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DjPiLL's AOR v2.0 - All Results Are In - BOA EFFFFED up bigtime with a BT to Bank Atlantic Archived From: Finance

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alert mods    
   posted: Aug. 4, 2008 @ 7:47a

Good to know about NatCity. When did they "ask you" about moving a line from an old card? I have a Natcity 16k limit card. Should I just request a 25k balance transfer and hope they give me a 10k new card and pull 15k from my other old card?


alert mods    
   posted: Aug. 4, 2008 @ 10:59a

cj, all the recent data points show NatCity as stingy with the second card. for example, earlier this year, i was denied on the LifeWhatever card. i had an existing $25K card. see MikeR397's latest thread for another data point.


alert mods    
   posted: Aug. 6, 2008 @ 11:22a

Ok so I am starting to prepare my current cards for this AOR. I already converted my Chase United Miles Business to a Freedom card to avoid the annual fee.

I am considering closing the following cards in hopes to get new deals. What do you guys think?

Juniper Nat Parks ($500 limit) - Any point of keeping this card open? I really don't see a need. Is there another Juniper account I can apply for that they won't complain I have this card? If not i'll just cancel this now and reapply for it in October.

Bank Atlantic Biz Cards ($42,000 limit - $36,000 balance) - These BTs are set to expire in December as well. Is there any way to apply for a second Bank Atlantic Biz card and then reallocate or is this asking for an insta-decline?

Advanta Business ($10,000 limit - currently $9000 balance) - People are reporting that you can close this account and re-apply as quickly as 10 days later. This BT is due to expire in Decmeber, but it might be worth it to pay it down and reapply in October as part of AOR2.0.

National City Lifespring Visa - ($16,000 limit - currently 0 balance) - This is the one I had to pay down because I missed a payment. Anyways is there any point to keeping this card open? Can you reallocate with NatCity? If I apply for a different NatCity card will they balk at giving me a high limit on a second card with this one open?

RBS Cards - ($9,200 limit - currently 0 balance) - I just paid these off since they had 10mo BTs. Any reason to keep them or should I cancel and re-apply for them in AOR2.0? I don't think RBS allows for reallocation.


Everything else I plan on keeping and not closing since I will be asking for soft inquiry CLIs and then look to reallocate.

Thoughts on all of this? Thanks in advance.


alert mods    
   posted: Aug. 6, 2008 @ 12:17p

DjPiLL said:Juniper Nat Parks ($500 limit) - Any point of keeping this card open? I really don't see a need. Is there another Juniper account I can apply for that they won't complain I have this card? If not i'll just cancel this now and reapply for it in October.

Bank Atlantic Biz Cards ($42,000 limit - $36,000 balance) - These BTs are set to expire in December as well. Is there any way to apply for a second Bank Atlantic Biz card and then reallocate or is this asking for an insta-decline?

I'm in the same boat. My plan with Juniper is to consolidate from Bank ATL to Nat Parks, reapply Bank ATL, and reallocate back to new Bank ATL. This is my best case scenario - the credit dept told me last year biz to personal realloc should be possible, but I haven't see any actual data points.


alert mods    
   posted: Aug. 6, 2008 @ 12:18p

My tactic with the unused Chase biz card would have been to just consolidate with your existing Chase biz card. Reduce the amount of tactic in play.

You ask a lot of good questions about your existing cards. I don't have a lot of answers.

All the Juniper Natty parks card is doing for you is aging, so I'd be tempted to close it also.

Advanta: closing and reapplying is the standard procedure. The CL's they grant are all over the place though. So you need to do the cost benefit, what's $9000 for 3 months worth compared to $??? for 15 months?

I know for sure that RBS won't reallocate between RBS proper and Kroger. But they might be able to reallocate RBS -> RBS. They're underwriters seem a little clueless, so who knows. I'd keep it open even if doing another app with them, and see what happens.


alert mods    
   posted: Aug. 6, 2008 @ 12:19p

The Chase business card only had a $1000 limit so I figured might as well just keep it open for now. I didn't bother consolidating it.


alert mods    
   posted: Aug. 6, 2008 @ 12:20p

One question on Advanta...did you and your wife apply as sole props?


alert mods    
   posted: Aug. 6, 2008 @ 12:22p

lhendricks92 said:One question on Advanta...did you and your wife apply as sole props?

Yes. I got 10k limit she got 12k limit.


alert mods    
   posted: Aug. 6, 2008 @ 12:51p

So I posted some potential apps in the Quick Summary. I have to make a couple of decisions.

We all know Citi closed all my cards with AA from my last AOR. So if for some reason I get some approvals with Citi I don't want this AOR to be too agressive (thus the low amount of card applications).

I am obviously going to focus on BoA and Chase to start. I'd also like to do something with AMEX this time around since I didn't do anything with them last time. I don't care if they FR me since I can back up my HHI.

I have to see if I want to do a Discover Business app and reallocate and I have to get a good NatCity app in there. I also have to decide what I want to do with the Juniper/BankAtlantic issue.


alert mods    
   posted: Aug. 12, 2008 @ 9:28a

Ok... so I filed the online Transunion dispute to see how many soft inquiries I have on TU. And I have the below results. Obviously my name isn't John Apple Smith.

Anyways, one thing I noticed look at the "JOHN APPLE SMITH via TRANSUNION INTERACTIVE I" pulls. I have a feeling these are Privacy Matters 123 pulls as I still occasionall pull my PM123 report to see if anything has changed.

Since these new PM123 softs are appearing, could b* be back with PM123?

Also I wonder how many more soft inquiries I will need on TU to start seeing B*.

 

CONSUMERINFO via CONSUMER INFO.COM
POB 1909
ORANGE , CA 92865
(888) 609-2455

Requested On:
08/2008
Permissible Purpose: CONSUMER REQUEST

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
08/2008
Permissible Purpose: CONSUMER REQUEST

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
08/2008
Permissible Purpose: CONSUMER REQUEST

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
08/2008
Permissible Purpose: CONSUMER REQUEST

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

DISCOVER FINCL SVC LLC
2500 LAKE COOK RD
RIVERWOODS , IL 60015-3851
Phone number not available

Requested On:
08/2008


CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
08/2008
Permissible Purpose: CONSUMER REQUEST

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
08/2008
Permissible Purpose: WRITTEN AUTHORIZATION

CREDITKARMA via CREDIT KARMA INC
577 HOWARD ST FLOO
SAN FRANCISCO , CA 94105
(415) 675-1493

Requested On:
07/2008
Permissible Purpose: WRITTEN AUTHORIZATION

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
07/2008
Permissible Purpose: CONSUMER REQUEST

BARCLAYS BANK DELAWARE
125 SOUTH WEST STR
WILMINGTON , DE 19801
(302) 888-1400

Requested On:
07/2008


WELLS FARGO FINANCIAL BR
206 8TH ST
DES MOINES , IA 50309-3805
(800) 346-3009

Requested On:
07/2008


CONSUMERINFO via CONSUMER INFO.COM
POB 1909
ORANGE , CA 92865
(888) 609-2455

Requested On:
07/2008
Permissible Purpose: CONSUMER REQUEST

BANK OF AMERICA
4161 PIEDMONT PKWY
GREENSBORO , NC 27410-8110
(800) 451-6356

Requested On:
07/2008


NCB CRD SRVS
4661 E MAIN ST
COLUMBUS , OH 43213-3129
(800) 738-3888

Requested On:
07/2008


NORWEST FNCL/WELLS FARGO
800 WALNUT ST
DES MOINES , IA 50309
(605) 336-3933

Requested On:
07/2008


WASHMTL/PROV
P O BOX 9007
PLEASANTON , CA 94566
Phone number not available

Requested On:
07/2008


FEDERAL HOME LOAN MORTGA
8200 JONES BRANCH
MC LEAN , VA 22102-3107
(800) 373-3343

Requested On:
06/2008


TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
06/2008
Permissible Purpose: CREDIT MONITORING

CHECK FREE
6000 PERIMETER DR
DUBLIN , OH 43017-3233
(614) 564-3000

Requested On:
05/2008


CHRYSLER FINANCIAL BVF
36455 CORPORATE DR
FARMINGTON HIL , MI 48331
Phone number not available

Requested On:
04/2008


CITI CARDS CBSD
POB 6142
SIOUX FALLS , SD 57117-6142
(800) 995-5114

Requested On:
12/2007


CITI SD BUSINESS CARD MC
POB 6142
SIOUX FALLS , SD 57117-6142
(800) 732-6000

Requested On:
12/2007


JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
11/2007
Permissible Purpose: CONSUMER REQUEST

JOHN APPLE SMITH via TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
10/2007
Permissible Purpose: CREDIT MONITORING

CITIBANK NA
701 E 60TH ST N
SIOUX FALLS , SD 57104
Phone number not available

Requested On:
10/2007


TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
10/2007
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
10/2007
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
09/2007
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
09/2007
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
09/2007
Permissible Purpose: CREDIT MONITORING

TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
09/2007
Permissible Purpose: CREDIT MONITORING

BARCLAYS BANK DELAWARE
1007 ORANGE ST.
WILMINGTON , DE 19801
Phone number not available

Requested On:
09/2007


TRANSUNION INTERACTIVE I
100 CROSS ST
STE 202
SAN LUIS OBISP , CA 93401
Phone number not available

Requested On:
09/2007
Permissible Purpose: CREDIT MONITORING


alert mods    
   posted: Aug. 12, 2008 @ 9:48a

I have been pulling daily with PM123 and CK. I have only noticed a 1 pull per day rate. Although they might be showing them in the list, they probably aren't counting them in the number of inq's.


alert mods    
   posted: Aug. 12, 2008 @ 10:20a

Ok so I signed up for Chase ID protection using the 30 day trial. I think somebody here said they weren't sure if you could pull daily using the trial so I will attempt this tomorrow.

What do I do with this service? Just request an updated report? Where's the link?

TIA.


alert mods    
   posted: Aug. 12, 2008 @ 11:15a

DjPiLL said:Ok so I signed up for Chase ID protection using the 30 day trial. I think somebody here said they weren't sure if you could pull daily using the trial so I will attempt this tomorrow.

What do I do with this service? Just request an updated report? Where's the link?

TIA.It's daily

credit monitoring thread with the link you need www.chaseidprotection.com


alert mods    
   posted: Aug. 18, 2008 @ 9:48a

Ok got my wife's EQ inquiries down from 7 to 2. Had 0 until TransUnion decided to put all of the inquiries back from using PM123.

Had to pull about 20-30 times using ChaseID, CS, and CK.

Now I just have to get the 8 EQs off my report then we are good to go. Hopefully will get them off by the end of the month. Using the same three services with mine as well.


alert mods    
   posted: Aug. 18, 2008 @ 12:07p

lhendricks92 said:DjPiLL said:Juniper Nat Parks ($500 limit) - Any point of keeping this card open? I really don't see a need. Is there another Juniper account I can apply for that they won't complain I have this card? If not i'll just cancel this now and reapply for it in October.

Bank Atlantic Biz Cards ($42,000 limit - $36,000 balance) - These BTs are set to expire in December as well. Is there any way to apply for a second Bank Atlantic Biz card and then reallocate or is this asking for an insta-decline?


I'm in the same boat. My plan with Juniper is to consolidate from Bank ATL to Nat Parks, reapply Bank ATL, and reallocate back to new Bank ATL. This is my best case scenario - the credit dept told me last year biz to personal realloc should be possible, but I haven't see any actual data points.ONE DATA POINT


alert mods    
   posted: Aug. 19, 2008 @ 7:13p

UGH! F****** RBS!!

I call them speak to CSR "Rockell" two months ago and I ask her "when do I have to have this paid off by in order to avoid any finance charges". She said by the August 11th due date. So I get her name and I say thanks. I pay off the bill on July 31st. I get hit with $22 in fiance charges which I guess ran from July 11th thru July 31st. Goddam joke.

As the customer, I really have no way of knowing when I have to have these paid off by. It doesn't say anywhere on any of these statements when these BTs end. I am at these CSR's mercy to get this info.

I call in and the first idiot I speak to won't waive the finance charges. Now on the phone with a supervisor and on hold.

And you know when I was speaking to this woman Rockell, she didn't sound like she knew what she was talking about and I had to have her explain it three times. She still got it wrong.

Ok Linda says she will "waive the finance charges as a courtesy". She said she sees that I called in and spoke to this Rockell.. but of course there were "no notes in the file" in regards to what was discussed.

She said she won't bother pulling the "call tapes" and she will "take my word for it".

Unbelieveable. I have a 49k balance with Chase. What if they screwed up. My finance charges with Chase wouldn't be $23 dollars. More like $230 dollars. Probably more. Ugh.


alert mods    
   posted: Aug. 19, 2008 @ 7:39p

DjPiLL said:UGH! F****** RBS!!

I call them speak to CSR "Rockell" two months ago and I ask her "when do I have to have this paid off by in order to avoid any finance charges". She said by the August 11th due date. So I get her name and I say thanks. I pay off the bill on July 31st. I get hit with $22 in fiance charges which I guess ran from July 11th thru July 31st. Goddam joke.

As the customer, I really have no way of knowing when I have to have these paid off by. It doesn't say anywhere on any of these statements when these BTs end. I am at these CSR's mercy to get this info.

I call in and the first idiot I speak to won't waive the finance charges. Now on the phone with a supervisor and on hold.

And you know when I was speaking to this woman Rockell, she didn't sound like she knew what she was talking about and I had to have her explain it three times. She still got it wrong.

Ok Linda says she will "waive the finance charges as a courtesy". She said she sees that I called in and spoke to this Rockell.. but of course there were "no notes in the file" in regards to what was discussed.

She said she won't bother pulling the "call tapes" and she will "take my word for it".

Unbelieveable. I have a 49k balance with Chase. What if they screwed up. My finance charges with Chase wouldn't be $23 dollars. More like $230 dollars. Probably more. Ugh.

Better to get the date during an online chat session, then save the transcript for ease of waiving.


alert mods    
   posted: Aug. 19, 2008 @ 9:27p

Sorry, the only real way to go is to reach the T&Cs of the card when you apply (keep a copy from application), match them against T&Cs of the card when received, understand what the payoff date means ("until your July 08 statement" or whatever) and then pay it off on time.

The only CSRs I've received accurate payoff dates from have been Citibank, and that's because their clock doesn't run by statement cycle. Everyone else has been wrong.

The only time I was charged an unexpected finance charge after payoff was Discover last year... and that was because I had misread the terms!


alert mods    
   posted: Aug. 26, 2008 @ 8:38a

Has anybody been able to get CLIs from Chase without having to do a hard inquiry?

I have a Sony card with a 6500 limit and a Rewards card with a 3000 limit. Considering closing these now and consolidating the limits to my Chase Biz card that has a 61k limit. Could wind up with a 70k limit after this is done.


alert mods    
   posted: Aug. 26, 2008 @ 9:28a

DjPiLL said:Has anybody been able to get CLIs from Chase without having to do a hard inquiry?
I've only heard of the occasional auto-increase based on activity, history, etc. These don't seem common for people who have the profile of an AORer.


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