So it looks like I have most of the apps selected. I'm going to need to pick out the order I do them in. I definitely want to be able to make use of the credit line from BOA/FIA, Chase and Citibank so those are the most important to me. The rest I'll need to order in importance by the ones that are most likely to give me good limits.

One more wrinkle in the plan is what to do about my Advanta card. I have an outstanding balance at 0% that is going to expire on 3-1-2008. From what I understand they will not give a second card, so I would need to pay off that balance and cancel the card and then reapply. At this point I'd only be missing out on about a month's worth of interest from $5,000, so no big loss and I think I have a much better chance of getting a higher limit this time around since my HHI is quite a bit higher. Does anyone know how long you can take between canceling your Advanta card and then applying for a new one?

brushwood said:So it looks like I have most of the apps selected. I'm going to need to pick out the order I do them in. I definitely want to be able to make use of the credit line from BOA/FIA, Chase and Citibank so those are the most important to me. The rest I'll need to order in importance by the ones that are most likely to give me good limits.

Based on my own experience: Bank Atlantic Business may give you juicy CL if it is on the top of the list; It was 2nd on my list, and I got 20k,which is well above Business Chase, Citi, Discover or Advanta;someone else reported nice 20k from Bank Atlantic. Note that I did not apply for any Juniper personal cards; may be that was another reason.

74ak said:Juniper/Barclays Bank - BankAtlantic Rewards BusinessCard - (0% 12 months -- $75 max fee)
-------------------
and it is 15 months of free money, not 12

I corrected my original post. I'll have to put it near the top of the list for sure, especially with the 15 months.

VanceWade said:Yep. I applied to BaBiz after taking out BTs on Chase biz and Citi biz and still got a higher CL than on either of the other cards: 18K. I have an actual business doing high five-figures a year in revenue, so that may help.

I have a start-up, still CL is more than generous

74ak said:r0man said:74ak said:brushwood said:
Wachovia Signature Visa
(0% until jan. 2009 -- $75 max fee)


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.



may not bad at all, lhendricks reported that personal account may satisfy that requirement, though wachovia may have min lenght requirement instead ?
here

I have a Wachovia personal checking account that is about three or four years old. If that qualifies me, I'll definitely go for the business card. I am trying to keep as much utilization off of my personal credit file as possible.

brushwood said:
I have a Wachovia personal checking account that is about three or four years old. If that qualifies me, I'll definitely go for the business card. I am trying to keep as much utilization off of my personal credit file as possible.
Please let us know when you find out if a personal checking account qualifies you for the business credit card. I would much rather open up a personal checking than having to go through the hassle of opening a business account. The csr I spoke to made it seem like one needed a business account and I didn't think of asking her if a personal account would suffice (but she also didn't think one could deposit a check within 6 months for an additional 6 months 0%).

Advanta is now 15 months BT, and 90 max fee. Inflation is eating into our AOR profits.

Also, for the Citibank apps I would suggest getting two business cards and two personal cards. One business card should have 0% BT offer and TY points. All others should be TY point cards. From what I have calculated You can rack up around 70k TY points with 4 Citi apps. After getting all cards, make necessary purchases and harvest TY points. After that call business side and CLR to business card with 0% BT. Then BT.

After you are done using your card with 5X TY points, you can CLR to help with utilization. Just leave enough CL to make everyday purchases, and pay off early if necessary.

Everytime I click on someone's link for the Discover Business card that claims 0% for 18 months, the opening screen always show 12 months 0%. Am I missing something here?

I am waiting for HSBC to report to Transunion and Equifax. They just reported my zero balance to Experian today. I'm guessing that should happen soon so I am going to start prioritizing the applications.

Weekends aren't so bad. And it's better to apply over a weekend if the alternative is stretching out over 3/4 days.

However, if anything does require human followup, it's going to dribble out over multiple days.

Applying on, say, tuesday morning, does give the best chance of having things resolved in the shortest number of hours after application.