I am trying to get as much 0% money as possible with the secondary goal of sign up bonuses. I'd also like a general use Cash Back card while I'm at it. I still have some 0% money out at the moment so this is a work in progress while I wait for the payments to clear and my credit file to get updated.
$10500.00.....$0.00....0.00%....Advanta Business Card $800.00.......$0.00....0.00%....Bank of America $11400.00.....$0.00....0.00%....Bank of America $500.00.......$0.00....0.00%....BOA New York Jets $500.00.......$0.00....0.00%....Chase Credit Cards - British Petroleum $33400.00.....$0.00....0.00%....Chase Credit Cards - Home Rewards $300.00.......$0.00....0.00%....Chase Credit Cards - Perfect Card $800.00.......$0.00....0.00%....Citi Diamond Preferred Rewards AMEX $17500.00.....$0.00....0.00%....Citi Diamond Preferred Rewards Card $2000.00......$0.00....0.00%....Citi ProfessionalSM Card $4000.00......$0.00....0.00%....Discover Card - Discover $3000.00......$0.00 ...0.00%....Discover Business Card $50000.00.....$0.00....0.00%....FIA Charles Schwab Bank Platinum Plus $11000.00.....$0.00....0.00%....GE Money Platinum Mastercard $3000.00......$0.00....0.00%....HSBC GM Flexcard $6500.00......$0.00....0.00%....Providian Visa $155200.00...$ 0
Tier 2 (Issuers I have no cards with but have a 0% BT offer) Juniper/Barclays Bank - BankAtlantic Rewards BusinessCard - (0% 15 months -- $75 max fee) APPROVED - $20,000 balance - requested 20K BT to BOA Money Market account Advanta - Advanta Businesscard - (0% for 16 months - $90 fee) APPROVED -- requested 25K BT to BOA HELOC -- $2,500 CL, going to cancel BT National City - Lifespring Visa - (0% 12 months -- no fee) DEFERRED -- APPROVED -- $15,000 - $13,350 BT'ed to BOA HELOC Fifth Third Bank - Business Mastercard- (0% for 12 months --- no fee) DEFERRED -- "DENIED" -- They have no record of the application but they pulled my transunion report on 2-26. I guess I am going to dispute the inquiry with TU
Tier 3 (Issuers I have existing cards with but might give low CL's) Discover - Discover Business Card - (0% 12 months $75 fee) BT offer changed to 1.99% -- skipped HSBC - HSBC Mastercard - (0% 12 months -- $75 max) BT terms changed to no cap BT fee -- skipped
Tier 4 (Issuers I have no cards from and am unsure of getting a decent CL from) Infinibank - Priniciapl Bank - (0% 12 months -- $75 max fee) DEFERRED - requested 25K BT to BOA HELOC RBS - Platinum Mastercard - (0% 10 months -- $60 max fee) DEFERRED - APPROVED- requested 25K BT to BOA HELOC -- $16,000 CL -- $14,800 BT to BOA HELOC processed Wells Fargo - Wells Fargo Cash Back Platinum Card - (0% for 6 months --- no fee) No existing relationship could not apply
Tier 5 (Cards with signup bonuses I want) Bank of America - Bank of America Rewards™ American Express® Card -- ($100 bonus after $25 purchase) DEFERRED - DENIED Citibank - Citi Business with ThankYou Network - (0% BT 12 months -- $50 fee -- 10,000 TY points) DEFERRED -- APPROVED $10,000 Citibank - Citi Premier Pass - (10,000 TY points -- no ann. fee) DEFERRED - APPROVED 2K CL moved over from Diamond Rewards Mastercard Citibank - Citi Platinum American Express Card - (15,000 TY points after $300 purchase and 3 pts. per dollar spent 5 pts every day spending) DEFERRED - APPROVED 8K CL moved from Diamond Rewards Mastercard Chase - United Miles Plus Platinum Business Card - (25,000 United Miles after $250 purchase) DEFERRED -- APPROVED -- $8,000
Tier 6 (Daily Spending cards and cards for utilization) Bank of America/FIA - Platinum Visa Business - (0% 12 months -- uncapped fee) DEFERRED -- APPROVED Had to reallocate 20K from Charles Schwab card to open Bank of America/FIA - Fidelity Investment Rewards Visa - (1.5% Cash Back 0% 12 month BT uncapped fee - preapproved) DEFERRED - APPROVED - 5K CL moved over from Charles Schhwab Visa Penfed - Visa Platinum Rewards - (5% Cash Back on gas 1.25% cash bank on all other spending) Forgot about the $20 to become a Penfed member - skipped - then later changed my mind and applied anyway DEFERRED - APPROVED - $20,000 CL GE Money Bank - Cash Rewards Card - (no BT offer, use for utilization) DEFERRED - DENIED Elan - - PNC Bank Select Rewards Visa - (uncapped BT offer, use for util.) DEFERRED -- DENIED (Outside of service area) American Express - AMEX Clear - (0% for 12 months on purchases -- use for util.) DEFERRED -- DENIED American Express - Amex Business Simplycash (0% on purchases for 12 months - 5% gas, phone, groceries) DEFERRED -- DENIED
added 2-17-2008 applied for Discover More card APPROVED - requested 25K BT to BOA HELOC -- CL is $8,000 -- requested $7,800 BT to BOA HELOC Discover called and my CL is 8K - requested $7,800 BT applied for HSBC mastercard APPROVED 1K limit yay! US Bank Baylor Alumni APPROVED 15K - Requested 13,350 BT to BOA HELOC
Here are the inquiries: Equifax ADVANTA CBUSA/CBSD RBS CC CITI CITI FIA CSNA GEMB/GEMON DISCOVER HSBC BANK USBK
Experian BANK OF AMERICA DISCOVER FINANCIAL SER AMEX FIRST USA,NA FIA CSNA
TransUnion BRCLYSBANKDE
NEW 0% BT Money:
Months......fee.....Amount......Card
10............$60.....$15,200.......RBS Platinum Mastercard 12............$75.....$7,500........Discover More Card 12............$30....$51,353........BOA NEA Visa 15............$75....$19,500........BankAtlantic Business Card 12............$75....$57,000........Chase AMA Business Rewards Visa 12............$50....$25,500........Citibank Business 12............$0.....$13,350........US Bank 12............$0.....$13,350........National City
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I added the BOA business card with the uncapped BT thinking I would try to get them to waive the BT and use that as my reallocate/BT card to keep the utilization off my personal credit report.
I have quite a few cards that do not have good BT terms that I guess I will use for utilization. It seems like a lot of the good BT terms have dried up lately.
Message edited by: brushwood on 2008-01-15 20:50:50 CST
Advanta Business Card ------------------------ $ 10,500.00__$ 5,276.00__50.25% Credit Card - Bank of America ---------------- $ 800.00____$ 0.00______0.00% Credit Card - Bank of America ---------------- $ 11,400.00__$ 0.00______0.00% Credit Card - New York Jets ------------------- $ 500.00____$ 0.00______0.00% Chase Credit Cards - British Petroleum ---- $ 500.00____$ 0.00 _____ 0.00% Chase Credit Cards - Home Rewards ------ $ 33,400.00__$ 26.18 ____ 0.08% Chase Credit Cards - Perfect Card ---------- $ 300.00____-$ 0.05 ____ -0.02% Citi Diamond Preferred Rewards AMEX ---- $ 800.00 $___0.00 ______ 0.00% Citi Diamond Preferred Rewards Card ----- $ 17,500.00__$ 0.00 _____ 0.00% Citi ProfessionalSM Card ---------------------- $ 2,000.00___$ 133.61 ____ 6.68% Discover Card - Discover ---------------------- $ 4,000.00___$ 0.00 ______ 0.00% Discover Business Card ----------------------- $ 3,000.00___$ 0.00 ______ 0.00% FIA Charles Schwab Bank Platinum Plus -- $ 50,000.00__ $ 37,801.61 _ 75.60% GE Money Platinum Mastercard -------------- $ 11,000.00__ $ 143.50 ___ 1.30% HSBC GM Flexcard ----------------------------- $ 3,000.00___ $ 1,411.83 __ 47.06% Providian Visa ------------------------------------ $ 6,500.00___ $ 0.00 ______ 0.00% --------------------------------------------- Total $ 155,200.00___ $ 44,792.68If possible, I'd get those utilization %s down on your personal cards. It is painful but it will increase your credit score significantly. I'm paying all of my balances down to below 10% for my AOR. I'd suggest at least paying yours down to below 50% each. You can dispute the balances with the CRA after your payment posts to get your report updated. I just did that with my Schwab card after posting a $30K payment.
theman2 said:If possible, I'd get those utilization %s down on your personal cards. It is painful but it will increase your credit score significantly. I'm paying all of my balances down to below 10% for my AOR. I'd suggest at least paying yours down to below 50% each. You can dispute the balances with the CRA after your payment posts to get your report updated. I just did that with my Schwab card after posting a $30K payment.
Yeah. The payments to FIA and HSBC are in progress. Advanta does not show up on my report and I have two more months at 0% so I won't be paying it off yet. I am waiting for those two payments to process and show up on my report before I do any applications.
brushwood said:I fixed the links. I plan to add considerably more apps. I am just in the beginning of the planning phase now.Cool. I'm just about to launch my AOR too. I'll either just suggest additional cards here or start my own thread.
062703 said:I think BofA has a no fee/12 month BT now.
Eh maybe not.Financial rewards platnium plus looks interesting. It is only 6 months but has not BT fee and earns some rewards for BTs... link
edit: if you are going for the Fidelity card, you should sign up for the mycash checking account. you can get $100-200 in cash rewards and 25K united miles pretty easily. link. Plus it is a great checking account. oh, and there is no hard pull for signing up as long as the brokerage account you open does not have margin.
theman2 said:062703 said:I think BofA has a no fee/12 month BT now.
Eh maybe not.Financial rewards platnium plus looks interesting. It is only 6 months but has not BT fee and earns some rewards for BTs... link
edit: if you are going for the Fidelity card, you should sign up for the mycash checking account. you can get $100-200 in cash rewards and 25K united miles pretty easily. link. Plus it is a great checking account. oh, and there is no hard pull for signing up as long as the brokerage account you open does not have margin.
I do have a MySmart checking account with Fidelity and got both bonuses. That financial rewards card looks interesting but with a 50K balance transfer I would still end up making more money from a full 12 months at 0% rather than 6 months at 0% + $75 (no fee) + $200 (BT bonus) but it's pretty close. It looks like you'd have to BT to another credit card to get the bonus too. It's definitely interesting though. If only they offered it with a 12 month BT, I'd be ALL over it.
Does anyone know if you can reallocate from FIA to regular BOA cards. I think I remember reading that it could be done but now I am not so sure. I was planning on reallocating some of the 50K FIA line to the NEA BOA card. If that's not possible, it will put a real damper on my plan.
brushwood said: Does anyone know if you can reallocate from FIA to regular BOA cards. I think I remember reading that it could be done but now I am not so sure. I was planning on reallocating some of the 50K FIA line to the NEA BOA card. If that's not possible, it will put a real damper on my plan.
Yes, you can. I just reallocated from the Fidelity card to the BofA NEA card.
74ak said:brushwood said: Wachovia Signature Visa (0% until jan. 2009 -- $75 max fee)
Is it in-branch application? The link shows 6 months, not 12.Thx The Wachovia Business Credit Card piqued my interest, so I called the 866-403-3191 number on the promo page and was told to call 800-566-3862 and ask for 'New Accounts'.
The Business T&C (6 months 0%, no fee if BT check is used within 6 months of account opening) link on the promo are the same terms that the CSR repeated to me. The CSR said credit lines over $50K require 2 years of tax returns and they pull from any of the 3 CRAs on a rotating basis.
Good news: these 6 month terms exactly match the personal T&C from my Wachovia personal card that I got in June. I was able to pay off the initial balance within 6 months, got a CLI from $20K to $30K and then deposited my last BT check for another 6 months.
Bad news: in order to apply for the Wachovia Business Card, you need to have a business checking account with them. First year $100 minimum and no fees. On a personal note, I don't know how Wachovia will feel about extending me business credit when I already have $26K outstanding personal debt with them.
I requested an e-mail app and will consider going through the hassle if I think they will give me a decent credit line. I'm performed a substantial APR last June and have $80K CC debt (plus auto and mortgage) showing on my personal credit report. My credit scores are back to low-mid 700's because all the hard pulls have aged or been b*mped and most of the accounts have aged more than 6 months. I'm curious if anyone else has had experience with a Wachovia Business Card.
Brushwood, I don't mean to hikack your thread. I'm hoping this info is useful to you and/or someone else.
r0man said: The Wachovia Business Credit Card piqued my interest, so I called the 866-403-3191 number on the promo page and was told to call 800-566-3862 and ask for 'New Accounts'.
The Business T&C (6 months 0%, no fee if BT check is used within 6 months of account opening) link on the promo are the same terms that the CSR repeated to me. The CSR said credit lines over $50K require 2 years of tax returns and they pull from any of the 3 CRAs on a rotating basis.
Good news: these 6 month terms exactly match the personal T&C from my Wachovia personal card that I got in June. I was able to pay off the initial balance within 6 months, got a CLI from $20K to $30K and then deposited my last BT check for another 6 months.
Bad news: in order to apply for the Wachovia Business Card, you need to have a business checking account with them. First year $100 minimum and no fees. On a personal note, I don't know how Wachovia will feel about extending me business credit when I already have $26K outstanding personal debt with them.
I requested an e-mail app and will consider going through the hassle if I think they will give me a decent credit line. I'm performed a substantial APR last June and have $80K CC debt (plus auto and mortgage) showing on my personal credit report. My credit scores are back to low-mid 700's because all the hard pulls have aged or been b*mped and most of the accounts have aged more than 6 months. I'm curious if anyone else has had experience with a Wachovia Business Card.
Brushwood, I don't mean to hikack your thread. I'm hoping this info is useful to you and/or someone else.
I didn't even think of piggybacking the 6 month BT's together. That's a great idea. So they send out 0% BT checks with your card? I'll have to look into the fees for the business checking account after the first year. I could use a business checking account anyway, so this could work out well for me.
brushwood said:I didn't even think of piggybacking the 6 month BT's together. That's a great idea. So they send out 0% BT checks with your card? I'll have to look into the fees for the business checking account after the first year. I could use a business checking account anyway, so this could work out well for me. They sent 3 'Welcome' checks (0101,0102,0103) in a separate 6x8 envelope.
"Each check, if used within 6 months from your account opening, receives your promotional rate of 0% for a full 6 months from the date if it posts to your account."
I requested more checks so I could pay them off (on the statement day) and re-deposit them every month for the first 6 months, but they sent me the same 3 check numbers again.
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