Ok I called Chase business. Asked the guy to close the two personal Chase cards I had and move the lines over the the business card.

I also had him close the other Chase business card I have that was originally a United card that I had them convert to Freedom. I figured no reason keeping a business card open with a $1000 limit. He moved that $1000 limit over as well.

He was able to see all my credit cards just by last four digits. Interesting.

So lets cross fingers and hope Chase doesn't come down with any AA. So far I have been lucky to avoid it. This business card I have should now have a 71k line on it. Currently has a 47k balance.

ETA: I will probably have my wife do the same. Close down an extra business $1000 limit card she has and a Sony Personal card with a $500 limit. No reason keeping these open.

The Chase business CSRs are extremely helpful.

My Chase business line now shows a 71k limit online.

I closed two personal cards and one biz all with small limits. Very nice. Only took a Chase CSR 24 hours to do this (they originally said around 3 business days).

Gonna have the wife do the same on Friday. She has a second Biz line, and an Amazon, Sony, and some other mystery line all with low limits she can consolidate.

Oh and one other question.

Lets say I do apply for a Nat City card and get approved. What are the odds I can request a nice fat balance transfer to pay off my wife's Barclays Biz card? I think it's worth it to try with this bank (NatCity) and Barclays because if the BT "fails"... what's the worst that's going to happen?

My wife's AOR will be happening approximately a month after mine, so this Barclays card will still have a balance on it. And Nat City requires BTs to be done to another CC so it might be worth to try.

My HELOC is currently frozen so I can't use it. That is unless I want to risk sending a huge payment to it and generating a credit balance and then trying to transfer the credit balance off it to my checking.

Don't think that's the best idea. But if I can apply for a NatCity card and pay off my wife's Bank Atlantic with the BT that would be ideal.

So we get a call from Chase today for my wife. She said she was offered a pre-approved mastercard and asked me if she should have taken it.

I said no since I didn't want to bother acting as the proxy asking her how high the limit would have been, etc.

But if they are offering her credit with our balances still showing, our next AOR should turn out pretty good.

Chase already raised her credit lines a few months after the AOR, with all balances showing on her CR which baffled me.

DjPiLL said:I froze my Experian report a few weeks ago. When do they send out the PIN? I haven't gotten mine yet. Hrmmmgh.The PIN was on the confirmation page when I subitted the freeze. Its a 10 digit number (atleast mine is), the same as the one you have to use to request the freeze be lifted.

Got an email for the WAMU ESPN visa with a 6mo BT offer. Not sure what the terms are.

I already have a card with them with 30k limit so this probably isn't worth bothering to apply for. Might just be best to keep the WAMU 30k card for overall utilization.

The more I am thinking about this AOR and the more I see AA being the new norm based on recent threads here, I am probably going to keep this AOR real simple.

I will probably just stick to the major money maker banks (Citi, Chase, Barclays, BoA). From what I remember from AOR 1.0 I cannot get a US Bank card in my state of NY.

Ill also probably start a rolling thunder strategy to minimize the amount of "bunched up" inquiries. It seems like Banks take more AA against lots of new inquiries and accounts at once over high balances.

Plus with biz balances i can shield most of the balances on my CR anyways (with just BoA showing).

If i get a good rolling thunder strategy i can probably loosen up a bit and throw a Discover or NatCity app in there.

What you guys think?

Also anyone open to starting a little friendly wager? What are the odds I get approved for a Citi card after I had AA taken on my back last December?

Glitch99 said:DjPiLL said:From what I remember from AOR 1.0 I cannot get a US Bank card in my state of NY.I'm in NY, and have US Bank cards.

That's strange because in September of 2007 I applied for a US Bank Platinum Visa (0% 12mo no fee) and I got a declined letter stating the reason was "no point of presence in NYS".

OK people... please help me devise a rolling thunder strategy.

Lets assume Citi approves me for new cards (even with prior AA). Because if Citi gives me the instant decline due to poor relationship with bank it probably doesnt pay to be passive with this AOR anyways.

The key is to prevent too many new accounts and hide inquiries.

I can apply for the following types of cards:

Citi Associated Personal
Chase Business
BOA Platinum Plus
Barclays Bank Atlantic
Citi Biz TYN (if i get instant approval on Citi Assoc)
Hard CLI for Discover Personal to try to get 24k limit

That gives me two new accounts showing on CR and maybe 6 new inquiries. That Shouldn't be enough to land AA I hope.

Maybe for the next month or two i can work on b* and get my lines set up with these initial cards. I can use my BOA card to launder BT money from Bank Atlantic (while doing it so BT payments happen before statement ends to avoid balance showing on CR). I can also use BOA to pay off my Advanta Cards.

I can get my Chase BT money and Citi Biz money as well on BIZ.

Then after b* say 2-3 months later (with 0 personal debit showing) i can apply for these cards:

Nat City Personal
Advanta Biz (I cant close my aor1.0 Advanta cards any sooner as I have this money invested in a home improvement project).

Then hopefully a few months later I can apply for.
US Bank Personal
Discover card (whatever good app is out there)
AMEX (hopefully get a targetted offer by then)

Thoughts?

In any "rolling thunder" strategy I wouldn't be too dependent on bumpage. Citibank has switched to EX in many areas (or CA, anyway), and EQ is increasingly hard to bump.