Swish! Fight the Power Mini-AOR 1.0 (All apps finalized 5/12/08)

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Swish! Fight the Power Mini-AOR 1.0 (All apps finalized 5/12/08) Archived From: Finance

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swishyx
Senior Member

posted: May. 11, 2008 @ 10:32a

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EQ FICO is back up to 717 after getting rid of the pile 'o inquiries. Expect it to drop again as balances artificially inflate from moving things around, and still have 1 account with 15K of CL that hasn't reported to any CR.

But overall, the effect of the AOR looks to have been effectively nil on the CR after successful b*. I will get all 3 FICOs after the final account is reporting and balance movement has stabilized.

swishyx
Senior Member

posted: May. 12, 2008 @ 10:59a

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win333 said:Their and the others FRAUD dept. are a freakin JOKE!!!!!

If they ask for bank statements just tell them "sure, i'll get them right out to you" and then drop it.

They just let it die, no harm done.
Ok, final scoop on US Bank/Baylor. Apparently my personal and business app were tangled together pretty good in the "Verification Department." They insisted that I provide them with the business license and business bank statements for the personal application, even after I advised that the business app had been cancelled.

Told them I wasn't going to tangle my business and my personal together to that extent and to cancel the Baylor app. End of line.

Might make a pass at US Bank one of these days with something a little less ambitious, that might pass automated underwriting, just to diversify the portfolio.

swishyx
Senior Member

posted: May. 12, 2008 @ 11:41a

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Funny ha-ha of the day, which pretty much verifies that the M&T app was death by credit ninja. Bear in mind that I asked them to cancel this app:

May 7, 2008

We regret that we are unable to establish an account for you at this time because we are unable to verify

- All of the information on your application

If you have questions, please call the number listed below.
Yes, that's verbatim. ROFL.

swishyx
Senior Member

posted: May. 13, 2008 @ 6:40p

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swishyx said:Welp, on Friday I applied for a WAMU and got knocked down instantly.
Got the letter on this today. It was an internal decline, no CR pulled, due to an issue with an old account - payment dishonored due to bank error - WAMU bank error, ironically - but they killed the account rather angrily and apparently blacklisted me.

The important info for readers - WAMU decline had nothing to do with the AOR.

swishyx
Senior Member

posted: May. 13, 2008 @ 8:20p

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Since b* is effectively done, decided to pull the trigger on a BankAtlantic BT for $10K (50% of the CL). Let's see if they twitch...

swishyx
Senior Member

posted: May. 15, 2008 @ 9:07a

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Weird item of day - EQ FICO is now at 724 - appeared on ScoreWatch the same day as my $4K BOA AMEX balance went up to $11K. CL on the card is $25K so utilization is not exactly positive. Rather paradoxical.

swishyx
Senior Member

posted: May. 16, 2008 @ 10:25a

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BankAtlantic - BT'd to BofA Power Rewards Business card - done on both sides. Requested ACH of $1400-ish overage to my checking account, they said they could cut a check, done.

Interesting item - rep said I prequalified for a personal WorldPoints card. CRs are locked so the app wouldn't go through, said no, but good to know.

lhendricks92
Senior Member - 1K

posted: May. 16, 2008 @ 10:45a

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swishyx said:Interesting item - rep said I prequalified for a personal WorldPoints card. CRs are locked so the app wouldn't go through, said no, but good to know.

Got the same offer when calling about my BofA biz card this week.

swishyx
Senior Member

posted: May. 23, 2008 @ 10:41a

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Citi Associated Bank turned up on EX and TU on the 21st and 22nd, respectively. EQ is usually lagged so may take a couple of days.

In the interim, have paid of the Citi HD card and the CitiFinancial account. No adverse action to report on the BankAtlantic card, they did the BT to my promotional-rate-expiring BofA Business Power Rewards fast and clean, and the balance has gone through a statement cycle. I figured pulling 50% of the CL to start wouldn't raise eyebrows. Waiting for a check for the overage.

Juniper personal has also gone through statement cycle. No glitches. Funny to have $40K of CL with them after getting all these 'up to $7500' solicitations from them in the mail.

dougneb
Senior Member

posted: May. 23, 2008 @ 10:43a

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On your Citi Biz, was there a minimum purchase amount to get the 15K TYP, or was it just 'first purchase'?

swishyx
Senior Member

posted: May. 23, 2008 @ 10:44a

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dougneb said:On your Citi Biz, was there a minimum purchase amount to get the 15K TYP, or was it just 'first purchase'?
It was just 'first purchase' as I recall. Silly me didn't take a PDF of the offer page, but that's how I remember it.

Thanks for reminding me I need to go buy something with that card.

dougneb
Senior Member

posted: May. 23, 2008 @ 10:48a

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Yeah, my wife will be buying something from Staples today with the card. Dance it for 11.5 months and ask for a CLI, do a BT.

swishyx
Senior Member

posted: May. 23, 2008 @ 10:55a

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dougneb said:Yeah, my wife will be buying something from Staples today with the card. Dance it for 11.5 months and ask for a CLI, do a BT.
Ayup. Exactly my thinking.

Rorer714
Senior Member

posted: May. 23, 2008 @ 1:07p

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swishyx said:dougneb said:Yeah, my wife will be buying something from Staples today with the card. Dance it for 11.5 months and ask for a CLI, do a BT.
Ayup. Exactly my thinking.
Citi Business Premier Pass, 15k TY after 1st purchase, 0% BT 12mo, NBTF, annual fee.
Make purchase, pay off, do a full BT. A month or two later apply for Citi Business, 15k TY after 1st purchase, 0% BT 12mo, NBTF. Make purchase, pay off. Move available credit from Citi Business to Citi PP card and BT again for full amount. After 11mo of PP BT, pay off and consolidate card into the Citi Business (avoid annual fee). Do a BT for the full amount on Citi Business for 12 more months.