-Money posted in Fidelity this morning, I bought FSLXX.

-Still no word on accepted application to OneUnited.

-Trouble in paradise? Added and paid my Bank Atlantic minimum payment from FNBO ~10 days ago. Logged on yesterday (my due date, after 5pm, argh) after a ski trip weekend and saw no payment posted and a $39 late payment fee. Immediately sent another payment using FNBO again, and there is still no pending payment showing up on their site. I sent a secure message first explaining the situation. We'll see if they can take care of it that way first before I make a slightly more agitate phone call.

Your scores are still pretty impaired, I don't think you'd get much from any new apps.

I know the feeling though, I was eyeing the Citibank cash returns card. The 5% CashBack would be nice when I have to pay my (pretty large) tax bill.

A couple updates, but mostly coasting.

- All funds transfered to OneUnited, currently down from 4.6% to 4.0%. This is still one of the best savings rates, and I haven't had any complaints thus far. It takes a day longer in transfers than I'm used to. I'm attempting the $50 bonus using Paypal DD, as well.

- PM123 scores have been stable until the last week, when EX rose 662->668 and EQ dropped 680->674. I haven't been able to figure out what triggered it, other than maybe passing some utilization threshold. Still haven't bumped EQ inq from December, but should be close.

- BankAtlantic card is still showing 0% for my BT, so no worries.

- Chase Business Checking bonus ($250) posted, no inquiry. Recently applied and was accepted for BOA Business Checking ($100 bonus) no inq.

Two of my EQ inquiries also appear to be hanging around too long.

"Length of time with opened account."
What on earth does *that* mean?

Please tell me that either (a) it's too early in the AM, and I'm not awake yet, or (b) that's something poorly translated from another language.

I think they purposefully pick reasons that you can't help, or do anything to dispute. Some of them are very random. I've got $300k of credit card debt showing and you are reducing my limit b/c my card has not been opened up long enough??? Next time I'll try harder for an older new card.

-Well, it seems I'm no longer flying under the radar. I received a letter on Monday saying that they were reducing my CL on my Premier Cash Rebate card to within $1000 of my BT(currently $39,200k). They cited 2 reasons pertaining to a high balance(I forget exact wording). This is reduced from a CL of $43k. If memory serves me right from other AOR's, I can expect them to reduce this CL every month when I make a payment. Some reported closures after the BT is paid off, but I hope that doesn't become the case. I reduced all my other Chase cards to $500 or 1k to make this reallocation happen. "Such is life...with Chase" seems to be an appropriate slogan around FWF.

-Got a letter from RBS regarding my Platinum card. They noticed that I hadn't used their card in several months (or ever, lol), and that think it "is in our mutual interest to close the account." They said it would protect me from "future fraudulent transactions or identity theft." What sucks is they closed it when they sent the letter. Only a $4k personal CL, but shouldn't I be able to help decide what is in my mutual interest?

-FAKO scores have fluctuated a bit, but I'm above 700's with all of them. There were a few days that showed them as high as 720's, but fell again a couple days after. I'm guessing this was from choppage (I'll never be able to bump only pulling daily with PM123), but I haven't been tracking my pulls as closely as the choppage thread.

-No further CL cuts from Advanta or Chase.

djspray said:-Got a letter from RBS regarding my Platinum card. They noticed that I hadn't used their card in several months (or ever, lol), and that think it "is in our mutual interest to close the account." They said it would protect me from "future fraudulent transactions or identity theft." What sucks is they closed it when they sent the letter. Only a $4k personal CL, but shouldn't I be able to help decide what is in my mutual interest? Did you try calling and speaking to them in an effort to re-open and keep the account open? Sometimes they are amenable in time frames under six months (?) from the decision date.

I'll try it when I get home tonight. I probably won't put too much of a fight for a paltry $4k anyway.