Rorer714 said:jevon90 said:anybody know if there are are any limits on the number of apps for Elan CC's either personal and/or Biz at the same time or limit on number of total cards. I'm considering applying for all 3 biz cards at some point.
On the business side I have a M&T card with a current BT. I received an instant approval of (25k) last Sunday for the Illinois State Bank card. I also applied for the Woodforest card and got the 7-10 notice. I have not received the letter yet but will update when I do. I also have an US Bank card with a current BT on the personal side.

Edit: In case you are interested there are over a hundred differnt banks that offer these Elan cards. It would sure be nice if they let you have one from each bank. I guess i can always dream!
UPDATE: Just received my Woodforest card today. Only has a 15k CL. I guess I will have to apply for another card to see what their limit is (# of cards and or maximum CL exposure).

welookgoodcom said:It says to waive BT transfer fee i need to do bt at time to applying. but there's no place on 3 step application to do thatAfter I got denied for instant approval, there is a final page for balance transfers. I was denied instand approval and then at the bottom of the next page there is an "Add balance transfer" LINK (not the button, the button is for final app submital). The transfer requests the account number, issuing bank, and address.

I am assuming this is the same process that is used for instant approval. There was a 15 minute time limit on submitting the application, so if possible, don't spend too much time reading through things.

I tryed to use my local CITI branch & the CSR said I needed a PO Box to the payment center to do a BT. So how can I get the CASH?

So, I can request that they send a check to my bank account still? Wonder how HSBC would respond to getting mailed a check, lol.

I am sooo clumsy!!!.. after browsering the site for awhile, i decided to apply for the card. However, I accidentally applied for the College card. They approved me for a $1000. It's funny that i didn't even notice that until they called to verify some info, and told me that i'm approved.

i'm now still kicking myself. Just summited another application. Hope that they will approve me another.

lhendricks92 said:Called today to attempt reallocation. Apparently my new CL on the Woodforest card is $31K. I requested a $30K BT on the app. Hmmmm.

I asked about reallocation, and the analyst said I would have to fax docs to CLI the Woodforest card. She understood I wanted to reallocate, but perhaps they have a max line on a single card without docs. I faxed personal asset statements. I'm usually happy to provide docs, as I suspect this a good antidote for adverse action. We'll see what happens.

When I got my card last week, I saw no signs of the requested reallocation. Sent an online message about it, and today I received a call saying underwriting has approved my reallocation. My new Woodforest CL is now $50K. I immediately did another $20K BT and was assured there would be no fee.

Is there an online status check?

I'm considering one of the Biz cards and was looking through the online ap

On the last page under Applicant statement it says:

I authorize Issuer, in determining my eligibility for credit, renewal of credit, and future credit extensions, to verify my employment and income and all other information I have provided, and obtain information about me, including my residence address, from other creditors, credit bureaus, employers, third parties, and federal and state records, including any state motor vehicle department, and waive any rights of confidentiality I may have in that information under applicable law

I've never seen the DMV thing before (although Penfed asks how many cars you own) Wonder what the deal is? (Checking your identity or like Penfed how many vehicles you own?)

Only thing holding me back is that I think Elan pulls EX in Cali.

Data Point:

I opened a couple of US bank checking accounts in the past month or two. Each time they offered me a $8k Visa with no hard pull. I refused because they had uncapped BT fees. Applied for M&T business card with a $14.9k BT. No pull on TU or EXP. I don't have access to EQ.

It took 6 days to find out the card was approved w/ a $15.5 CL. The CSR said the BT check would be mailed to another creditor on the 18th. Applied late on the 6th. Approved on the 13th. Check mailed on the 18th. More free money! Thanks, OP.

More BT information from my AOR thread:
So I initiated BTs on both of my new Elan Biz cards(M&T and Cambridge Trust) for $9,600(will pay off $101 on both cards so util for each is at 94.99%) each on the 10K lines
I learned a few things
-they don't allow reallocation(lhendricks92 was able to but he sent in documents; they did not even mention this being an available option for me)
-CLIs aren't allowed for 9 months from account opening
-I believe it's best to request a somewhat higher number BT on your app then as reallocation and CLIs are not allowed and it seems they issue a CL of a little over the BT request amount.
I'm still happy with my ~19K in 0% BT money from them, but think I might have been able to get 5-10K more if I asked for more on the app.