Is there anything one needs to do to get approval on deferred card? Thanks !!

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 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.

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 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

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.

WAMU supposedly shows true bankcard FICO score. But 832?? Hmmm... Is there anything important that you forgot to mention about your circumstances?

I dunno, but this is the highest score I have ever seen. It is updated monthly and shown with a delay, I think.

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.

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.