I have one other BOA app idea I wanted to throw into the mix of options. It was actually a BOA pre-approved offer my wife received, however I found if I plug in the 4-letter code off the pre-approved app into the BOA online application processor, it lets anyone apply.

It's a "vanila" Platinum plus Visa card, with an impressive 0% on purch+bts for 15-16 months but a very unimpressive 3% upcapped BT fee (yeah, that is pretty much the achilles heel of this offer...), but it does have one interesting "feature" indicated in the list I have not seen on other BOA apps: "Credit Limits up to $100k."

Usually the BOA apps disclose max CL's far lower than that ("up to $25k" is generous compared to most others), sometimes they are even lower.

If I were to apply to this BOA card, I wouldn't be able to use it however without reallocating to another card, or perhaps through Billpay. It could be a way of getting a high CL BOA card though...

I'm not sure it's worth it to me. In any event, I think I'll need to monitor my EX inquiries before making any BOA application move... as I still intend to aim on keeping the 6-mo EX INQ's at 6 or below.

win333 said:Care to share the code, I got 1 for a LOC up to 100,000 with HHI of 600,000 I got 5,000. YUK!
Funny you should ask, because I have no interesting in sharing it with someone who has repeatedly insulted not just others on fatwallet, but has insulted me directly, repeatedly, and in my very own thread! Not to mention your repeated jumping the the wrong conclusions and assumptions on there, and offering plain dumb advice. And then not even understanding it or respecting it after others point it out, cause your threads to be remarkably annoying.

In case you truly are socially inept, below are the specific insults you made in this thread I am referring to. So, I am now choosing to no longer respond to any of your posts without an apology. You seem to have have nothing useful to offer here.

win333 said:I guess Jakeru wants to be a brain surgeon and he needs to register.

WTF is the problem. You've just been wasting space here and not reading AT ALL.

you are so lost I'm not even sure it worth it. I'm to busy stealing money to even deal with your ignorance.

Ooops Just started another 1, Thats 3 new businesses in the time it took to type this post.

7 apps isn't exactly opening your mailbox.
With all that said, go find the code yourself dude! Buh-bye!

others - For others who have been pleasant around here (that would be... about 99% of the readers on FW) and are interested in the "up to 100k CL" BOA Plat + code... IM me and you shall receive tonight.

jakeru said:Mortgage rates dropped this morning, to where for refinancing my 10/1 IO ARM product just became slightly profitable; I figure it would shave $25 / month off if I refi'ed now to same product with no closing costs. However I don't think it's worth the time effort yet for that much savings, and the new inquiries and account hit on my credtic report.

Win333 - does your local jurisdiction (IE: city, country) have requirements for licensing a legitimate business? Mine does. How about your state? If so, have you performed the required business licensing for each jurisdiction? Are you going to file all the required taxes for each of your businesses? Are business tax filings required by your State? They certainly are required for Federal tax filing, best as I understand it. Are you going to evade federal taxes and risk being audited?

Are you keeping separate accounting books for each of your businesses, so that you can track the business's assets, income, owner's equity, etc, separately from each of your multiple businesses, and separately from your own presonal belongings? So you can prepare financial statements as needed for tax purposes? If you are not doing all these things, in my opinion you are not only operating an illegitimate business but perhaps you have lied on each of your business credit card applications which have language you have agreed to to the effect of: "I agree to use the credit card only for business transactions". (read any of the business credit card applications.) For me, whenever I give my word, regardless of whether it's my signature, in person verbally, or electronic signature, it means something.

It seems to me that you have really lied on each of your business credit card applications, and as a result you have been able to steal significant amounts of money.
EugeneV and Venturion - thanks for the info; I appreciate your guys thoughts. It's great to hear some other opinions that that a small handful of inquiries and new accounts won't tank my score! I think that will be the route I will probably take here. Just not sure if I should trigger them now (Chase 0% 12-mo, $0BT fee pre-approved is burning a hole in my pocket!) or wait a couple months for a little extra aging.

Let me refresh your very short term memory, even though others told you that filling isn't required for every business type.

PS JERKARU, I do have a business. IT'S YOU that doesn't have 1 or imagination

Applied for BOA NEA Am Ex -> deferred (30 days)

Moments after applying, I checked EX and found a new BOA inquiry. This was just a little bit risky, due to the large BT I initiated ~24 hrs ago on my other BOA card. It hasn't yet posted or reduced the available credit reported through automated phone system though, so perhaps will pass under the radar. I will just have to wait for a bit and see what they decide.

That makes 7 applications total. I think that's all the cc apps for me for a while.

More results!

CapOne - received a $30k CL (WO WO WO... SWEET!)

BOA NEA Am Ex - Approved, $5k CL (despite a pending 99% util BT... Awesome!)

The Citi Household is still being reviewed (and is the only one left undecided.)

------------------------------

Also, I called the Chase application check line and asked that the $10.2k CL be reconsidered to $20k. I tried to make my case but no dice. The lady did say the main customer service could combine the two into one... (hmmm wondering if I did that quickly enough, if the 2nd account wouldn't get reported? I know others have tried and found the consolidated account reported, perhaps if act quickly enough after application the outcome would be different?)

Thanks for your thoughts, Venturion.

I went for the BOA NEA Am Ex, to extend by 11 months the "rolling compatible" $30 capped BT 12-mo 0% terms. Without this time extension, I'd be reliant on the monthly churning of Billpay to borrow the funds, which I haven't tested yet in large numbers (IE: 45k payment to HELOC each month), and also has risk in drying up in April when an upcoming change in BOA Billpay terms and conditions takes effect (the new terms could possibly impose a transaction fee on such billpay transactions.) A nice side benefit is a little bit more CL.

I could consider applying for the $100k BOA Plat Plus to try to make a play for additional CL. However I am resistant a bit for two reasons:
1. I am leary about having another new account report. Relying on BOA to consolidate CL to other account without the new account report at all is risky.
2. Timing is not the best, with pending 99% util BT. I have small apprehension they wouldn't grant much additional CL (Out of all the issuers they have already currently extended me the largest combined exposure.)
3. It was pre-approved for my wife not me (might matter, might not.)

---edit---

Ventuirion, I now understand that you were asking me about using the BOA offer, for your own AOR. If you were so inclined to give it a try, I think it would be a great experiment to watch unfold. My recommendation would be to couple the "up to $100kCL" app with another BOA app with a capped BT fee and 0% for 12+months. One of the two NEA's (each w/ $30 bt fee) or the Hello Kitty ($75 capped BT fee), maybe the NEA Ratesmart ($150? capped BT fee) are potential candidates.

I took a closer look at the the "up to $100k" offer and it's 0% is for 14 months. So might try asking a CSR (or someone in new account? I dunno) for a BT cap, however my sense is I'd be surprised if they granted you terms more favorable than those in the introductory offer. Wouldn't loose anything by asking though! You could have as a back-up plan, to dial through to a "normal CSR" and have them reallocate or consolidate to the capped BT card, and perform the BT for the reduced 12 month period.

Tonight I'll check out the code and PM it to you. I'll see if I can recreate the full application URL as well, and you can at least give the offer a closer look.

PS - The "up to $100k CL" offer reminds me of the old (now no longer available) MBNA Quantum, in that I believe each had the same advertised max CL.

Update - I called a different Chase number this time, with the intention of dialing a standard CSR, to ask them about consolidating the Freedom to the Free Cash Rewards, and if it would could be done without the Freedom account getting reported to the CRAs.

By chance, the number I seem to have found was for "new account lending" department. This was a different number than the automated one I dialed earlier to "check application status".

The lady there was pretty pleasant, and informed me that she might be able to actually help reconsider my new account for a higher CL. She tried to access the info, but the system was down, so she requested I call her department back in about 1 hour. I think I think I'm going to give it a little time and try calling them again.

Update -

Called chase new account lending back (888-609-7805 8AM-10PM EST), and requested credit line reconsideration increase on the freedom card from $10.2k -> $20k. She countered with a $5k CLI offer (bringing the freedom CL to $15.2k), with no docs needed, which I accepted. (Bringing the combined chase exposure to $34.5k).

Does anyone know if citi has a new account lending department that can be called?

jakeru, thank you!!!

2Cor521

Venturion - hope you are able to put the "up to $100k" BOA offer to good use.

update:

The BOA BT funds are already sitting in my 4.25% Wa Mu savings. (Well all but $2k worth, which paid off my 6% HELOC). I routed the funds as a HELOC payment (coupled as a HELOC draw to savings) so they are all immediately available. So, ready for payoff / paydown before next statement close.

I tried calling AMEX for a credit line reconsideration increase; even spoke to new account lending. Both the main customer support dept and new account departments were adamant about no further review allowed until 60 days.

On this morning's tri-buerau report, first new account (BOA on EX) made an appearance. It's amazing that BOA was the first to appear, as it was the last application I made. They are QUICK!

I can't help wonder if BOA would have granted me significantly more CL on the new account if I hadn't triggered the 99% util BT prior to application.