yep, that's how my amazingly soft F/R started. They just confirmed some data, asked me to confirm my income over the phone, and then sent me on my merry way.

Others have had worse experiences, of course.

-I've left 2 messages with "Ms. Williams" about my F/R, and haven't had a call returned. My cards aren't suspended, but I'm thinking about calling to complain about their CSRs never returning calls. They take customer service pretty seriously, so they might just go ahead and dismiss my case. I tried to call and cancel my old Blue Cash for business, but it kept transferring me to F/R dept. and asking for my extension. Thoughts?

-I got my $9k Citi BT check yesterday, and I expect my $3k one today. I'll be sending those (hopefully tomorrow) in with a $42k check from Chase Business Rebate to SBoT.

Now to figure out how to get money out of AMEX and Bank Atlantic. Anyone experience on BT'ing to check card with Juniper? I'm going to check the "summary" thread.

With Barclay/BankAtlantic/Juniper I recommend just biting the bullet and BT'ing to another card. Either a citibank card you can get a credit balance refund on, or a card you can do no-fee deposits into a bank account from.

-Somewhere between reallocating $3k of National Parks to Bank Atlantic($7,000) and being told I was denied for a CLI by Bank Atlantic on 11/19, my CL ended up being $15k. Who knows. BT'd $14.5k to check card, against the advice above. Feel free to let the "I told you so's" flow if this goes bad. It was indicated to me that the balance would be transfered electronically, and I plan to watch the progress like a hawk. I also was unsure as to how Citi would treat a $14.5k negative balance on a $4k card. If it does go sour, at least it will be another data point.

-Very disheartened to see SBoT changing to 5.01% APY. As soon as I receive my debit card from them for online access (hopefully showing my 12k from Citi and 42k from Chase), I will probably transfer the funds out to FNBO. I thought it was too good to be true.

-BT'd $9k from Discover Biz Miles to Chase Check card. I forgot to make small purchases for the two Miles cards in November, so I guess I lost 2,000 miles. No biggie. I'm sure 24,000 miles will still net me something nice.

-Tried to clear up utilization numbers, which hadn't been updated in QS for a while (thanks Economist). If there is anything else that is unclear in my post or QS, let me know.

-I'm convinced that NC and PM123 are only bumping one inq at a time now, whereas it was doing double damage for sure at first. I haven't been blocked either. Interesting.

djspray said:
-Very disheartened to see SBoT changing to 5.01% APY. As soon as I receive my debit card from them for online access (hopefully showing my 12k from Citi and 42k from Chase), I will probably transfer the funds out to FNBO. I thought it was too good to be true.

Why not E*TRADE? Same 5.05% APY, but:
1) faster transfers
2) larger number of accounts to link with

Regarding where to stash AOR cash, I just bought a 6 month and 3 month CD at Countrywide. They raised their rates to 5.5% today, while everyone else is dropping. I'm also keeping some more "liquid" at Etrade and Fidelity, just in case. So my average yield is almost 5.4%.

https://bank.countrywide.com/CWBRates.aspx

I've enjoyed your thread! Now back to lurk mode ....

Ok, ok. You guys sold me on Countrywide. I'll probably open Savingslink(5.3%, $10k min) and a 6m 5.5% CD once I do some math to figure out how much I can lock away. A few things have to happen before then, though: my oustanding BT's (Citi, Chase, Bank Atlantic) have to post to accounts. I also need my SBoT debit card to get online access so I can finish linking to FNBO to withdraw the funds. I'm impatient sometimes, and timing on getting this money out is driving me nuts. Well, it'll only make me stronger, right

Edit: Oh, and Bank Atlantic immediately recognized the Check Card as a no-go. They declined the BT that afternoon, after which I submitted another (same amount) to Citi Diamond Preferred (non-0%-for-life).

-$9.5k BT from Discover Biz to Chase Checking posted 12/17, showed up online today.

-$14.5k BT from Bank Atlantic to Citi Diamond still "Pending."

-TU inq's all bumped today. Hopefully I can get to EQ before PM123 and/or NC shuts me down.

-Got 15,000 TYP on 1st statement from CitiBiz PP, and will hit $300 purchases on Citi Plat AMEX this month for another 15k. I've been clearing out my TYP in student loan rebates and depositing them as quickly as possible in case Citi tries anything adverse. I've been cleaning up with my 5 TYP/$ Diam. Pref. since September, netting ~$475. They probably can't wait till it expires 1/15.

djspray said:Just spoke with a nice BofA CSR about refunding my $6,300 negative balance on Iowa card. It didn't seem like a big deal at all to her, and she said she could either send me a check, or could transfer to another BofA card. I asked about transfer to checking, but she said it would be considered a BT and would be subject to BT fee, rates, etc. I don't think that's correct since it's a negative balance, but I didn't want to press the issue and get a manager involved. I was just happy to be presented with the option of a check. Now I just hope I evade adverse reaction from the people actually writing the check...

Did you ask if you could BT the neg balance and the credit line? that way you could just pay what ever the capped fee was. I did call BofA biz last night and since I have a -11.00 balance it asked me again if I was calling about the neg balance.