I'd grab the Juniper. They pull TU in my state. Generous CL, as seen in my and other AORs. AMEX will likely pull EX.

I wouldn't recommend status-checking the Baylor. Credit ninja (heeya)!

On the personal card - did you get the accessorize page & set up an account online login at the end of the app? If so, you can try logging in to determine status. For my Citi Associates Bank I think it said something like my account was not set up "yet," and later in the week I was able to get in well before receiving the card.

dougneb said:I forgot the the Citi Assoc is a separate site from the Citi Personal cards.
Kind of. I can use my other Citi personal logins (including Professional) on the "Citi Associates" site and they take me to the right place. For the cards that have the "dashboard" that lets you monitor multiple accounts, I can also sign cards up there while maintaining their individual logins. It's kind of interesting.

jackcrawfish said:dougneb said:3. US Bank Baylor - 12 mos, 0%, 0 BT Fees; Deferred - entered balance transfer info for $8K to hopefully get approved for at least that amount. (Update 3/27 - received email stating that more information needed and would arrive by mail in 7 to 10 days) (Update 4/2 - declined via mail)If willing to share... what was their reason for decline? What additional information did they request?

Thanks for bumping my thread! Reason was 'maximum credit already extended'. They didn't ask for any more info.

dougneb said:Wells Fargo closed my Visa because of my A0R activities (excessive inquiries, new accounts, debt ratio, etc). Any chance of getting it reopened?

Only concerned because I had a $20K+ limit. My fault because I never kept it active.While I cannot speak for Wells Fargo accounts closed due to adverse action, I can offer hope in terms of re-opening a closed Wells fargo card here.

Basically, I closed an account in good standing and re-opened it 20+ days after completing my AOR2.0.

edit: Is your utilization now above 49% for personal cards? Perhaps you could pay down a balance if needed to get below 50%.

Juniper is loving the AA. They lowered my iFly from $5k to $1k and my wife's iFly from $15k to $13,150. Letters arrived at the same day.

Juniper closed both of my I Fly and Farm Bureau cards last week after I opened them in October. I guess they didn't like the mini AOR with seven other new cards. I've already got their money in the bank, so no loss really.