSR!! Gotta love it....
This option was there prior to the interface change ...
win333
Senior Member - 2K
posted: Nov. 16, 2007 @ 9:33p
I didn't think citi did DD I guess that means my accounts don't have it either!
A little more adverse action of lowering lines (see tips and tricks post). It's silly considering payments are coming in and they are worried about high utilization yet they reduce the lines.
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