Went for all business cards (and one professional card). Applied on 1/16/08. Wasn't super well planned.

Applied to the National City Business instead of the Nat City Lifespring Health accidentally.

Age: 23
Stated HHI: $150k
Sole Proprietorship (using SS# as TIN)
Income: $0
Years in business: 0

Original Cards......................Type.......Limit
Citibank Dividend Platinum Select...Personal...$30k (soft CLI from $23.8k to $30k CLI before AOR)
Chase Freedom.......................Personal...$14k ($12k to 14k soft CLI before AOR)
Providian Platinum..................Personal...$12k
Total..........................................$56k (0% utilization)

Credit Score (Changes only)
Date........TU....EX....EQ....Source	
1/01/2008...825...............Providian Card
1/19/2008...755...747...758...PM123
1/25/2008...771...767...771...Citi
1/25/2008...806...806...791...Chase
1/25/2008.........768.........Experian
1/25/2008...753...............TrueCredit
2/05/2008...754...............Nat City
2/05/2008...749...............TrueCredit

##.Cards applied for....................................Status:
01.BofA Power Rewards™ Platinum Visa® Business..........Declined (Not enough business credit history)
02.National City Visa® Business.........................Approved (Should have been Nat City Lifespring Health. 0% 6 months.)
03.Chase Platinum Visa® Business........................Approved
04.Chase Business Rebate................................Approved
05.Chase Business Cash Rewards Visa®....................Approved
06.Discover® Business...................................Declined (Too many inquiries)
07.Discover® Business Miles.............................Declined (Too many inquiries)
08.Capitol One Business Platinum........................Approved
09.Citibank CitiBusiness................................Approved
10.AMEX BLUE CASH® FOR BUSINESS.........................Approved (No more 0% BT)
11.BankAtlantic Rewards Business........................Approved
12.Advanta Platinum Business Card with Rewards..........Approved
13.First National Bank of Omaha Business Edition Visa...Approved (No more 0% BT)
14.Citibank Professional Card with ThankYou Points......Approved (Transfered $8k to CitiBusiness and closed)
15.Chase GM Business Card World MasterCard®.............Approved
                                                    Score: 11/14

##..Approved Amount...Adjusted...APR...Term.....BT Fee...BT Amount
02......$9,000.........$9,000.,...0%....6.........$0.....$9,000
03......$7,000.........$7,000.....0%....12.......$99.....$6,700
04......$8,000.........$8,000.....0%....12.......$99.....$7,700
05......$8,000.........$8,000.....0%....12.......$99.....$7,700
08........$500...........$500.....0%....12........$0.........$0 ($500?!?)
09.....$10,000........$47,000*....0%....12........$0....$47,000
10......$3,000.........$3,000.....8%....Forever...$0.........$0
11.....$25,000........$25,000.....0%....15.......$75....$24,675
12......$5,000.........$5,000.....0%....15.......$90.....$4,850
13.....$14,500........$14,000....................$75.........$0 (No BT Deal)
14......$9,000.........$0,000.....0%....12.......$50.........$0
15.....$12,000........$25,000**...0%....12.......$75....$24,700
Total.$111,500.......$152,000...................$587...$132,325 (87% Utilization)
*CLR $8k from CitiProfesisonal and cancelled. CLR $29k from Citi DPS (personal)  
**CLR $13k from Chase Freedom (personal)

Hard Inquiries
Date.......TU..EX..EQ
1/13/2008..2...2...0
1/19/2008..7...9...3

Inquiries:
TUC 01/24/2008 DISCOVER
XPN 01/17/2008 FIRST USA,NA
TUC 01/17/2008 NCBK-NCCS
EFX 01/16/2008 CAPONEBANK
XPN 01/16/2008 FIRST USA,NA
XPN 01/16/2008 AMEX
XPN 01/16/2008 FNB OMAHA
XPN 01/16/2008 ADVANTA FINANCIAL CORP
XPN 01/16/2008 BANK OF AMERICA
XPN 01/16/2008 CAPITAL ONE BANK
TUC 01/16/2008 CAP ONE BANK
TUC 01/16/2008 CITI
TUC 01/16/2008 BRCLYSBANKDE
TUC 01/16/2008 CITI
TUC 01/16/2008 CITI/CBSD
EFX 11/23/2007 DIRECTV-AV (BB HD Advantage!)
XPN 07/03/2007 SAFERENT (New apt)
EFX 04/11/2007 SPRINTNXTL (Cell phone)
XPN 11/23/2006 FIRST USA,NA (Chase Freedom)

Update: Well, just so happens, when I called Citibank to convert my $30k personal WORLD MC to a Platinum Select MC, and CLR $29k to my CitiBusiness, they made a mistake... My Platinum Select MC showed a $1k credit line yesterday, now it shows a credit line of $30k! I'm stoked. Just earned an extra $29k in credit.

Gimme some pointers!

ok

First national bank?
of omaha or is this a different one?

If different got a link?

You mine as well apply for more, find some EQ pullers in your area.

I think B* will take to long, Just finish what you started IMHO.

Eq pullers depend where you live, Most pull EQ for me cause my experian is FROZEN.

I personaly would just go for biz cards but you've already started, think of it as gettin read for the next AOR.

I just applied for a suntrust biz line of credit and a biz card, They put 3 inqs on my EQ. I disputed the 3 inqs and are now gone. If i'm approved, nobody will know I have those accounts. Rinse and repeat with 1,000 lenders

You get the idea.

PS of course the biz line of credit is not 0%. just an example

Much of my AOR was done in haste, excitement, jetlag, and hangover (i just came back from a 3 week trip from Amsterdam, my last day taking a trip to Brussels, the capital of beer!)

I'm stoked on how easy it was with Citi credit line movement. It took me a while to figure out I had been changed over to the WORLD mastercard, which acts as a charge card w/ a recommended limit ($30k for me). switched it over to a regular platinum select, and bang! I haven't transfered money from Citi just yet (I paid off my personal card right before the business AOR, but low and behold, i chose the wrong account, so my payment bounced! first time doing that EVER.)

BofA declined me twice in a row (two different cards... didn't list the other one because I did it at work a day later and forgot the details) due to no business history (0 years) and low income ($0 annual). I really don't want another inquiry for the same to happen again.

AMEX, unfortunately, doesn't have a SINGLE business card w/ 0% BTs anymore! I had 5 different apps up, and then read the fine print (I actually did this for a few!), and no more 0% BT. They are all 0% on purchases... (Am I mistaken on this?) Why would I want AMEX if no BT?? More cards = more inquires = less on personal AOR in future.

Any other suggestions?

P.S. You FWers have been awesome, and super helpful!

You sure are cranky....

Well, just so happens, when I called Citibank to convert my $30k personal WORLD MC to a Platinum Select MC, and transfer $29k to my CitiBusiness, they made a mistake... They kept my Platinum Select with a credit line of $30k! I'm stoked.

well when they originally converted from WORLD MC to PlatSel MC, it showed up w/ a $1k limit online. i had a balance credit coming (from BankAtlantic), and i've been calling every day to get it, but they're delaying the refund (waiting for account credit transfers to clear). i asked them again today, and i guess they adjusted my personal credit to $30k! w00t! should i push my luck and try to transfer this to the citibusiness once i receive the $47k transfer?

not a bad idea...

looks like my three other chase cards i thought were gonna be "omitted" applications as other have experienced have come in... $7k, $8k, and $8k... going to try to consolidate w/ Chase GM Business and have one card w/ $25k + new $23k = $48k.

i've decided (especially because of win333's feedback) that i'm going to run another AOR (75% personal, 25% business) within the next month or two. My personal credit cards have dropped from $56k to $43... why not rinse, lather, and repeat?

my new goal is to hit $1 million in credit for myself, my SP, and my new LLC.

nm... i got it!

Just curious - where did you find the Chase GM Business card with no fees? all I see is the 0% 12mo offer, with $99 fee -

Thanks,
Santijs