Goal: Get as much 0% BT money as possible and reallocate significant portion of personal lines to business cards. Obtain as much bonus money/points as possible.
Stats:
HHI: High five figures FAKOs: 775(TU) 771(EX) 762(EQ)
Existing accounts (at or near zero balance):
Personal Cards AMEX Blue Cash________________22,000 AMEX IN: Chicago_______________20,000 Bank of America WorldPoints______25,000 Chase Freedom_________________26,000 Citi Professional__________________4,000 Discover________________________5,000 Discover Miles___________________8,000 WellsFargo_____________________10,000
Business Cards (Sole Prop.) Chase GM Business_____________25,000 Citi Business Platinum Select______5,000 Adanta_________________________5,000
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Seems like a solid list. You're missing the ever-popular BankAtlantic business card. And if you do that, you might as well apply for a juniper/barclays personal card, and then you *might* be able to reallocate more credit to the biz card (via the juniper personal rep).
And remember that Capital One is going to hit all three credit bureaus with inquiries.
I think I have listed in my A0R pretty much all the best current deals on FW for someone like you here. Pick and choose the ones you want. The links were all valid as of about 20 days ago; a few of them may have expired but most should still be good.
I had an existing Discover personal card; I applied for one new Discover personal and one new Discover business and was approved for both via a mixture of new credit and shiftage from my existing card. Discover new accounts sent me a letter saying they had shifted credit line and if I wanted it rearranged I could call them. I did move all my credit to my new Discover business card by calling them. It was extremely easy and showed up online instantly.
ETA: The Discover CSR did say with a great deal of conviction that I could reallocate P->B but once I did that I couldn't reallocate back B->P. Since I'd prefer to use business credit this was fine with me, but others might feel differently.
SecondCor521 said:I think I have listed in my A0R pretty much all the best current deals on FW for someone like you here. Pick and choose the ones you want. The links were all valid as of about 20 days ago; a few of them may have expired but most should still be good.
I had an existing Discover personal card; I applied for one new Discover personal and one new Discover business and was approved for both via a mixture of new credit and shiftage from my existing card. Discover new accounts sent me a letter saying they had shifted credit line and if I wanted it rearranged I could call them. I did move all my credit to my new Discover business card by calling them. It was extremely easy and showed up online instantly.
ETA: The Discover CSR did say with a great deal of conviction that I could reallocate P->B but once I did that I couldn't reallocate back B->P. Since I'd prefer to use business credit this was fine with me, but others might feel differently.
2Cor521
Isn't that "Discover Business Card" appears on personal credit file? I got this information from some posts here. If that is the case, it seems to me that there is no advantage using business credit instead of personal credit?
I removed the CapOne card - not worth the triple hit, I wasn't aware they did that. I also added the Bank Atlantic that mark suggested (pulled cards from 2Cor521's list, as I did for most of my list).
I'll continue to mull over the list for awhile. Is there a reason why people tend to stay away from Discover cards if one can reallocate balances to the business side?
--edit: maybe peabi answered my Discover question... anyone know if that card or all Discover Business cards show on personal?
I already have the Citi Professional, otherwise I would be glad to grab another 15k TYPs!
I updated my initial post with this afternoon's results. Deferrals are always annoying but I did get approved from every major bank I applied to, so that was good.
Thanks again to markkundinger for recommending the Juniper cards - $30K right there already!
Does anyone know if you can consolidate/reallocated a Citi AMEX with a Citi Mastercard? I am guessing no, but there is always hope.
TyroneSchulace said:Discover biz shows on my personal.
I read somewhere you can have more than one Citi Professional.
Funny that I was about to make that same comment. I believe the person who posted that even said that he was able to CLR from the old CITI Pro to the new CITI Pro and go for another 0.0% APR BT. I'd do the same thing any minute, I'm just not sure what story to tell the CSR when asking for CL reallocation.
I CLR'd from Citi Platinum AMEX to Citi Diamond Preferred Rewards MC 3 days ago. The rep said she didn't know if it would go through or not but it showed up online within an hour or two. I've found the Diamond Preferred Rewards card is a great point card for CLR's within citi. I was able to CLR from PremierPass Elite to Diamond Preferred Rewards MC to CitiBiz card even though i wasn't allowed to CLR from PPE to the Biz directly.
cyberkost said:TyroneSchulace said:Discover biz shows on my personal.
I read somewhere you can have more than one Citi Professional.
Funny that I was about to make that same comment. I believe the person who posted that even said that he was able to CLR from the old CITI Pro to the new CITI Pro and go for another 0.0% APR BT. I'd do the same thing any minute, I'm just not sure what story to tell the CSR when asking for CL reallocation.
Updated post with current results. I ended up applying for a second CitiProfessional card per cyberkost and TyroneSchulace suggestion that you can have more than one card and got approved! So an extra thanks to them.
Congrats on the 2nd CITI Pro. I'm curious how the CL on the new one compares to the CL on the old one ... also, I presume you're going to try to reallocate the old one onto the new one (after meeting the requirements of the 15K TYPs) -- please let us know how that goes.
I'll update my original post in the next few days. Right now I am wondering about FW'ers experiences depositing superchecks.
I have consolidated my chase line and need to deposit 60K+ and WellsFargo gave me grief tonight and said that they would charge $12+ fee, send the check to collections, and it could take 90 days to deposit (obviously I could care less about the fee, but I am not letting a bank sit on a 60K+ deposit for 90 days).
I deposited AOR 1.0 superchecks at WellsFargo and the only issue I had then was needing to go into the branch to deposit (I initially put them in the ATM and had them mailed back to me, they were ~$20K). Does anyone know of banks that will just do their job and deposit the money?
Thanks!
Edited to clarify that the money is to be deposited, not cashed.
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