BTing $16,100(90% util) of my $18,000 Chase Biz card tomorrow via the convenience check. Unfortunately the BT fee max is $99 instead of $75 and i couldn't get the CSR to change that, maybe i'll try again later on that.

also requested a BT on my Citi Biz card for $12,330(90% util) so they're sending a check to my address to arrive in 7-10 days.

hopefully these 2 checks don't take too long to deposit and I'll then be able to do a same day transfer to my Fidelity MyCash account and get some FSLXX.

markkundinger said:Careful, if you deposit the money directly into a regular bank checking account, the funds may be on hold for a week or two. If the account doesn't pay good interest, it's a huge waste. Now, if your bank loves you, and doesn't put holds on the checks, then no problem. But that's more likely the exception than the rule.

Safest bet is to deposit the money directly into the high yielding vehicle. For instance, drive over to your local Fidelity branch and deposit the checks there. Or even mail them.

Hmmm, just got back from the bank. Yeah, Chase told me that it could take up to 14 days for the check to deposit but I didn't realize I could gain interest while the check was being held, so I just deposited into my checking. Oh well, i'll try depositing the Citi Check directly into Fidelity when it arrives. Thanks for the advice.

Weird news: I got a letter today from Citi in what I thought was gonna be my Citi Biz BT check's envelope, and the letter said my BT could not be made, so I called up a CSR and they said it was cancelled and didn't have the reason available to them, so I asked to get the check sent out to me again so that's happening, but they said they couldn't delay the promotional rate deadline date which stays in mid December 2008, so that's pretty lame that I lost out on 2 weeks interest because they mistakenly cancelled this.
Oh well, hopefully it finally arrives next week.

jevon90 said:BT'd 4750(of 5000) from Advanta to my Citi Pro and couldn't get the $90 fee waived unfortunately, but oh well.

This wasn't really worth doing. The fee amounts to 1.8% of the amount of amount of money you received. That cuts your interest earned by that amount. If you have the money in HYS at 3.8% APY this year, and your marginal taxes on the interest earned are 25% (that is, one-fourth of your APR), then you will make this after taxes:

$180.50
- 45.13 taxes
- 90 BT fee
------
45.37 after-tax profit

You said Avanta, so maybe it's 15 months. Even so, that only changes it by

225.62
-56.41
-90
----
79.21

Yeah I'm expecting those numbers too but profit's profit so I'll take it, and I figured it was on the Business side so it wouldn't be hurting my Credit rating so I can buy a free video game or 2 essentially after it's all said and done. but yeah I'm hoping by AOR 2 I have higher CLs so I don't have to scrape by and do these lower transfers

Wow, so I was just on AMEX and for the heck of it I did some CLIs despite the young history of my cards. On my AMEX IN:LA, that had 11.3K, I got 20K and my Gold Delta Biz Skymiles was going to get 19.8K(up from 1K), but then when I hit submit I got an error message on that card and went back to hit the button again and got a message saying I'd receive a letter in 7-10 days with the decision, so that was weird.
Also will hear back about the Blue card too. I figure I'll wait until next week to hear on these others and potentially reallocate to IN:LA and do a BT for 49% of whatever my final CL is. I realize it'll only be a 4 month BT, but it's feeless, and alot higher than I was originally expecting(6Kish since it was going to be half of 11.3K)

Question, is there anyway to request CLIs on Chase without getting hard inqs? Talking to a CSR seemed to imply that it wasn't possible without the hard inq.

SweetCash said:Were you able to request a BT check on the Discover business line? It seems that they don't cut BT check on Business lines anymore...
I haven't done this Discover BT yet as I'm still debating whether a BT on my 3K CL would be worth the effort. I asked about a CLI and they said to wait 6 months.

Unrelatedly, I did get that 19.8K CL on my Gold Delta Business Skymiles AMEX from last night, so I reallocated 18.8 over to AMEX IN:LA and pulled the trigger on a 19.2K BT on that card to my Citi Pro card. I realize I could get FR'ed by AMEX but I used accurate numbers for my income from my 2006 Tax Forms, so I can't imagine any terrible problems.

Alright, so things are going well on my AOR 1.0 and I'm now considering applying for a fair amount more business cards for further BT possibilities and too expand my relationship with other bank CC issuers and a few personal cards with good bonus offers. I just sent my letter for Experian to be frozen and after that goes into effect I figure it will have been 90 days since my last AOR and my current Inq count is 2/6/0 and my Fakos are 698/757/727 according to PM123. Anybody think this would be a terrible idea? I didn't think this would be too excessive that I would receive A/A but I could also scale back if folks think it might. I also figure I won't be adding many new accounts that'll report(since it's a largely Biz O Rama and the inqs will all be TU and EQ so they can be b*. My plan as is, is to do the first 20 on the list and then may look to do the other 7 apps sometime after the inqs from this O-rama are b* as the offerings of them aren't too appealing or are redundant with other cards i'm applying for.
Cards I'm considering:
Business Cards
CITI
1. CitiBusiness PremierPass, 0% for 12 month BT and 0 fees if done with app, 15,000 pts, $75 annual fee waived 1st year
2. CitiBusiness AAdvantage Mastercard, 25,000 bonus AAdvantage Miles after spending $750 in the 1st 4 months
CHASE
3.Chase Business Cash Rewards, 0% for 12 months, $99 fee, $35 CS Bonus
4.Amazon Business Visa (Chase), 0% for 6 months BT, $75 fees
5. Chevy Chase Bank Platinum Business Card, 0% for 12 months, $99 fees
AMEX
6. Starwood Preferred Guest Business AMEX, 10,000 bonus points, $45 annual fee waived 1st year
7. AMEX Platinum Business FreedomPass, 5,000 bonus points after 1st purchase, 0% on purchases
8. AMEX Platinum Business,0% Intro APR on purchases for 12 months, for Utilization
ELAN
9.M&T Business (Elan), 0% for 6 months BT, $0 fees
10.Cambridge Trust (Elan), 0% for 6 months BT, $0 fees
BOA
11.BoA Platinum Business, 0% for 9 months, $99 fee
12.BoA Alaska Airlines Business, 10,000 Bonus Miles with First Purchase
13.Discover Business Miles, 0% for 12 months, $75 fee, $40 CS Bonus, 12,000 Bonus Points possible with purchase each month
14.Fifth Third MasterCard BusinessCard, 0% for 12 months on BTs, $0 fees
15.Bank Atlantic Rewards Business(Juniper), 0% for 15 months, $75 fees
16.Capital One® Visa® Business Platinum with Preferred No Hassle Miles, 0% on Purchases, $60 CS Bonus

Personal Cards:
17. Citi PremeierPass Elite, 25,000 TYPs, 0% for 15 month BT and 3% uncapped fees, $75 annual fee waived 1st year
18. Citi Hilton HHonors, 15,000 points with first purchase
19. Bank of America Rewards American Express, $100 Bonus with first $25 purchase

Wait til later
20. Citi Associated Bank, 0% for 12 month BT
21.Chase Flexible Rewards Platinum Visa Business, 0% for 6 months BT, $75 fees
22.GE Money Business, 10,000 bonus points
23.BB&T Visa Business (by phone only), 0% for 6 months BT
24.National City Business Visa, 0% for 6 months, ? Fees, 5,000 bonus points
25.WAMU Business (Providian), 0% for 6 months BT, ? fees
26. US Bank Baylor Alumni, 0% for 12 months BT, $0 fees

ge money business is no longer accepting applications

Points well taken and thanks for the advice cyberkost,althes, and markkundinger. I agree I'm a little bored and ancy to see how an AOR with EXP frozen goes as well as hopeful to get fruitful new lines. There are a fair amount of new accounts, 9 by my count, but the debt is still pretty low as most is on the Biz side.
I've removed The Citi PP Elite card and GE Money completely for now due to the issues mentioned above and scaled back to 10 apps, which I'm still looking to try as I can't imagine anything worse than 10 new inqs going on my report until they are b* happening even if I get alot of rejections and my business revenue was slightly under $400,000 so I'm hoping that'll impress these other issuers if my low to mid 700 Fakos don't.
These are the apps I'm looking to fire off once I get word my Experian is frozen(probably early next week):
EDIT: i removed 5th/3rd as I'm not in their region of service

Biz AOR for March

1P = First purchase
TYP = Thank You Points
CB = http://www.cardbenefit.com (I used the referral mentioned here, which is supposed to yield higher bonuses than normal.)

Business Cards
1. CitiBusiness PremierPass, (1P -> 15K TYP, 12/$0 ,$75 annual fee waived 1st year)
2. Bank Atlantic Rewards Business(Juniper), (15/$75)
3. Starwood Preferred Guest Business AMEX, (CB $65, 1P -> 10k SPG,$45 annual fee waived 1st year)
4. M&T Business (Elan), (6/$0)
5. Chase Business Cash Rewards, ($35 CS, 12/$99)
6. BoA Platinum Business, (9/$99)
7. Capital One® Visa® Business Platinum with Preferred No Hassle Miles,($60 CS,0% on purchases for 12 months)
8. Cambridge Trust (Elan), (6/$0)
9. National City Business Visa,(1P->5K Points, 6/$0?)
10. Woodforest(Elan)(6/$0)
11. Wachovia Business Cardapplied 3/17/08 via phone

Wait til later(Other cards I considered and probably will consider for applying for in the future - at least 6 months from original AOR so mid May at the earliest, thanks to SecondCor521 as I just ripped a few from him that I hadn't seen before)
Business Cards
1. Starwood Preferred Guest Business AMEX, (CB $65, 1P -> 10k SPG,$45 annual fee waived 1st year) Reapplying after app not received in March will have to temporarily unfreeze EXP when I reapply
2. CitiBusiness AAdvantage Mastercard, (Spend $750 in 1st 4 months->25,000 bonus AAdvantage Miles )
3. BB&T Visa Business (by phone only), (6/$0?)
4. WAMU Business (Providian), (6/$0?)
5. Wells Fargo Business Credit Card (log in to checking account) (9/$0)
6. HSBC BusinessCard(6/$0)
7. Compass Business Classic Credit Card(6/$75)
8. PNC Bank Platinum Business Rewards MasterCard(6/$uncapped)
9. FNBO Business Edition(6/0% on purchases)
10. KeyBank Actually issued by Citibank.
11. Suntrust
12. Newfield National Bank Business Visa Credit Card
13. Discover Business iles, (CB $45, 12/$75, 12,000 Bonus Points after 1 year possible with purchase each month)
14. Chase AMA Platinum Visa Business Card (1P -> $50, 12/$75)
15. Chase::UPS Capital Visa Business Rewards Card (12/$75)
16. Chevy Chase Bank Platinum Business Card, (12/$99)
17. BoA Alaska Airlines Business, (1P->10K Bonus Miles)
18. AMEX Business Gold Rewards, (CB $100, 1P -> 5k Points, $125 annual fee waived for 1st yr)
19. AMEX Platinum Business FreedomPass, (CB $65, 1P -> 5k Points)
20. AMEX Platinum Business,(CB $65,12/0% purchases) for utilization
21. National City Business Visa,(1P->5K Points, 6/$0?)
22. Bank Atlantic Rewards Business(Juniper), (15/$75)reapplying after Dec. and March Rejections
23. Woodforest(Elan)(6/$0)reapplying after March Rejection
24. Wachovia Business Cardreapplying after March Rejection

Personal Cards
25. Citi Hilton HHonors, (CB $25,1P-> 15k Hilton Points)
26. Citi PremierPass Elite,($500 in 1st 2 months -> 25,000 TYPs 15/uncapped $ fees, $75 annual fee not waived(but hopefully refunded after cancellation)
27. Citi AT&T (12/$0, 1P->6K TYP)
28. Citi Associated Bank (12/$0)
29. Citi Platinum AMEX (no BT, $300 spent->15K TYP, $99 ann. fee waived 1st year)reapplying after February Consolidation
30. US Bank Baylor Alumni (12/$0)
31. AMEX Starwood Guest Personal (CB $35, 1P -> 10k SPG)
32. AMEX IN:NYC(CB $35, 6/$0)
33. AMEX IN:Chicago(CB $35, 6/$0)
34. Chase United Miles (no BT, $21,000 Miles + $200 Morton's GC, $60 annual fee(not waived, hopefully can be pro-rated or fully refunded)
35. National City Quilter's Reward Visa (12/$0)
36. WAMU ESPN Total Access Visa Card (6/$0)
37. Juniper National Park Foundation Platinum Visa (12/$50) reapplying after Dec. Rejection
38. Fidelity Investment Rewards Visa Signature® Card with WorldPoints® Rewards,1.5% Cash Rewards
39. Penfed Visa Platinum Card (1.25% Spending Rewards)
40. Principal Bank Low Rate Card (12/$75)

Other Bank and Investment Accounts to open:
Bonuses:
B1. $100 BOA Business Checking Account applied 3/15/08 approved 3/17/08
B2. TD Ameritrade account to get $100 bonus after 12 months of $50 transfers to account per month
B3.$125 + $25 Chase Personal Checking
link
..... Call in same day 800.935.9935 to cancel check order
B4. Citi Checking account to get the 20K(or 40K?) TYP bonus, still debating depending on how long I need to keep the $25K in the account[/L]

Banks to potentially use:
B5. Wells Fargo Checking account(needed to open a CC with them)-> applied and approved 3/20/08 Then Declined 2 days later( i think due to too many Equifax Inqs) I will reapply after the EQ Inqs thin out
B6. Schwab Checking Account-> applied and approved 3/20/08

Other
B7. Citi Credit Protector Digital Picture Frame bonus for Citi Pro card(s)
-3/10/08 applied to new Citi Pro card on .
- 2 weeks later: got letter telling me the Citi Professional Card wasn't eligible for the Citi Credit Protector program so looks I'll be waiting to try and get this frame
B8. FNBO Billpay $25 bonus
3/26/08 -opened account online and instantly approved
3/31/08 -Received email confirming account linked to my current FNBO username
-$25 bonus Received
-Required Billpay made
-need activity within 90 days(before the end of June) to avoid Dormancy fee
B9. $25 for Spending $100 with Chase Biz card in April (targeted letter)