MikeR397's AOR 2.0 - Stage 3 of 4 Complete - Over $400k thus far

ahself said: MikeR397 said: Yep, looks like you are right on that one. Thanks again for catching it. I tried to find a 0% business offer BT for 12 months but couldn't. Anyone else know of a Discover Business 0% BT 12 mo offer? My mom has this card from last year (which is where I got the previous link) and hers had the offer. Looks like they changed terms on me.

I was hoping I wasn't right since I'm looking for similar terms. I thought I found one via cardbenefit.com for the Discover Business Miles Card, link, but the actual terms are different than what the offer page shows.That is interesting though becuase you could probably take a screenshot of that page and make them honor it. However, I had to go through that process with BOA business card last year and it was a GIANT HASSEL. That card had a $25k CL, so it was worth it, but Discover is typically more stringent with CL's, so I'm not sure it would be worth the fight.

jackcrawfish said: MikeR397 said: RudolfSchmidt said: I thought the Citi CashReturns 5% offer was dead.Not dead, but I'm not sure that last link has been verified. I'll take a screen shot and hassel the hell out of them if they think they won't give it to me. No guarantee, but I'm very tenacious with these things.Did you get the link from lhendrick's post?Yes.

sjoy1 said: does the associated bank visa card offer convenience checks? or would you just balance transfer from another card to get the 0 fee 0 interest offer?It is a citi card, and I'm 99% sure they send the stadard issue 3 checks that come in the citi welcome package.

Rorer714 said: I did not receive any BT checks but they will cut a check directly to you like most Citi cards.

How long ago was that? In March, when I signed up for the Associated card, I received convenience checks with the a welcome letter.

ahself said: Rorer714 said: I did not receive any BT checks but they will cut a check directly to you like most Citi cards.

How long ago was that? In March, when I signed up for the Associated card, I received convenience checks with the a welcome letter.
The wife and I both, late april.

Nosh said: Noob question - do I have to own a business to qualify for the Citi professional? Thanks!NO

here
then look among
these

WTF! Citi is now pulling EX for my household. Last year it was all TU (which was good b/c it could all be bumped). I've done two apps, one Cash Rewards (Defferred! I NEED THIS!) and one Associated Bank (Approved $20,000!). Going to do my sisters AOR then pull her credit and lay off my apps to make sure that Citi doesn't see any more inquiries. I'll have to replan my credit inquiry based apps after seeing what they pull for my sister.

Rorer714 said: Applied yesterday for the Cash Returns for the wife. They pulled EQ, first time in the past three years they did not pull TU.
My wife's CashReturns experience, with application, CLI dates:

CashReturns card 1:
EQ: Application - 3/4/2008, CLI - 3/10/2008

CashReturns card 2:
EX: Application - 6/13/2008

My CashReturns card, with application date:

EQ: Application - 4/15/2008

We are in CA, USA.

ETA: Application, CLI dates.

jackcrawfish said: glxpass said: Rorer714 said: Applied yesterday for the Cash Returns for the wife. They pulled EQ, first time in the past three years they did not pull TU.
My wife's CashReturns experience:

CashReturns card 1:
EQ: Application - 3/4/2008, CLI - 3/10/2008

CashReturns card 2:
EX: Application - 6/13/2008

My CashReturns card:

EQ: Application - 4/15/2008

We are in CA, USA.glxpass ... When did these applications take place?
I edited the quoted post above, as well as my original post, to add that information.

MikeR397 said: Can someone verify if any of the AMEX IN card apps are still working? The link I have says card not avaialble and I can't get to an app. My work internet is very sketchy, so I'd apprecaite it if someone can find a 0% BT offer from AMEX for me. The only one I know of is the IN cards (I really need the LA one). Thanks.

Mike, I'm not sure if it's the old news, but someone posted a few days ago that ALL IN:XXX cards are discontinued. Are you aware of that and just looking for a "bridgetrack" equivalent for these cards?

Somehow I missed that AMEX news. Thanks for the quick update guys. It doesn't hurt me much as AMEX slashed my lines, but the rest of my family has like $130k of credit with them ready to be consolidated. I guess it will help a lot with thier overall utilization (which is likely needed), assuming AMEX doesn't slash thier lines at some point in the future. Thoughts/suggestions?

Also, I fired off my sisters o rama yesterday, things are looking real good for her right now. Should I try to incorporate here info into my thread, or should I start a new thread and link the two? Consolidation is good, but I think things would get clustered and the posts would loose appeal/value if together. Let me know what you guys think.

MikeR397 said: WTF! Citi is now pulling EX for my household. Last year it was all TU (which was good b/c it could all be bumped).
I had similar experience reported here. Looks like they know about b* on TU and EQ and changed their strategy to weed out FW accordingly

ahself said: I just noticed that the National City Life Springs 0% BT term is now just 6 months. I guess this changed recently? I clicked on the application link in tim1's list and then noticed it showed the same terms as yours.

However, it looks like the National City Quilter's Rewards card still has a 12 month 0% BT term.Good catch. Thanks, ahself. (I wonder why Tim1 chose not to create a distinct thread).

As for your sister's... personally, I prefer a new thread for each AOR experience.

MikeR397 Said:
Can someone verify if any of the AMEX IN card apps are still working? The link I have says card not avaialble and I can't get to an app. My work internet is very sketchy, so I'd apprecaite it if someone can find a 0% BT offer from AMEX for me. The only one I know of is the IN cards (I really need the LA one). Thanks.

I was thinking about this last night as this will affect over a possible $100k in BT money from AMEX for my wife and I as we get ready to do AOR 3.0. I was thinking about calling and seeing if it was still available by applying over the phone. I have done a lot of web searching and can't really come up with any more info. I am just gonna give it a go and try to "phone it in" when it comes time and hope for the best. My back up plan is gonna be to apply for a Blue card that has 0% on purchases for 15 months and load all non EDP spending on it for the next 1 1/4 years. It pains me to not be able to put those large Cl's to good use.

When you applied yesterday, do you recall what your TU inquiry count was at? B* doesn't work and they have been putting old inquiries back on reports.

nm, sorry.

Edit:

in this post I was going to question Jack on why he's such a believer into what TransunionAssociate was saying (e.g., did he see his inquiries come back?), but then I checked the thread and saw that there have been quite a few confirmations since I last looked.
I checked for myself and saw 05/09/08 inq re-appear (was b*ed off a couple of weeks ago), but my wife's from Feb'08 is still gone ...

MikeR397 said: Just pulled my credit after 14 new apps and only 5 EX inquiries (mostly Citi) and 1 EQ (Advanta) are showing with 0 TU inquries???? No inquiries from chase at all. Maybe they are just delaying the pull, but they were all instant last AOR.Either
(a) TU inquiries are doing the known disappearing effect the day following an application for credit or
(b) when they restored the billion or so previously bumped inquiries, the TransUnion GODS turned off the inquiry counter for July 2nd

Mike,

Don't make a separate thread for your sister. Yes, it may be a lot to swallow in a single thread, but it gives a comparison perspective for two different people in same family and similiar credit histories.

I'm waiting to see what happens with your deferred #9 National City - National Quilters. For me, National City [Lifespring] was the only rejection I received in years. (I do an application every 2-3 months to churn additional principal money and pay off expiring BT.) Instead of National City, I received a Chase Visa preapproved promo for which I applied and was approved for even longer period than 1 year (till Aug 2009) for 0% no BT fee money.

My inquiries are all now showing. The TU ones posted on the correct days, it just took a 2 day delay before they showed up for some reason.

Count:
7 TU inquiries
11 total EX inquiries (5 new, 6 from last year AOR 1.0)
1 EQ inquiry (too bad I can't find another issuer that pulls EQ for me )

I'm pretty sure I'm done with the apps unless something nice comes in the mail or I find someone else that will pull EQ. I could lock TU and EX, but I'm not going to bother with it. This is a pretty full scale AOR already, and better safe than sorry.

Also, I'll be in Vegas Monday - Saturday, so I'll have a big status update when I get back. Until then, its party time.

tolamapS said: Mike, I recommend you sign up w/ creditkarma, AMEX credit secure, and chase id protection (via credco) and start b*. First, b* may not be possible very soon. Second, if you manage to b* using those 3 services, that would provide a good datapoint to the rest of us.

Have fun in Vegas (I don't suppose you will give us a vegas update, will you?).Already using all three of those services . Probably won't have much computer access in Vegas...and I also won't be sober much, so I'm not sure how much alone time with FWF I can make room for .

I've used all three of those services in the past and can confirm that they all work for b*. Creditkarma pulls only TU though, not EQ, but the price is right.

O ya, and did I mention that a small portion of last year's AOR profits are paying for this Vegas trip . Thanks Chase, Citi, AMEX, Discover, National City...