djspray said:Got a few cards today. Advanta, ESPN, and both AMEX's are in. BT'd $9,000 from Advanta to checking ($90 fee). $13,000 from BofA is showing in FNBO today, that makes me happy. Received Penfed materials today, sending back in tomorrow, but still no notification about online notes about "Financial Verification". I reallocated my AMEX's to give me $43,400 available for 6 mo. BT on IN:Chicago. If I remember right, they recently changed the rules regarding their BT checks, and they are all (no matter who's name it's in) counted as Cash Advances, or atleast that's the CSR convinced me of. I'm trying to devise a way to BT to one of my cards to utilize it. Suggestions? I'll let you know what I come up with.

You need to launder. The PenFed would be great for that. Take a no-fee cash advance and pay it off with a BT from AMEX. You could also use a no-fee BT card (e.g., Citi Biz or US Bank). Just make sure you create the balance FIRST and then request the BT. Seems like everyone (even Citi) is getting twitchier about negative card balances.

Received Barclay's cards, Key Bank, IN:Chicago, and a few others on Saturday. Also received a Kohl's card with a CL of $1,500 after they said they declined me in store. Recieved Discover and CitiBus PP today. Denial for 5/3 Business card - excessive inquiries, new lines, insufficient time of relationship (I assume with bank, lol), etc. Upon activating and hearing that woman's wonderful voice, I realized the Key Bank card is a division of Citi. I know I read that somewhere, but I almost wish I hadn't applied if I could have reallocated more to my Citi cards. Reallocated $3,000 from National Park to Bank Atlantic, which is now $10k. I'll prolly take almost all of that out once I get some BT checks. Got Lasalle Bank(for $200 bonus) on Sat., and SBoT info today which was much quicker than I expected. I will try to make it to notary today to get that app moving. Realistically, it looks like I might top out at ~$125k BT money if I can get the Penfed issue squared away(for $20k AMEX BT), which I emailed them about today.

Long break, progress stalled somewhat. BT'd $6,300 from USBank (no fee) to BofA Iowa last Wednesday, and will request ACH to checking once it appears. Chase Business Rewards app was still pending last Wed., who knows what they are still doing. The Chase AMA card I converted too has 0%, 12m BT, $75 fee offer, too, and I just got checks over the weekend, so the Chase BT will happen no matter what. Started some reallocations on Citi personal cards to start moving to business, should have $5k to move while keeping reasonable CL's on personal side.

Penfed is becoming a pain. Penfed wanted last two paystubs, which I sent .pdf's last week. Now they changed their notes to "still require income verification noted 'additional income.'" This additional income is my two housemates making the same income as myself. I actually have 3 right now, but one is leaving soon and didn't want to push it. I don't want to bring them into this, even though they are following my progress. I'm thinking of sending an email saying that it is the income of my two housemates which are the same salary, and can give contact info, but would rather not send them actual paystubs. Thoughts?

I could send them my Bank Accounts showing BT proceeds and some my IRA that I started a couple years ago. I'll just give them what I have, and worse case scenario they approve me for a lower CL.

you could probably convert the citi AMEX card to something with a reportable (and reallocate-able) limit. it's a pretty sweet rewards card, though. you might actually want to use it to (gasp!) buy something.

btw, did you ever find out why nat city declined your lifesprings app? any chance at reconsideration?

i'm strongly considering Eugene's semi-rolling A0R technique to guarantee app order. If this is important, I don't see much downside to spacing your A0R over a week or 2.

The $6,300 negative balance from BT just showed up today in BofA. I'm considering one of two approaches since I probably shouldn't have gotten myself here in the first place.

1) Transfer online to BofA checking account, then hope that they don't assess cash advance fee, then call if they do to see about having it removed. Then transfer out to FNBO via ACH
2) Call and say I made mistake by sending to wrong BofA card (NEA has BT already out) and see if they can just transfer to checking.

The second requires human contact, but it seems from following this thread that they may be watching online transactions anyway.

Semi-roll works - and group the apps by the bank, too - some banks pull fewer than the number of apps you have. Do be mindful that some cards may take a week or two to get approved (Discover Biz took 2 weeks,for example - but pulled TU). Citi reports new accounts very quickly, so may get those apps toward the end of the AOR. From what I see, score takes a pounding not so much from extra inquiries, but with second new account showing up on a CRA report. I wouldn't space it over more than a week or two though - as the new accounts are bound to start showing up by then. And one would want to reallocate clis and have BTs in place before freaking he issuers with new accounts

lhendricks92 said:i'm strongly considering Eugene's semi-rolling A0R technique to guarantee app order. If this is important, I don't see much downside to spacing your A0R over a week or 2.

babaamit said:Hey,
I was wondering if the AMEX deal still has 25,000 points. I read the fineprint as reccomended but I only saw 5,000 bonus points (and more with major purchases)..... Are there any amx cards still giving the 25k or did this end in the last few weeks?
THANKS
babaamit,
See my post here. The front page and terms at the top of the app page don't mention the 25k points, but the terms link (here) still say 25k points after first purchase, no minimum. I also have a screen shot.

-Penfed finally declined me, stating not enough HHI for requested amount. That was a waste of $5 in their account. I'm going to have to figure out another way to get my AMEX BT out.

-$6300 negative balance on BofA Iowa is still there, and I can't transfer it. I figure I'll wait until my statement closes, then see if I can transfer. They haven't contacted me about it.

-Requested another $3k check from CitiBiz PP.

-Called Chase (after hours) about moving $24.5k from Freedom to Business Rebate again. He said it should go through no problem, and even promoted the idea of investing it. My favorite line was "I'm probably just the gray-haired guy that you hate to listen to about financial advice..." I wish I got more CSRs like him. I'll be thrilled if this $42k BT for $75 fee goes through.