I did okay on my business AOR ($111k in new credit, and $132k in balance transfers)
This time I'm going for personal cards. For some reason, I went insane, and decided to apply to as many cards as I could find. My goal: 1) Build as much credit with the same bank (Citi, Chase, etc.) 2) As much BT money as possible. 3) As much $$ from CardSelection.com (CS)
Age: 23
Stated HHI: $150k
~7 year credit history, Oldest card ~4 years (Providian, now WAMU)
Original Cards......................Type.......Limit
Citibank Dividend Platinum Select...Personal...$30k (CLR $29k to CitiBusiness from AOR 1.0, ended up w/ $30k back on card)
Chase Freedom.......................Personal....$1k (CLR $13k to Chase GM Business from AOR 1.0)
Providian/WAMU Platinum.............Personal...$12kTotal..........................................$43k (0% utilization)*Note: Also have 11 Business Cards (see Business AOR 1.0) which won't show up on my CR
## Card Issuer Type Rate Period Max Charge CS Bonus Date Applied Approved Amount Comment01 Associated Bank Visa® Platinum Citi Personal 0.00% 12 months $0.00 $0.00 2/04/2008 Declined Too many inquiries02 Citi® Upromise® Card Citi Personal 0.00% 12 months $0.00 $25.00 2/04/2008 $3,600.00 Instant03 National City Lifespring Health Nat City Business 0.00% 12 months $0.00 $0.00 2/04/2008 $1,000.00 Received a call 2/6. Not calling back.04 BOA NEA WorldPoints BofA Personal 0.00% 12 months $30.00 $0.00 2/04/2008 $15,500.00 Inquiry on 2/19. On CR 2/25. No card yet!
05 National Park Foundation Platinum Visa® Juniper Personal 0.00% 12 months $50.00 $0.00 2/04/2008 $7,700.00 Instant06 Chase Flexible Rewards Platinum Visa® Chase Personal 0.00% 12 months $75.00 $25.00 2/04/2008 Declined Too many inquiries07 Chase Free Cash RewardsSM Visa® Card Chase Personal 0.00% 12 months $75.00 $25.00 2/04/2008 Declined Too many inquiries08 Chase Platinum MasterCard® Chase Personal 0.00% 12 months $75.00 $25.00 2/04/2008 Declined Too many inquiries09 Chase Platinum Visa® Chase Personal 0.00% 12 months $75.00 $25.00 2/04/2008 Declined Too many inquiries10 Sony CardSM Chase Personal 0.00% 12 months $75.00 $25.00 2/04/2008 Declined Too many inquiries11 Discover® More Card Discover Personal 0.00% 12 months $75.00 $40.00 2/04/2008 $12,000 Limit via mail. Says $12k on CitiCards.12 The Weekend Card™ HSBC Personal 0.00% 12 months $99.00 $0.00 2/04/2008 Declined Too many inquiries13 State Farm Bank Good Neighbor Visa® Credit Card State Farm Personal 0.00% 9 months $0.00 $0.00 2/04/2008 Declined Too many inquiries14 IN:LASM Card from American Express® AMEX Personal 0.00% 6 months $0.00 $0.00 2/04/2008 $1,100.00 Instant. Will CLR to AMEX Business and close.
15 Bank of America® Platinum Plus® Visa® Card BofA Personal 0.00% 6 months $0.00 $0.00 2/04/2008 Deferred
16 IberiaBank Visa® Platinum Rewards Card Iberia Personal 0.00% 6 months $0.00 $0.00 2/04/2008 Deferred
17 Pulaski Bank Visa® Gold Pulaski Personal 0.00% 6 months $0.00 $0.00 2/04/2008 Attempted? App not sent. Same as IberiaBank.18 ESPN Total Access™ Visa® Card WAMU Personal 0.00% 6 months $0.00 $0.00 2/04/2008 $5,000.00 Instant19 Washington Mutual Business Card® WAMU Business 0.00% 6 months $0.00 $0.00 2/04/2008 Declined Applied to Personal (above)20 Wells Fargo® Visa® Platinum Card Wells Fargo Personal 0.00% 6 months $0.00 $0.00 2/04/2008 No attempt Need WF acct to apply21 Toys"R"Us & Babies"R"Us MasterCard® Chase Personal 0.00% 6 months $75.00 $25.00 2/04/2008 Declined Too many inquiries22 Trump Rewards Visa® card Chase Personal 0.00% 6 months $75.00 $25.00 2/04/2008 Declined Too many inquiries23 Subaru® Platinum MasterCard® Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 Declined Too many inquiries24 Hilton HHonors® Platinum Credit Card AMEX Personal 2.90% 6 months $0.00 $0.00 2/04/2008 $2,000.00 CLR to Business AMEX and close25 Amazon.com Business Visa® Card Chase Business $35.00 2/04/2008 Declined Too many inquiries26 Amazon.com Platinum Visa® Card Chase Personal $25.00 2/04/2008 Declined Too many inquiries27 Amtrak Guest Rewards® World MasterCard® Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 Declined Too many inquiries28 Borders 3.2.1SM Visa® Card Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 Declined Too many inquiries29 Pier 1 Rewards MasterCard® Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 Declined Too many inquiries30 SeaMiles® Visa® Rewards Card Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 Declined Too many inquiries31 BP Visa® Rewards Card Chase Personal 0.00% 6 months $99.00 $25.00 2/04/2008 $5,500.00 Too many inquiries
32 RBS Platinum Mastercard RBS Personal 0.00% 10 months $60 $0.00 2/09/2008 $200.00 $200?!?! Closed.
$240.00 $53,400.00
Hard Inquiries (Changes only)
Date.......TU..EX..EQ
1/13/2008..2...2...0 (before buisness AOR)
1/19/2008..7...9...3 (after personal AOR/before personal AOR)
2/05/2008..7..16...4
2/06/2008.12..17...4
2/07/2008.13..17...4
2/10/2008.13..18...5
2/18/2008.12..18...1 <~~1st B* plus EFX dispute applied
2/20/2008..6..18...1 <~~2nd B*
2/23/2008..3..18...1 <~~3rd B*
2/25/2008..2...18..1 <~~4th B*
Inquiries so far: (underlined = B*d)
TUC 02/19/2008 BK OF AMER
EFX 02/10/2008 RBS CC
XPN 02/09/2008 AMEX
EXP 02/06/2008 STATE FARM FINANCIAL S
TUC 02/05/2008 PULASKI/IBER
EFX 02/04/2008 STATEFARM
XPN 02/04/2008 DISCOVER FINANCIAL SER
XPN 02/04/2008 HSBC BANK
XPN 02/04/2008 AMEX
XPN 02/04/2008 FIRST USA,NA
XPN 02/04/2008 FIRST USA,NA
XPN 02/04/2008 BANK OF AMERICA
XPN 02/04/2008 WASH MUTUAL/PROVIDIAN
TUC 02/04/2008 BRCLYSBANKDE
TUC 02/04/2008 CITI
TUC 02/04/2008 ST FARM BANK
TUC 02/04/2008 CBUSA
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 BANK OF AMERICA
XPN 01/16/2008 FNB OMAHA
XPN 01/16/2008 FIRST USA,NA
XPN 01/16/2008 ADVANTA FINANCIAL CORP
XPN 01/16/2008 CAPITAL ONE BANK
XPN 01/16/2008 AMEX
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)
Card Type Limit CLR Adjusted BT % BT Rate Period Max Charge
Providian Platinum Personal $12,000.00 $0.00 $12,000.00 $0.00 0.0% 1.99% 8 months $150.00
Chase Freedom Personal $14,000.00 -$13,000.00 $1,000.00 $0.00 0.0% 1.99% 5 months ?
Citibank Dividend Platinum Select Personal $30,000.00 $0.00 $30,000.00 $33,000.00 110.0% 0.00% 6 months $75.00
Citibank Professional Card with ThankYou Points Personal $9,000.00 -$9,000.00 $0.00 $0.00 0.0% 0.00% 12 months $50.00
National City Lifespring Health Personal $1,000.00 -$1,000.00 $0.00 $0.00 0.0% 0.00% 12 months $0.00
RBS Platinum Personal $200.00 -$200.00 $0.00 $0.00 0.0% 0.00% 10 months $0.00
Chase BP Visa Rewards Personal $5,500.00 $0.00 $5,500.00 $0.00 0.0% 1.99% 6 months $99.00
Hilton HHonors® Platinum from American Express® Personal $2,000.00 $0.00 $2,000.00 $0.00 0.0% 2.90% 6 months $0.00
National City Lifespring Health Personal $1,000.00 $0.00 $1,000.00 $0.00 0.0% 0.00% 12 months $0.00
Citi® Upromise® Card Personal $3,600.00 $0.00 $3,600.00 $0.00 0.0% 0.00% 12 months $75.00
IN:LASM Card from American Express® Personal $1,100.00 $2,000.00 $3,100.00 $0.00 0.0% 0.00% 6 months $0.00
WAMU ESPN Total Access™ Visa® Card Personal $5,000.00 $0.00 $5,000.00 $0.00 0.0% 0.00% 6 months $0.00
Discover® More Card Personal $12,000.00 $0.00 $12,000.00 $0.00 0.0% 0.00% 12 months $75.00
National Park Foundation Platinum Visa® Personal $7,700.00 $0.00 $7,700.00 $0.00 0.0% 0.00% 12 months $50.00
Bank of America® Platinum Plus® Visa® Personal $15,500.00 $0.00 $15,500.00 $0.00 0.0% 0.00% 6 months $0.00
First National Bank of Omaha Business Business $14,500.00 $0.00 $14,500.00 $0.00 0.0%
AMEX BLUE CASH® FOR BUSINESS Business $3,000.00 -$2,000.00 $1,000.00 $0.00 0.0% 7.99% ∞ months
Capitol One Business Platinum Business $500.00 $0.00 $500.00 $0.00 0.0% 0.00% 12 months $0.00
National City Business Business $9,000.00 $0.00 $9,000.00 $9,000.00 100.0% 0.00% 6 months $0.00
Citibank CitiBusiness® Card Business $10,000.00 $37,000.00 $47,000.00 $47,000.00 100.0% 0.00% 12 months $0.00
Chase GM Business Business $12,000.00 $13,000.00 $25,000.00 $24,700.00 98.8% 0.00% 12 months $75.00
Chase Business Cash Rewards Visa® Card Business $8,000.00 $0.00 $8,000.00 $7,700.00 96.3% 0.00% 12 months $99.00
Chase Platinum Visa Business Card Business $7,000.00 $0.00 $7,000.00 $6,700.00 95.7% 0.00% 12 months $99.00
Chase Business Rebate Card Business $8,000.00 $0.00 $8,000.00 $7,700.00 96.3% 0.00% 12 months $99.00
BankAtlantic Rewards Business Card Business $25,000.00 $0.00 $25,000.00 $24,675.00 98.7% 0.00% 15 months $75.00
Advanta Platinum Business Business $5,000.00 $0.00 $5,000.00 $4,850.00 97.0% 0.00% 15 months $90.00Totals Total $221,600.00 $26,800.00 $248,400.00 $165,325.00 66.6%
Old $56,000.00 -$13,000.00 $43,000.00 $33,000.00 76.7%
New $165,600.00 $39,800.00 $205,400.00 $132,325.00 64.4%
New Business $102,000.00 $48,000.00 $150,000.00 $132,325.00 88.2%
New Personal $63,600.00 -$8,200.00 $55,400.00 $0.00 0.0%
Total Personal $119,600.00 -$21,200.00 $98,400.00 $33,000.00 33.5%
Total Business $102,000.00 $48,000.00 $150,000.00 $132,325.00 88.2%
I hope I don't end up as the "Hey check out brianLp518's thread... That's what you shouldn't be doing" guy.
Gimme some pointers!
Users like you can add images, links and other relevant information about this topic.
posted: Feb. 4, 2008 @ 11:26p
win333
Senior Member - 2K
posted: Feb. 5, 2008 @ 12:46a
Your going to get to many personal cards, if you have a chance move as much as you can to business lines. Read jericons thread, lots of A/A after 20 new accounts in 12 months.
Good luck
PolarDude
Senior Member - 1K
posted: Feb. 5, 2008 @ 1:49a
I think with part 1, you may have done way too many Chase apps. I've always gotten errors when doing more than 1 chase app at a time (Cookie error - Already applied) This is even when I try a cobranded first USA card, or a biz card. When resetting the cookies and doing it manually, I get letters saying only 1 app allowed, etc.
I'd reccomend adding your biz apps into one thread. I don't see too many 40+ AoRs anymore. You also could have hit up some other banks.
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 2:45a
yeah... i stopped at 20 last night, but i just got AOR crazy and kept applying for Chase cards (roboform egged me on)... thru CS, it gave me that error, but i would close my browser, relogin, and it was all good.
i think i won't activate the lines that are less than $5000, and just b* as many inquiries as possible, and hold on to my butt...
any suggests to avoid A/A's?
markkundinger
Senior Member - 2K
posted: Feb. 5, 2008 @ 5:53a
15 Chase apps? Be sure to post results. I'm sure it will be amusing.
Not activating a new card doesn't matter, it still shows up on your credit report.
brianLp518 said: any suggests to avoid A/A's? Too late.
MikeR397
Senior Member - 3K
posted: Feb. 5, 2008 @ 9:17a
Great formatting on the OP, honestly its the easiest read AOR post I've seen. Good luck!
lhendricks92
Senior Member - 1K
posted: Feb. 5, 2008 @ 10:12a
wow, that's an a$$load of apps. yikes.
Tops
Broke Member
posted: Feb. 5, 2008 @ 10:18a
I think Chase might go after you.
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 10:22a
eek...
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 10:26a
could i scream identity theft and get away with it?
Tops
Broke Member
posted: Feb. 5, 2008 @ 10:32a
Maybe, but don't do it unless you're absolutely sure they they are going to take adverse action on your accounts.
Ditto - I had five and consolidated them down to one-$81K line. I'm going to reapply for the four I closed with the same Sole-P and with a new S-Corp plus add in about 10-15 more Chase and other biz cards. It's almost queued up - hope to launch next week.
win333
Senior Member - 2K
posted: Feb. 5, 2008 @ 11:38a
brianLp518 said: yeah... i stopped at 20 last night, but i just got AOR crazy and kept applying for Chase cards (roboform egged me on)... thru CS, it gave me that error, but i would close my browser, relogin, and it was all good.
i think i won't activate the lines that are less than $5000, and just b* as many inquiries as possible, and hold on to my butt...
any suggests to avoid A/A's?
So how many INQ so far? Was there any ryme or reason to your apps, or did you just pick a bunch of apps?
Ditto on the great format!
If you could,,,, pay close attention to each cards comments. It would be nice to know which chase don't see each other.
mhesidence
Dismembered Member
posted: Feb. 5, 2008 @ 12:07p
brianLp518 said: could i scream identity theft and get away with it?
Call Chase now and say you had some kind of automated appliation program error.
-To err is human, to really screw up it takes a computer.
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 12:27p
win333 said: So how many INQ so far? Was there any ryme or reason to your apps, or did you just pick a bunch of apps? (See new list in OP)
win333 said: If you could,,,, pay close attention to each cards comments. It would be nice to know which chase don't see each other. I'll be updating daily...
SecondCor521
Senior Member
posted: Feb. 5, 2008 @ 1:46p
OP, how long is your credit history and what were your existing lines like?
2Cor521
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 2:26p
see business AOR listed in OP. I'm 23, credit history of about 7 years... only 3-4 years for oldest acct. My Providian/WAMU gives me a TU FAKO of 825 (as of 01-08). You can see my credit scores/lines listed in the business AOR thread as well.
brianLp518
Frivolous Member
posted: Feb. 5, 2008 @ 10:35p
i called chase about consolodating the 4 new business cards i got, but they said i have to wait 90 days... is the same true for personal cards?
has anybody had any luck consolidating other cc's as soon as you got them? if so, what bank, what card, what type, etc.?
Is there anything one needs to do to get approval on deferred card? Thanks !!
brianLp518
Frivolous Member
posted: Feb. 6, 2008 @ 9:52a
wait for an answer via snail mail...
win333
Senior Member - 2K
posted: Feb. 6, 2008 @ 12:23p
brianLp518 said: i called chase about consolodating the 4 new business cards i got, but they said i have to wait 90 days... is the same true for personal cards?
has anybody had any luck consolidating other cc's as soon as you got them? if so, what bank, what card, what type, etc.?
I think you need to try 1 at a time, I've had the best success with BofA, but my last attempt with BofA biz didn't work they just sent me a 2.9% so I took it. I think it's hit and miss, you just have to keep trying.
When you get the right person on the phone, you'll know it and then do as many as you can.
brianLp518
Frivolous Member
posted: Feb. 6, 2008 @ 12:25p
do any banks comment your account for the number of calls, the reason, etc.?
win333
Senior Member - 2K
posted: Feb. 6, 2008 @ 1:22p
brianLp518 said: do any banks comment your account for the number of calls, the reason, etc.?
I wouldn't worry about it, I think if they don't do it right then just tell them forget it. I've had a hard time doing it also, some here do it without a problem.
I'm going to try telling them I've got a large purchase I need to make and I need it available right now, not next week or month. I've read here that it works. Of course if you call and get a CSR that has to go to the bathroom or lunch or home, they aren't going to do what you want. Thats why you have to keep trying.
brianLp518
Frivolous Member
posted: Feb. 6, 2008 @ 10:26p
state farm checked all three credit reports! jerks...
win333 said: brianLp518 said: i called chase about consolodating the 4 new business cards i got, but they said i have to wait 90 days... is the same true for personal cards?
has anybody had any luck consolidating other cc's as soon as you got them? if so, what bank, what card, what type, etc.?
I think you need to try 1 at a time, I've had the best success with BofA, but my last attempt with BofA biz didn't work they just sent me a 2.9% so I took it. I think it's hit and miss, you just have to keep trying.
When you get the right person on the phone, you'll know it and then do as many as you can.
Regarding reallocations, I had no problem with Chase and BoA. Citi was another story. AMEX is easy obviously since you can do it online.
Regarding consolidations, Chase offered to do it but I wanted to keep my old line open. BoA offered as well but I chose to reallocated. Citi didn't offer.
brianLp518
Frivolous Member
posted: Feb. 6, 2008 @ 11:31p
i actually had no problems w/ citi... (see my business AOR thread). i actually ended up w/ an extra $29k in credit!
i really scared about adverse action (win333's got me all scared)... should i be scared to call chase to reallocate lines to business once they see that i have $46.8k in BT and 97.5% on my business cc's; as well as 15 new (let's say i'm approved for all) personal chase cc's?
has anybody ever attempted CLR/CLC through online messaging systems? is that just insane?
p.s. nat city called me today... should i call 'em back immediately (i'm a damn busy guy), or wait till saturday?
brianLp518 said: i actually had no problems w/ citi... (see my business AOR thread). i actually ended up w/ an extra $29k in credit!
i really scared about adverse action (win333's got me all scared)... should i be scared to call chase to reallocate lines to business once they see that i have $46.8k in BT and 97.5% on my business cc's; as well as 15 new (let's say i'm approved for all) personal chase cc's?
has anybody ever attempted CLR/CLC through online messaging systems? is that just insane?
p.s. nat city called me today... should i call 'em back immediately (i'm a damn busy guy), or wait till saturday?
From what I recall, Chase will only do 1 realloc per day. If this is still true, you have about 2 weeks worth of phone calls to make. Please someone else correct me if I'm wrong on this.
As far as CLR/CLC through online messaging, it is certainly worth a try but I would venture to guess they would probably say "for security reasons you have to call...etc....etc"
Good luck to you
EugeneV
Ancient Member
posted: Feb. 7, 2008 @ 12:26a
Not a good strategy. Not much of any strategy at all, actually. There are useful threads around which tell you max number of apps per issuer. Beyond that, you are just collecting hard inquiries on your reports for no good reason.
brianLp518 said: My Providian/WAMU gives me a TU FAKO of 825 (as of 01-08). Are you sure?
win333
Senior Member - 2K
posted: Feb. 7, 2008 @ 12:29a
brianLp518 said: i actually had no problems w/ citi... (see my business AOR thread). i actually ended up w/ an extra $29k in credit!
i really scared about adverse action (win333's got me all scared)... should i be scared to call chase to reallocate lines to business once they see that i have $46.8k in BT and 97.5% on my business cc's; as well as 15 new (let's say i'm approved for all) personal chase cc's?
has anybody ever attempted CLR/CLC through online messaging systems? is that just insane?
p.s. nat city called me today... should i call 'em back immediately (i'm a damn busy guy), or wait till saturday?
Damn I leave for an hour and look what happens
Hey don't kill the messenger, Jaricon will tell you about A/A eugeneV and others. I don't make the rules, I only exploite them. But I'm sure you won't get 15 new chase accounts, on the slim chance you do. I would be happy doing 1 CLR per day, but chase took 3 weeks to do mine.
Can you make a big payment to your 97.5% card so you don't look like your drownding? you are going to BT again anyway, online message sounds interesting let us know how it goes.
1 Year ago I CLRed easy with citi, now the didn't budge. I didn't try real hard.
brianLp518
Frivolous Member
posted: Feb. 7, 2008 @ 12:37a
EugeneV said: brianLp518 said: My Providian/WAMU gives me a TU FAKO of 825 (as of 01-08). Are you sure? 832 Actually:
Umm... I've asked Providian before (i think through online messaging or phone), and they stated that the score is a more of a revolving credit worthiness score... i really doubt my real score was 832 due to my pm123 and other scores being so drastically lower directly after my business AOR.
*update: actually, if you look at the picture i uploaded, it ranges from 300-850+... maybe it is a real score? who knows...
EugeneV said: But 832?? Hmmm... Is there anything important that you forgot to mention about your circumstances? what could i forget to mention? i have PERFECT credit: no missed payments, low revolving balances (i pay off my cards once a week), etc... I paid off student loan of $8k (paid off in full 6 months after graduation), 13 accounts total, 10 cancelled, 3 active.
am i a statistical anomoly?
EugeneV
Ancient Member
posted: Feb. 7, 2008 @ 1:11p
I dunno, but this is the highest score I have ever seen. It is updated monthly and shown with a delay, I think.
brianLp518
Frivolous Member
posted: Feb. 7, 2008 @ 1:21p
~20 day delay to be exact.
win333
Senior Member - 2K
posted: Feb. 7, 2008 @ 5:20p
brianLp518 said: ~20 day delay to be exact.
Any update? Keep us informed maybe we can help, before you make a mistake.
I've been thinking about the A/A scare, Instead of having 20 new personal accounts and freakin out CHASE and others. I would move the Credit lines to business and CLOSE the new accounts. So 20 new Closed accounts might not cause A/A ????????
Have you called the chase APP status line?
LMAO the recording might take 20 minutes to tell you the status of each app.
It would be interesting if only 1/2 of your apps were on the recording, hint hint.
Chase has the BEST app status line that I've found.
brianLp518
Frivolous Member
posted: Feb. 7, 2008 @ 5:23p
where the heck is this app status line?
win333
Senior Member - 2K
posted: Feb. 7, 2008 @ 5:28p
ohhhh man hold on! I'll post the number.
1-800-346-5538
Make sure you count and keep track of how many apps are on it, I think it had 4 of mine. That way you won't have to call and talk to someone.
Skipping 90 Messages...
rluke83
Addicted Member
posted: Mar. 10, 2008 @ 8:45p
Chase did the same thing to me a couple months ago. First, they closed all my personal accs (6 of em), afterwards, they also closed all my business accs (3). It only took a couple days in between. Beware!
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