markkundinger said:5 Chase cards is too many.

You seem to be missing a Citibank business card, with which to reallocate credit and then BT the crap out of.

And, if you enjoy financial reviews, I'd recommend an AMX card with a 0% deal.
People seem to be agreeing with you here, so I'll consider it; however last year I applied for 2 personal and 1 business, and got $60K between the three of them. I have a very good relationship with Chase, so I might bring it down to 4 but no lower.

I thought the CitiProfessional Card was business, but you're right; its not. I added the business version.

I am staying away from AMX for that very reason. Since last year my HHI has dropped a bit and I already have $50 with AMX. I don't want to even touch AMX this time around.

Two questions I just thought of:

1) Should I freeze Experian or not? I have 18 inquiries, all from 12-23 months ago. However, when I apply in April only 9 of them will be left.

2) I wanted to confirm the general consensus on CL reallocations.

Chase: P->B P->P B->B OK, B->P no
Citi: P->P B->B OK, B->P P->B no
BoA: P->P B->B P->B OK, B->P no
Discover: P->P B->B P->B usually OK B->P ??
AMX: P->P B->B P->B B->P OK

Assuming these are true, it looks like my game plan for the big three:

Chase: Move everything to Business at 0%
Citi: Add my new business CL to the $20K I've got, and maybe a personal 0% if I actually get a reasonable limit.
BoA: Move my current $40K+ to the NEA card at 0%

SleepyNyte said:Could you also update the link to the Principal Bank Card. Thanks.Warning, Principal bank is not good with many credit inquiries, and they delay thier pull for a day or two after you apply usually.

Shane, regarding Chase, in my orama I applied for four Chase chards (2 biz, one personal, and one cobrand with Lasalle). However, I only NEEDED one card (business) to do the 0% with, the others were bonus grabs, and in teh case of the Lasalle bank card, just done out of curiosity to see what would happen when the bank was bought out.

So anyway, I did 4 apps, and zoomsoldier says he did 5. So I'm not saying it's impossible. However, the later apps might be better used on another card. After all, what's the point of 4 different cards with identical BT terms and no signup bonuses? You're just going to end up reallocating to one card anyway.

markkundinger said:After all, what's the point of 4 different cards with identical BT terms and no signup bonuses? You're just going to end up reallocating to one card anyway.This was my thinking as well. You already have $83k available with them so I wonder how much more you'll get out of 5 apps. A year or two ago I'd figure the more the merrier, the worst they can do is say no, but after reading a few stories of folks asking for CLIs and having their lines cut for their trouble it makes me think a lower profile might be in order.

Citi P->B should be fine. B->B reallocations are ok, but you loose 1K in consolidations (or maybe I was not persistent enough). Now, perhaps there is a trick for B->P: reallocate from Business to Professional and then convert Professional into Diamond Rewards (personal). I have not tried it.

BofA P->B are not easy.

IIRC the 25% Starwood bonus applies only to points earned from hotel stays.

Did you pull the trigger on these apps?
Also how old are your CC's I'm curious to see as you have some really impressive Credit Lines.

Most cards are 2004-2006. I have one from 1999 and another from 2001.

Shorten the list? Group cards from the same issuer? Reduce the number of cards applied (e.g., in view of recent CITI A/A). Verify that promo terms are still available on the cards as there have been a number of changes (for the worse) reported recently.

ShaneM said:I paid off my $60K Chase balance. As soon as my CRs are updated I'm pulling the trigger. I've reordered things a bit, added a couple cards. Some of the links are broken now but I checked each card tonight and they all still have the same terms. Except Principal, I can't find at all...

Any other advice before I fire this off?

Yes. Dispute the Chase balance with the CRA's; they will ask Chase and Chase will update it to the zero balance. If you're anxious to get started, this may speed things up by a week or two.

2Cor521