EugeneV said:One thing that triggers Juniper review is total reported debt over 40% of stated income.

Thats an interesting data point, thanks. Bottomline is stay away from Juniper cards

Stupid question, but what is the $40 card bonus for the Discover more and how do you get it in addition to the $40 from cardselection (since you have to click the link through cardselection to get their $40 bonus)? Thanks for your help with this!

springfieldmo said:Sorry, I now see how obvious the answer was. That's a reward from the card itself. Sorry for cluttering the thread with such a stupid question.

No problem, atleast you spent time to figure it out yourself

You're wrong to assume that. I've recently disputed a balance off TU, but both EXP and EQF still show the same balances. Disputing on TU is easy - online link from TrueCredit/PM123

Hindustani said:I paid off all my balances last week. I have disputed the balances on my Equifax credit report so that I can get the balances updated sooner. However, I did not find a way to dispute on my EX and TU credit reports. Does anyone know how to do this?

Do I need to even do this as my assumption is that the card issuer when reporting to EQ as part of dispute resolution will most likely also report my zero balances to EX and TU. Or am I wrong to assume this?

Hindustani said:EugeneV said:One thing that triggers Juniper review is total reported debt over 40% of stated income.

Thats an interesting data point, thanks. Bottomline is stay away from Juniper cards

You don't need to stay away, you just need to be prepared for the adverse action that is coming and plan accordingly.

Speaking about adverse action by Juniper, here's another troubling data point. For those doing spouse AOR/BT, take notice. This happened recently.

Juniper told me that they would close my CC account due to high revolving debt (I did AOR & BT). Few days prior, I had just deposited BT check on wife's Juniper card. Without notice, they reduced my wife's Juniper CL by 80% (the CL was granted 4 weeks before), causing the BT check to bounce. Her TrueCredit FAKO were still around 750-ish with total util. of about 1.5 % her total CL. For the most part we have separate credit, the exception being: a joint mortgage, 1 Citi account and 1 AMEX Costco account (All from pre-FW days).
I conclude her Juniper line was dramatically reduced because *I* have too high of revolving debt for their taste.

rsean78 said:Speaking about adverse action by Juniper, here's another troubling data point. For those doing spouse AOR/BT, take notice. This happened recently.

Juniper told me that they would close my CC account due to high revolving debt (I did AOR & BT). Few days prior, I had just deposited BT check on wife's Juniper card. Without notice, they reduced my wife's Juniper CL by 80% (the CL was granted 4 weeks before), causing the BT check to bounce. Her TrueCredit FAKO were still around 750-ish with total util. of about 1.5 % her total CL. For the most part we have separate credit, the exception being: a joint mortgage, 1 Citi account and 1 AMEX Costco account (All from pre-FW days).
I conclude her Juniper line was dramatically reduced because *I* have too high of revolving debt for their taste.

Doesn't your wife want to call Juniper and ask why would they decrease her CL if she does not have high balances and her credit score is good?

Hindustani said:Thats a very good point. Is BankAtlantic known to issue business cards to people with 0 years in business and 0 revenue?

yes, per the QS of MikeR397's business A0R thread.

Economist said:Why not add Discover Biz 18-month offer? Also, you can get 2x personal and 2x biz citi lines in a single rama-o-app Lifespring you probably should go for the 25k BT with app per other's suggestion (but make sure you get payment in quickly, as they tend to set you CL = BT => 100% utilization). One of the quickest to approve and post BT...

Thanks for your suggestions. As this is the first time I am applying for biz cards and since I really do not have a business, I thought I should take it easy on the number of biz cards I apply for. I picked the ones that are known to give CL to apps with 0 years, $0 revenue profile. Is discover biz one of them?

With citi I have almost hit my max exposure as far as personal lines go. So no point applying for 2 personal cards. With biz cards I decided to apply for only one as I want to first see if they will even give me a CL without an actual biz

I will definitely ask for $25k BT with app for Lifespring as you suggested. Would they BT to bank account or do I need to BT to a Citi card (no balance, so I will go to a negative balance and ask for a refiund check, hopes this trick still works)

if you're at max exposure with citi, get the hilton honors visa and reallocate. it seems to have its own independent credit bucket. you might have to downgrade from visa signature to reallocate. search for scott1961's posts in the reallocation thread.