Chase Business - Declined.

Discover card is reporting on EX. 2 days from approval. Impressive.

Other than SecondCor, who was surprised by his $15kCL, I don't think too many others have reported a decent CL. Not sure it would be worth it.

Got online access to Associated Bank account. No CLIs are going to be coming out of the new Citi accounts:

Thank you for your request. Your account must be open for at least 6 months before we can consider granting a Credit Line Increase. You'll receive written confirmation of this message within 7 to 10 business days. During this evaluation, a credit report was not pulled on your account. Thank you for using our website.
Based on "due date" showing, this account will not report to the CBs until late May.

dougneb said:I think I'll be getting 3 Citi's for the wife - Assoc, Pro Cash, and Biz - dance them for a year, request CLI's, then take advantage of the 12 month deal after using them for 11 months and hope they give a nice CLI. Thanks for the info on no Citi CLIs within 6 months.
Glad it was helpful. Your strategy looks a lot like mine. I intentionally capped my Citi apps at 2 pers and 1 biz, figuring I might get nailed at 4 and have them whack all my lines, and I won't be touching their BT options until month 11.

I am trying to decide, however, whether and how to CLR at Citi - I know I want to get my Citi Pro $1500 into something else. I wonder if I can move it by way of conversion to a Diamond Preferred (see Citi Pro thread) over to the Associated?

I'm putting the Citi PP on my list for 6-12 months from now - looks like they might cough up some higher CL on that card. My Citi Pro (no Cash or TY) came through at $7500 last year, it was my first Citi app.

Separately, glad I didn't blow an inquiry on the Discover Business:

EugeneV said:In other developments, I was told by a CSR that Discover would approve at most 1 app per 10 months (at least if you already have a Discover card), including business cards. Thus, my Discover Miles application was cancelled.

Found that bad boy of a detail here.

dougneb said:I think I'll shoot for 6 in the WOR - Citi Assoc, Citi Pro Cash, Citi Biz, CostCo Biz AM3X, US Bank Linux, and some rewards card that comes with 2 free plane tickets.
Can't help on the plane tickets, but:

- Consider the AMEX SimplyCash business card. I love mine. 5% off gas, 1% off everything else, and a few other things thrown in. Would be curious to know what has you looking at the CostCo AM3X.

- You may want to cross-check the US Bank Linux. I think I tossed that one out in favor of the Baylor because the Linux card had a $75 BT fee cap, including BT at app time. I gather from other AORs there is some flexibility about "app time." I also gather that my experience being deferral-limbo with them is not unique.

Geez. If I wasn't freaked about AM3X FR I'd grab that Costco. Maybe I'll hold it for the next round along with the Citi PP.

Wonder what the APR is on the CostCo AM3X... my SimplyCash is pushing prime (last statement was 5.98%).

Discover is on TU now, 3 days after approval.

Updated the Credit Card Application Status Check Thread with a phone number for M&T Business (Card Underwriting). Was advised to call back on Wednesday. Not a fast-moving ship.

swishyx said:US Bank wants to review business bank statements to make a decision on both the business (M&T) *and* the personal (Baylor) app. They also want my mortgage statement, even though my mortgage is right there on my credit report.

How annoying.

Note to readers - don't apply for these at the same time. They will get tangled up with each other. Also - if you do not have an EIN (i.e., you are a sole prop on SSN) they will request business bank statements. And - I got asked whether I was a Baylor alum and if not, why I was applying for a Baylor card.

I'm not really interested in sending them business financials right now - I think I'll cancel the bus app, and let them close the personal one on their own. Will find some other business app to throw out there once I achieve b*.

3 weeks ago I was approved for M&T, WoodForest, and Baylor with no probs. I received the cards about a week after applying and never got a call from anyone. I even got a small CLI on the M&T when I called in for the BT.

Card arrivals:

- Citi Business and Citi Home Rebate cards arrived yesterday. BankAtlantic business card arrived today.

CR updates:

- BofA NEA appeared on EX with original $5K CL. 5 days after approval.
- Juniper IFly and Citi Home rebate appeared on TU (4 & 5 days after approval, respectively).

B*:

- Oldest TU inquiry fell off this morning.

Updates for today:

- Another TU inquiry bites the dust. All that's left on TU is the five from the AOR. I was pulling via TC every day before signing up for the "pile 'o services;" I suspect this is why I've met with success here.

- Called Discover and had them cancel all BT activity so I don't jump to $500 below my CL (based on what was on the app).

- Called Chase and asked them about the "past due history." They couldn't see any. Analyst suspects it was a typo. Interesting note - she did say that the only thing she saw that would cause an issue with the app was that I had balances on a number of credit cards. My take-away is that Chase is slightly more sensitive on that point, at least with business cards. Also of interest - both this analyst and the CSR I spoke with on Saturday noted that I had recently opened a personal Visa with them. Their tone suggested that they wondered why I was applying for another card so soon, though they didn't ask about it.