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posted: Apr. 28, 2008 @ 1:23p

swishyx said: 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%).

Why not? I applied for 4 (3 biz, 1 personal) and got approved for all of them in the mid of December. 30 days later CLI => double the CL, though I got scared when tried to CLI recently (I think I am addicted to CLI ) and got "you should receive something in the mail". I was relived to get "no CLI can be granted within 6 moths of last CLI"...no FR yet
posted: Apr. 28, 2008 @ 3:26p

Welp, on Friday I applied for a WAMU and got knocked down instantly. So no more appage for me, at least not until I make some inquiries go away.

Separately, remaining 4 cards (NEA, Juniper, Associated Bank, Discover) arrived today. So one week from app day, I have all account materials in-hand. Wicked cool.

Tried to CLI the BankAtlantic business card. Declined. "Account is not eligible for an increase."
posted: Apr. 29, 2008 @ 7:32a

BofA NEA, Juniper IFly, and Citi Home Rebate all turned up on EQ.

Interesting thing happened on TU for the Juniper account - it has a messed-up account open date (none) - so it's the oldest account on my report. By how much, I don't know. Funny.
posted: Apr. 30, 2008 @ 10:39a

Looks like I waited too long on the WOR. US Bank now appears to be charging BT fees on all of their cards. Are there any non-Citi and non-Nat City cards out there still with no BT fees?
posted: Apr. 30, 2008 @ 12:13p

None that I can think of here. Looks like the no-fee BT is going the way of the dodo.

Today's update - Nat'l City decline arrived. Reasons for decline:

- The credit report indicates an excessive number of new trade lines opened in the last 12 months.
- Excessive inquiries.
- The credit report indicates an excessive amount of revolving credit at this time.

The third one was of particular interest to me. I guess you *can* have too much credit


posted: Apr. 30, 2008 @ 12:16p

I hear ya. I was going to go for Nat City but she won't put up with the extra info request that I think they will request. I guess BOA NEA is the next best bet.... $30 fee but possibly a low CL.
posted: Apr. 30, 2008 @ 12:20p

Yeah, I'd leave National City alone. I edited my post above to include their declination details.

BofA NEA sounds smart. Initial CL may be low, but you can try a CLI immediately after issue, and BofA is known for wanting to keep their cards at the top of the pile. Worth having, I think.

I want to say there was something out there with a $50 cap but I can't place it.
posted: Apr. 30, 2008 @ 12:23p

$50 cap... sounds like the Juni's. That might be another option as they do a $15 statement credit on the iFly and give higher CLs... hmm... thanks for the ideas.
posted: Apr. 30, 2008 @ 12:32p

Equifax ScoreWatch has updated my FICO based on 3 of the 5 new personal accounts - score is 716. I was at 717 prior to the AOR, so I have effectively recovered completely on EQ.
posted: Apr. 30, 2008 @ 2:36p

Ugh, I let my PM123 membership expire at end of trial period. Phone rep says sign up again online, online says I can't. Phone rep 2 says 6 months before I can sign up again. But pointed me to Credit Diagnosis, a sister site, at www.creditdiagnosis.com, where I signed up.
posted: May. 2, 2008 @ 10:52a

Two more TU inqs bite the dust, one yesterday, one today. TU is down to 3.
posted: May. 4, 2008 @ 5:18p

Dropped two more TU inqs yesterday. Down to 1. No moves on EQ.

Rec'd letter from Bank Atlantic/Juniper re declined CLI on business card. Says:

- We've received your request for a credit line increase but are unable to fulfill it for the following reason: Insufficient history with us. A credib bureau report was not used in making this decision.

Good info to have.

All that said, I am severely queasy about making use of the Juniper BTs due to recent A/A well-documented in other threads, but am thinking that I had better hop on it before *all* of the new accounts show up.

Pissed-off note of day - I put a purchase on my Discover just to indicate use, planning to pay it off before cycle - they sat on the purchase for a week and then posted it at cycle time. So now I have a new balance reporting. Ugh.

I have put a second small purchase through to see if it will show up to allow me to pay it off via their online access before the next cycle date. If it is not there after 2 weeks or so, I will pay it via a push from my bank.
posted: May. 4, 2008 @ 7:34p

swishyx said: None that I can think of here. Looks like the no-fee BT is going the way of the dodo.

Today's update - Nat'l City decline arrived. Reasons for decline:

- The credit report indicates an excessive number of new trade lines opened in the last 12 months.
- Excessive inquiries.
- The credit report indicates an excessive amount of revolving credit at this time.

The third one was of particular interest to me. I guess you *can* have too much credit

Nat City gave me $25k limit beginning of last month on my targeted Mini App-o-roma. The amount of credit you can get in theory without gaming the system is 100% based on your income. I have no store credit cards nor any business cards at all but I have almost 3x as much personal credit card credit then you and I have almost as much credit on personal lines of credit and overdraft lines as you and I never done a full blown App-O-Rama either. So I am sure Nat City looked at your income vs available credit and decided you have enough credit. I am sure your ratio was much higher than mine which is why I was approved and you were not.

Many people on here have much more credit then me even and they got that credit by doing large App-O-Rama and then consolidating there cards. And many of those people more than likely might see adverse actions of the next few months as issuers start cracking down. Many of the people who did full blown App-O-Rama more than likely would never had been granted those lines if they would have applied for them without gaming the system.
posted: May. 5, 2008 @ 7:49a

Dolmar, you make solid and excellent points. I can tell you point-blank that I'm not carrying anywhere near your assets or, presumably, net worth. One day I will if I'm fortunate.

Further, it is clear to me that I am at an income + utilization ceiling that varies only by issuer. In the case of Citi, for example, I strongly suspect that the only way for me to get a CL that matches my largest ones is to consolidate tradelines. For reference, my income is in the low $100s.

News for today - no more TU inqs. All gone. No movement on EQ.
posted: May. 9, 2008 @ 11:21a

Update - dropped a November EQ inq a couple of days ago. Working my way diligently to the April inqs.

Blast from the past with an interesting outcome - BofA's online monster offered up the WorldPoints business card at my last logout. Decided what the heck, all three reports are frozen, they can't get EX, maybe they'll pull a soft somewhere.

They didn't pull a soft, but they *did* decline due to "an insufficient personal credit file." This is presumably due to the freeze. But they cited EQ instead of EX. I was surprised.

After my EQ finishes b* I may ask them to recon.
posted: May. 9, 2008 @ 3:13p

Data point - EQ FICO dropped from 716 to 708 when Discover reported the balance from my test purchase. Noted that number of accounts in use was a scoring factor.

Data point - uncertain as to why the first Discover purchase was "held" to post until statement day. Subsequent test purchase showed up immediately online.

Data point - Remember the post-AOR WAMU app? Never got an inquiry on any of my reports. My TU freeze may not have been undone as I thought it was, or I may have been declined due to something internal. No letter yet.

Data point - 19 days after the AOR, I have b* my first EQ inquiry from the AOR proper.
posted: May. 10, 2008 @ 7:59p

Data point - 20 days after the AOR, all AOR inquiries are gone.

US Bank sent a letter on the Baylor card asking me to contact their Verification Department. I know they want my bank statements (see prior post) and I'm not too interested in sending them just to see what might happen. May call them for the heck of it, see if they're still asking for the same thing, but will probably just let it die.

One of two things may have been at issue with the Baylor app - (a) right now, due to some kind of buffer overflow at EQ, my former address has overrun the employer field three deep; (b) I listed my employer as my sole proprietorship (something I can't exactly undo with the credit ninja) - this could have led them to try to eval both the Baylor and the M&T together in the first place. However, the first thing they asked me about when I called them way back was my address, so who knows what flag went up... was very weird.
posted: May. 10, 2008 @ 8:43p

swishyx said: Data point - 20 days after the AOR, all AOR inquiries are gone.

US Bank sent a letter on the Baylor card asking me to contact their Verification Department. I know they want my bank statements (see prior post) and I'm not too interested in sending them just to see what might happen. May call them for the heck of it, see if they're still asking for the same thing, but will probably just let it die.

One of two things may have been at issue with the Baylor app - (a) right now, due to some kind of buffer overflow at EQ, my former address has overrun the employer field three deep; (b) I listed my employer as my sole proprietorship (something I can't exactly undo with the credit ninja) - this could have led them to try to eval both the Baylor and the M&T together in the first place. However, the first thing they asked me about when I called them way back was my address, so who knows what flag went up... was very weird.

Isn't the new B* WONDERFUL

EDIT: did you get choppage on 4/19????? You have the same results as I had, pretty much.

How many services are you using and how hoigh did your EQ INQs get?
posted: May. 10, 2008 @ 8:48p

swishyx said: Data point - 20 days after the AOR, all AOR inquiries are gone.

US Bank sent a letter on the Baylor card asking me to contact their Verification Department. I know they want my bank statements (see prior post) and I'm not too interested in sending them just to see what might happen. May call them for the heck of it, see if they're still asking for the same thing, but will probably just let it die.

One of two things may have been at issue with the Baylor app - (a) right now, due to some kind of buffer overflow at EQ, my former address has overrun the employer field three deep; (b) I listed my employer as my sole proprietorship (something I can't exactly undo with the credit ninja) - this could have led them to try to eval both the Baylor and the M&T together in the first place. However, the first thing they asked me about when I called them way back was my address, so who knows what flag went up... was very weird.

I've had the same type of EQ buffer problems, call baylor, you might be surprised that they just want a utility bill to verify your address.

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.
posted: May. 11, 2008 @ 7:30a

win333 said: Isn't the new B* WONDERFUL

EDIT: did you get choppage on 4/19????? You have the same results as I had, pretty much.

How many services are you using and how hoigh did your EQ INQs get?
I got choppage on 4/17 (dailies from 4/16 back were zapped, except for 1 per month). I just checked my EQ via CreditWatch Gold and have 146 inqs (incl. 1 hard). My inqs from 4/17 - 4/21 and a few from 4/22 are gone, based on comparison with a 5/3 report. Using 5 services that appear to be good for b* on EQ, they're in the QS. 6 services against TU.

Interesting side note - I have one EQ hard inq that won't leave, it's a mortgage inq from 5/2007. Stuckage, I guess.


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

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

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

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

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

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

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

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

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

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

On your Citi Biz, was there a minimum purchase amount to get the 15K TYP, or was it just 'first purchase'?
posted: May. 23, 2008 @ 10:44a

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

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

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

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.


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