I'm impressed by the prep work, the useful comments and editing of the original list that's already gone on.
I have just a little to add.
I can't stress enough the beauty of biz credit. I know of no BoA biz offers, but I took markkundinger's advice and applied for one anyway. Within 2 weeks, they sent me 0% checks. My wife has had one for years, they just keep sending offers. National city biz is only 6 months, but they gave me a huge ($50k) line. As always ... YMMV
Depending on your Am3x overall usage/lines/likability I had good luck with the starwood biz card, got a $50k limit, transferred most to my in:LA and BT'd a bunch. Now I use the biz card for everyday and keep my utilization lower.
I like the edited list, but I think there's probably still two too many chase (1p+1b). I did 2 biz and 2 personal and got several calls from Chase before they approved any. Lots of A/A is related to number of new cards as well. I don't think the reward is there considering the risk.
I'd add Compass Bank with 12/$75, they gave me and my wife big lines (not sure if there's a geographic restriction).

Can't wait to see what kind of damage you can do.

devildoc said:I'm impressed by the prep work, the useful comments and editing of the original list that's already gone on.
I have just a little to add.
I can't stress enough the beauty of biz credit. I know of no BoA biz offers, but I took markkundinger's advice and applied for one anyway. Within 2 weeks, they sent me 0% checks. My wife has had one for years, they just keep sending offers. National city biz is only 6 months, but they gave me a huge ($50k) line. As always ... YMMV
Depending on your Am3x overall usage/lines/likability I had good luck with the starwood biz card, got a $50k limit, transferred most to my in:LA and BT'd a bunch. Now I use the biz card for everyday and keep my utilization lower.
I like the edited list, but I think there's probably still two too many chase (1p+1b). I did 2 biz and 2 personal and got several calls from Chase before they approved any. Lots of A/A is related to number of new cards as well. I don't think the reward is there considering the risk.
I'd add Compass Bank with 12/$75, they gave me and my wife big lines (not sure if there's a geographic restriction).

Can't wait to see what kind of damage you can do.

Devildoc,

Thanks for the feedback.

I will likely add a BofA biz card back in based on the strength of your and markkundinger's advice.

I will probably pull some more Chase apps, but I'll definitely leave the co-branded cards in.

Was CompassBank easy to work with? If so, I'll add them.

2Cor521

Compass Bank was easy for me. good luck

win333 said:

EDIT:
The banks aren't checking DL #s on apps, just make up a number that matches your state. They ask for that, so when you make a withdrawal and they check your ID they have a number to match with. I don't see your kids going to the bank, RIGHT?

I am reading with interest to see what happens, and 2Cor, you have already rejected the above idea. But I want to say to everyone else that fabricating non-existent DL numbers almost certainly constitutes fraud and may violate other laws as well (such as fake ID laws). In this case, we're not talking about adverse action by some corporate bureaucrat; we're talking potential criminal prosecution and jail time.

Though it might never be prosecuted, juicing household income numbers is also fraudulent. I can't imagine putting down a number that I couldn't back up with documentation under any circumstance.

Let's all remember that the beauty of A0Rs is that we have learned how to play by the rules of the banking system (and to abide scrupulously by the contracts we enter into with banks) in a manner that's maximally advantageous to us. That's beautiful, because most of the time in the world, the banks get the better end of those contractural deals because they set the terms and know how to play within them to maximize their profit in most cases.

We're a group of clever, savvy, upstanding people. Let's not taint that.

VanceWade said:win333 said:

EDIT:
The banks aren't checking DL #s on apps, just make up a number that matches your state. They ask for that, so when you make a withdrawal and they check your ID they have a number to match with. I don't see your kids going to the bank, RIGHT?

I am reading with interest to see what happens, and 2Cor, you have already rejected the above idea. But I want to say to everyone else that fabricating non-existent DL numbers almost certainly constitutes fraud and may violate other laws as well (such as fake ID laws). In this case, we're not talking about adverse action by some corporate bureaucrat; we're talking potential criminal prosecution and jail time.

Though it might never be prosecuted, juicing household income numbers is also fraudulent. I can't imagine putting down a number that I couldn't back up with documentation under any circumstance.

Let's all remember that the beauty of A0Rs is that we have learned how to play by the rules of the banking system (and to abide scrupulously by the contracts we enter into with banks) in a manner that's maximally advantageous to us. That's beautiful, because most of the time in the world, the banks get the better end of those contractural deals because they set the terms and know how to play within them to maximize their profit in most cases.

We're a group of clever, savvy, upstanding people. Let's not taint that.

VanceWade,

Good reminder, and very well put.

There is an ethical line here and staying on the right side of it leads to better sleep.

Now if I can just find out if they'll accept my kids' library cards as ID's...

2Cor521

SecondCor521 said:Added phases 5 and 6 to the OP.
...
Phase 6 I'm being oblique about ...

2Cor521SecondCor521, I thought I'd been reading a lot of A0R material in one year, but your statement leaves me wondering.

I'd appreciate a PM from anyone who can fill me in—without spoonfeeding, of course.

Holy crap! Can I pay you a fee to organize my next A0R? Would you like to start a biz together? I'll be the marketer, you'll provide servicing???

A MAJOR kudos for the details of your 2.0...

This thread, thus far, has an ambiance about it that exudes "STICKY-WORTHY."

jackcrawfish said:Good luck, SecondCor521. I'm not just getting popcorn for this one.... I'll need to invite friends over and have an A0R party... beer, chips, popcorn, BBQ smokies, an all out PIG roast in the back yard..... the whole neighborhood is invited to this one.... welcome friends!

Don't forget the cots this will be a long 1!

brushwood said:bogalusa said:SecondCor521 said:Added phases 5 and 6 to the OP.
...
Phase 6 I'm being oblique about ...

2Cor521SecondCor521, I thought I'd been reading a lot of A0R material in one year, but your statement leaves me wondering.

I'd appreciate a PM from anyone who can fill me in—without spoonfeeding, of course.

I'm curious about step 6 too and I don't get it. Investing in mortgage REITs?

Heavens no!

So this doesn't become a distracting guessing game, I promise I will post a new thread on Phase 6 if I elect to proceed after investigating further. From now on I'd politely request that this thread be dedicated to Phases 1 through 5.

2Cor521

SecondCor521 said:It's go time.

Back in a few hours with news

2Cor521
Good luck!!!