Purpose
I need to finance my final trip to Asia with my friends before we start working in the real world (around 5000$). I've had a steady part-time job in NY making big bucks for two years now but my company seems to be in trouble so I need to find alternate means of financing my trip. I’m scheduled to start work in July, a full two months after I graduate. Put all 0% money in HYSA personal HYSAs is established.

Goal
Find new 0% offers to reallocate existing credit limits to, and expand into missing issuers – Juniper, Advanta, etc. Want to go heavy in Business cards because of the benefit of it not showing up on credit report and to use money to generate HYSA gains. Allocate $10,000 or 10% of BT to risker but safe investments (which if defaulted on will be recoverable via personal savings). Also to gather cards that can pay for my hotel stays. Airfare will be a package deal 1400 for 21 days of unlimited flights (from JFK to HKG to all over asia) and there doesn't seem to be any way around paying the full price. I will search for card offers with hotel stays and will try to focus on finding BT offers on the business side since I still need to build CL longevity personal side.

Background
I'm 21 years old and I have been a FW member for 5+ years. I have done quite a bit a research in the past week but must do much more if I hope to get the AOR off the ground soon.

HHI
I have already accepted an offer which salary will be 65k Add in my father’s income, I was reported as a dependent last year. HHI is well over 200K

Outstanding Debt
0$

Credit Report
PM123 FAKO as of 12/25/07
758/748/759
TOTAL ACCOUNTS: 19 19 19
OPEN ACCOUNTS: 12 13 13
CLOSED ACCOUNTS: 7 6 6 (I think this was a result of a CL reallocation I did but before I knew about AOR and the possibility they would close accounts with $500 Limits, I hope this doesn't ding my AOR)
INQUIRIES(2 years): 3 12 3 (I dont really understand the differential between 3 and 12 different cc companies?
Waiting on 4 Credit Inquiries to clear 01/04/08 (Will do another pull on 01/05/08 before I begin AOR)

Current Cards (None have carried balances)
AMEX Blue (06) 2,000
Bank of America Platnium Mastercard(07) 10,000
Citi Simplicty (06) 2,000
Citi Platnium Mastercard (07) 15,000
Citi Professional (06) 2,500 (Showed up on my credit report?)
Chase Continental (07) 5,000
Chase Freedom (07) 11,000
Chase Perfect Card (04) 13,000
HSBC Fly (05) 1,000

BOFA Closed a card I've had since 1998 because of inactivity... (before I realized how bad that is for credit)

American Express Gold No Preset Limit
CitiBusiness 15,000

Apps planned: Will post links when I have more time (Also tracking Annual Fees to remind myself to change the card type FYF = First Year Free (Annual Fee))
(Thanks to glitch99 for all of his helpful advice on this matter)

Awards
2K Hilton HHonors Platinum Credit Card from American Express 30$ CS bonus
4.5K Starwood Preferred Guest Business Credit Card from American Express 60$ CS FYF (45)
WAMU: 3.5K: Card has FICO credit monitoring
14KCiti Hilton HHonors Visa Signature Card 25$ CS bonus

BT Cards
Chase:
3.5K Chase Platinum MC 0% for 12 months, $75 fees, $25 CS bonus

Discover
8k Discover More Card 0% 12 months, $75 fee, $40 CS bonus

Juniper:
5k National Park Foundation Platinum Visa 0% 12 months, $50 fee

BoA:
6K Boa NEA 0% 12 months, 30$ fee

Business
2.5K Advanta Platinum BusinessCard Rewards 0% 15 months $90 fee, 25$ CS Bonus
5k Discover Business Card 0% 18 months $75 fee, $40 CS Bonus
18K Bank Atlantic Rewards BusinessCard 0% 15 months, $75 fee
2KChase Business Rebate 0% for 12 months, $75 fees, $30 CS bonus
0% Money Drawn
15K/16K BOFA NEA after consolidation in WAMU HYSA

Rejected
Chase Platnium Visa %0 BT for 12 months, $75 fee
Citi Home Rebate 0% BT 12 months
Citi PremierPass Card - Elite Level 15,000 TY points w/ annual fee waived 0% BT but 250 , FYF (75)
Citi Professional Cash Card 0%, 50$ Max BT Fee
CitiBusiness PremierPassSM Card 0%, 0$ Fee BT 15000 FYF (75)
Discover Business Miles Card 0% 12 months, $75 fee, $40 CS Bonus
Citi Drivers Edge 0% for 12 months, $0 fees
American Express Starwood Rewards 30$ CS bonus, FYF (45)

Overall New Lines of Credit
58K (28K Personal)
Personal Utilization
BT Usage = 15K
Overall Credit = 28+58K = 87K
15K/87K = 17%

Tempting Citi BT Offer on business card (Possible Reallocation from Personal Side)
Negative side effect is increasing overall utilization

Guess I should work on B* To clean everything up.

How exactly is this going to put you on your trip?

In other words, what are your specific goals, and what do you need to accomplish them?

Yes - it is perfectly fine to CLR from personal to biz. Just make sure you don't cut your personal credit too low or negatively impact personal utilization. So you may not be able to use much of the $100K current CL because you'll need to stay below 50% utilization or whatever limit you set.

B* plans?

Are you AU on any of the listed accounts or are they all yours?

NYU most expensive school?? - I assume this was said pejoratively.

"Allocate $10,000 or 10% of BT to risker but safe investments" - don't like this idea at all. "Risker but safe investments?" Oxymoron?

Finally, I know the temptation to borrow just $5K of the $100K in BT money. It seems like such a small amount and by the time you have to pay it back, you'll have several months of paychecks under your belt. So tempting.... RESIST.

cc624 said:Bank of America Rewards™ American Express® Card 0% APR for 12 months, 0 fee

BOA 0% 12 months no BT fee... really!? Gotta link?

Has anyone gotten 2 Disc BUS in an AOR?

6 Citi? Not impossible but highly unlikely IMHO.