OK got my business AOR running right now with Experian frozen. Did a personal AOR last year and maybe will do a personal this fall after I have a few experian hits fall off.

HHI 200K
Experian: Frozen solid
Equifax 787 TU-787
Both with zero hits going in.

M & T Bank 0%/6 months APPROVED 25,000 (Was able to due a BT for 90% of the balance online)
Cambridge 0%/6 months APPROVED 25,000 (Was able to due a BT for 90% of the balance online)
Advanta Plat 0%/15 Months APPROVED (CL $2500.00) Wow that stinks. Most here get small lines with them or big. I just have zero luck with them.

Capital One No Hassle Business CASH 0%/12 APPROVED ($5000)I did not activate this card as they gave me a hard time and cancelled the account>

Citibusiness AA Visa 0%/12 Months DECLINED-Too Many Apps
Citi Professional 0%/9 Months 10,000 TYP $1000.00 (I have a prem pass card with 30K BT offer that expires in June. Maybe I can reallocate then?

Citi AA Business with TYP 0%/12 Months DECLINED-Too Many cards
Citi Associated Card 0%/12 Months $20,000 APPROVED
Fifth Third Rewards Mastercard 0%/12 DEFERRED (No answer yet)
Bankatlantic Business- 0%/15 DECLINED-Sufficient Credit with Juniper. I just paid a 0% with Juniper. I know they can be strange because most on the bankatlantic card get a higer line than the average juniper card. I will try again later I guess.
Chase Cash Rewards 0%/12 $10,000 APPROVED
Chase GM Business 0%/12 $15,000 APPROVED
Chase UPS Business 0%/12 $10,000 APPROVED
Bank of America PLAT Business Mastercard 30,000 APPROVED-pleasant surprise today in the mail!

UPDATE*** Pull CR this morning and already 7 hits on Equifax are showing. 3 from Citibank, 2 from Chase, 1 Elan and 1 Advanta. Score dropped 21 points based on that.

UPDATE*** Picked up another 4 Hits later today which were all posted to TU. So far 11 INQ are showing from a total of 14 apps.

UPDATE***Chase took 20K off my existing cards for these new cards. That is ok with me.
So far I got abotu 100K+ in new 0% BT money. Waiting on a few more. Hopefully I can do another business AOR this fall.

Also for me I like the ability to time my BTS so they dont all come due the same month. By spreading out a bit and using my biz partners cards we can position the bills somewhat. Hopefully the approved cards come in with big limits. I did the Associated Citi card which I know is a personal card. So far I am happy with this AOR. The key will be whether I get bumpage in time for another mini biz AOR in the fall.

Rob

More citi & chase biz apps needed!

I am working on a few more . I have some citi cards. Does the professional card report to business or personal? I already have citi business citi aa mastercard etc. Someof the chase biz cards were 6 months only, so I wanted to find some 12 month cards if possible. I will update tonight.

Rob

Go to stook2001's thread, no sense in reinventing the wheel.


look at the bottom of the QS

Go for a fia business card.

Biz card thread

They're listed in there as 2.99, but as of Q4 07 they were 0% for 12mos w/ uncapped fee. I did get them to reduce the fee to $99 over the phone. I've heard GE sold their corp card portfolio to AMEX. AMEX may be good for biz cards as well.

It would be useful to know what your debt/utilization story was like when you started the AOR.

Citibank, for instance, may have known that you already owed them over 30 large, and not felt like extending any more credit.

markkundinger said:It would be useful to know what your debt/utilization story was like when you started the AOR.

Citibank, for instance, may have known that you already owed them over 30 large, and not felt like extending any more credit.

Personal util around 40%. Not sure if that much here. It is super tough for me to go lower than 30 % or so due to normal monthly charging/spending. sometimes I can pay before bill closes, however this is not always possible. I felt going in that it might not be so easy since we have a decent qty of biz cards. we will see.

Also in this case there was no way I was going to pay a 33K bill with almost three months left just to do this AOR. probably I can bump and try again after its paid to see what they do then....

Rob

robertw477 said:Bankatlantic Business- 0%/15 DECLINED-Sufficient Credit with Juniper. I just paid a 0% with Juniper. I know they can be strange because most on the bankatlantic card get a higer line than the average juniper card. I will try again later I guess.

Call the credit dept (number is in credit card issuer faq) and ask them to reconsider by reallocating your existing credit to the new card.

Experian was frozen. Chase took some off my personal and business side for these cards on their own. That was fine with me. I reallocated from a personal card today to the chase 0%/12 to get that up to 22K.

Strange day today. I have been out of the office and called to activate the Cap One biz card. I spoke to somebody who verified data and then told me I need to talk to another rep. After 15 mins on hold I hung up. Called again and a rep said I needed to mail proof of drivers license and util bill. I thought this was strange as I have other accounts with cap one etc? Asked for a supervisor. They were pretty surly and told me due to the Patriot act. That is BS. I told her to cancel the account. She told me she could not. I mailed the card back to them with a note telling them to take a hike.

Rob

So I guess I am not the only one with issues with cap one. They are a strange outfit. I never really liked them but have been aboe to tap some good lines and deals over the years from them.

Bank of America spoke to me today about my biz app. They called to confirm some info. I think this might have been sue to exp frozen. Who knows. He said everything looked good , so maybe I will get that card also.

Waiting on BOA and a few others. Every time I do an AOR one or two apps just disappears. The 5th third app, I dont even see a pull on that one/...

rob