Ok I was able to dispute my balances for my remaining two cards all online. Found the copy of my experian report i had sent to me in August so I had a report number ready to go.

Hopefully these balances will get to 0 quick.

Ok the disputing is starting to work. My TU score is up to 784.

Just about ready to start this. Probably Monday. Now I just need to come up with an app list. Any suggestions? I really want to try to use that Chase 71k Biz card but who knows. Does Chase ever send out targetted Biz offers?

Also does anyone know if an online BoA CLI application will approve if EX is frozen?

Ok all my balances are reporting zero so I decided to apply for the Citi Professional Card to see if I got an insta-decline due to previous AA with them.

I got the 30 day deferred message. So I need datapoints. Is this typical practice for Citi after AA? Do they usually defer or can they just decline you by mail with the "declined due to prior existing relationship with bank" message.

My EXP is frozen and it seems like Citi likes to pull either EQ or EX depending on location. I am in NYS.

Thoughts? This is the only app I submitted so far.

So I decided to call Citi back in hopes of getting a different CSR. Got the same woman! Duh what are the chances?

Anyways... they tried using the PIN again and it was a no-go. Couldn't pull a report. She is claiming its more or less policy that the EXP needs to be unblocked for a day or two for them to approve credit.

So I think what I am going to do is apply for my Barclays Biz card today, along with US Bank, NatCity, and Discover Biz.

Then tomorrow i'll unfreeze EXP and apply for Citi BUSINESS and the BOA card. If by some miracle I get an instant approval for the Citi Business or I get a deferred, i'll call up Citi and ask them if they got the CR and if they did i'll try to get the same EXP CR used for both the Biz card and the Prof card. In fact if I get approved for both and she is willing to consolidate both cards maybe i'll do that at application (leaving 1000k limit on the Professional so I can get the 15k TYPs).

We'll see.

So I decided to call BOA this evening to try to get one of my other two personal cards with $500 limits CLIed. I spoke to one woman who took down the info (HHI and all that good stuff) then transfered me to someone else.

Waited on hold forever. Long story short she transferred me to retentions. He says he will have to pull a CR to decide if I can up my other credit card. Wanted to know why my 35k limit with my NEA wasn't enough. I just said I want to up this or just cancel it.

He said they normally pull EXP... I told him mine is frozen. He said no problem I can pull a TU or an EQ. So I thought about it and said... "let me think about it" and i'll call back. Got the direct number to retentions (888-780-7784).

So is an inquiry to TU or EQ worth a possible CLI? I tried to go from $500 to $10,000 limit on this card. I don't want to get a CLI with this and then get declined for the platinum plus 0% card.

markkundinger said:

As for BofA, I don't, in general, ever recommend a CLI request that triggers a hard, especially on the leading edge of an AOR. Too much of a hit for too little potential gain.

Yeah that's what my gut was saying which is why I didn't go ahead with it. I'll have answers about Barclays tomorrow when I call them.

Glitch99 said:I trust you read my recent experiences with a frozen EXP? I'd submit the rest of your apps, then call again to offer your PIN (I used the "I know my report is frozen, and I've been trying to find someone to give my PIN to so you can access it and process my application, but no one seems to know how" line right off the bat, no faking ignorance). Both Citi and BofA will pull an alternate (both pulled TU for me, also in NY), no need to unfreeze.

Definitely read your thread. I'll call again tomorrow. Let me ask you one other question. If you go through the phone to unfreeze experian, does it take effect immediately?

Ok called Barclays credit dept. I explained the situation and CSR transferred me to business analyst. The Business Analyst went over the stuff in my credit application and is moving 40,000 over from the Nat Parks card to the Juniper Biz card. Piece of cake. I wanted to leave 500 on the Nat Parks card but the CSR came back and said to leave $1000 so I obviously wasn't going to argue. Nat Parks card now has $1000 limit. Thank you jackcrawfish.

When I applied for the Juniper Biz card, I was actually 10 day deferred by mail. But I checked the online status today and got the declined (sufficient credit with Barclays) message.

Ok after thinking about what to do with EXP and Citi/BOA I decided to just pay the $6 bucks to unfreeze it for 7 days. Since I am really not applying for too many cards it just isn't worth jerking around with pin numbers.

When I unfroze Experian, I noticed on Chase ID Protection that there was still a freakin 9900 balance from my old Nat City card that didn't update on the credit report. Duh. I decided to say F-It and continue applying since my first AOR was great showing a 24k balance on one card.

So I applied for the BOA Plat Plus card. 30 day deferral.

Called Bank Of America shortly afterwards. They transfered me to a credit ninja. Saw new 35k limit on NEA card (CLIed from 25k last week).

Anyways she offered 10k limit on Platinum Plus card, even though she said I was pretty high credit limit with BOA currently. Moved 34,500 from NEA. New BOA Plat Plus card now has 45k limit. I did a 28k BT to my wife's Bank Atlantic Biz card that I need to pay off for her AOR. Hopefully it goes through. I think they are mailing a check because they asked for the address on the statement so it shouldn't be an issue.

Working with Citi right now about the applications. Ok here's the deal with Citi.

Yesterday I applied for the Professional and got deferred. Called and said they couldn't get EXP report even with Pin. Said to unfreeze. I said i'd think about it.

So after unfreezing this morning I applied for the Biz TYN card since this is the card I wanted anyways. Got the 30 day deferral by mail message again.

So I called Biz applications. They said they got the EXP report. Biz application is now with "Underwriting" pending review.

I then decided to call personal applications to see if I could get that EXP report used for the Professional application. The personal rep said she can't see Biz apps. So she transferred me back to Biz. I spoke to the Biz ninja (different person). She said she can't use the same EXP report on the Professional application that was used with the Biz I made online. She asked if I wanted to pull another report for the Professional.

I thought about it for a while, wondered if I wanted to take another EXP hit (that would be inquiry number 15 with 10 of them more than a year old). I said F-it go ahead. I figured I am more or less done with my applications, I wanted to see if I could get an instant approval. She put me on hold forever, comes back and says she can't pull EXP (even with it unfrozen). They must be messing something up so she asked if my other two bureaus were unblocked. She offered to pull EQ instead for the Professional application since they already had my EX report. I said fine. She got EQ and said that is going to underwriting as well, should know in a week.

So I guess we will see if these get approved. If they don't oh well I suppose, not much I could do. Maybe they didn't have the balls to tell me over the phone I was declined due to prior relationship with bank?

At least I know if these get insta-declined I won't bother with Citi on my wife's AOR.

Just got off the phone with Discover. They said applications for a second Biz card get automatically cancelled. One biz card per person's SSN or TIN. You can have up to three total cards with Discover (2 personal + 1 biz, or 3 personal).

But he said he would have no problem opening a new biz card if I cancelled the other one. He even went ahead and told me the great benefits of the new card (0% intro rate ).

So I asked him what limit he can hook me up with on the new card. I threw out 20k. He said he will submit it to underwriting and they will approve me for what they can. He closed my Miles Biz card that had a 10k limit and I also had him close my Miles personal card that had a 1k limit. So the new biz card will have at least 11k. We'll see what I get.

He told me they pulled TU so hopefully i'll get a good limit since that is my strongest bureau.