Thats why you have to call in and hope you get a lucky CSR.

Here is another interesting tidbit with Citi. Maybe it's worth ending your AOR with Citi a month early. This way the card you are reallocating FROM may still have a 0% limit (even though its probably due to expire shortly).

Might be worth trying?

markkundinger said:Was your email inquiry done to the professional rep or business, or can you tell? It sounds like it may have been processed by a personal rep, because that's their standard answer.I initiated the inquiry under her Professional/CASH Returns login so I presume a personal rep may have handled this one.

I'd like to open an EZChecking or USA account and fund it with Mrs J's CASH Returns card.

I had an online chat with a citibank rep:

Stephen Pina: Hello MRS JACKCRAWFISH. Welcome to Citibank! How may I help you?
MRS JACKCRAWFISH: Can I fund a new checking account (opening deposit) with a credit card?
Stephen Pina: Thank you for your interest in Citibank, it is my pleasure to assist you today.
MRS JACKCRAWFISH: If it's a Citi credit card, will it be treated as a purchase or cash advance?
Stephen Pina: Yes, you can fund a new checking account with a credit card. This will show on the credit card as a purchase.
MRS JACKCRAWFISH: When do I need to provide the funding? Immediately, or can I wait to fund it 30 days from now?
Stephen Pina: I regret that if you plan to use a credit card for your initial deposit this must be done immediately.
Stephen Pina: You can make an initial deposit at a later date; however, you will not be able to use the credit card.
MRS JACKCRAWFISH: I am about to proceed with the account opening online. Is there a spot to provide my credit card information or will I have to call in?
MRS JACKCRAWFISH: Will there be a hard inquiry on my credit report if I apply for a new EZChecking under my current Citibanking login?
Stephen Pina: I regret that I have provided you some misleading information. I apologize that I did not notice that you already have a Citibank account.
Stephen Pina: Only new to the bank clients can fund an account with a Credit card.I'll simply close and then applyMRS JACKCRAWFISH: OK. Thanks for clarifying. Is there a ceiling on the amount of an opening deposit done via credit card?
MRS JACKCRAWFISH: My husband might apply.
Stephen Pina: With your current accounts you have the option to fund the account from you current accounts only.
Stephen Pina: Can you please excuse me for a minute, or two, while I research that information for you?
MRS JACKCRAWFISH: Yes. Also, if you please, "Is there a spot to provide his credit card information or will he have to call in?"
Stephen Pina: Thank you for your patience, I have found that there is a maxim limit of $100,000.00 when using a credit card to fund the account. The credit card option only allows Visa or MasterCard.
Stephen Pina: With the application there is a soft credit inquiry.
Stephen Pina: The third step of the application will allow you to provide his credit card information. He will not need to call. MRS JACKCRAWFISH: Which credit reporting agency will Citibank use for the soft inquiry?
MRS JACKCRAWFISH: Thank you for your thorough answers. I appreciate all the help.
MRS JACKCRAWFISH: Do you know which credit reporting agency will Citibank use for the soft inquiry?
Stephen Pina: We can use all three of the credit bureaus, Equifax, TransUnion, and Experian.
MRS JACKCRAWFISH: That's all I have for now. Thanks again.
Stephen Pina: Thank you for participating in Citibank Chat. Have a good day.

You are now disconnected

Citi CASH Returns card declined this afternoon over the lunch hour:

• Account Alert: A review of this account has shown recent high-risk activity. Please contact our Customer Service Unit at 1-800-950-5114

Otherwise, I've been doing the everyday stuff like groceries, lunch and fuel...

In other news... TU Bumpage today...

WASHMTL/PROV 07/30/2008
DISCOVER FIN 07/30/2008
BRCLYSBANKDE 07/30/2008

She uses:

1. CHASEIdentityProtect
   
2. NationalCityIDProtect
   
3. PM123
   
4. CreditKarma
   
5. TrueCredit

crap...

I was excited to fund a savings account with a CASH Returns credit card but I've confirmed with multiple CSRs and other sources that the technical issues where CASH Returns card funding transactions were posting as purchases have been corrected. Now any funding ideas I had have been squashed because these will post now as a cash advance and incur a 3% uncapped fee...

what a crock...

jackcrawfish said:crap...

I was excited to fund a savings account with a CASH Returns credit card but I've confirmed with multiple CSRs and other sources that the technical issues where CASH Returns card funding transactions were posting as purchases have been corrected. Now any funding ideas I had have been squashed because these will post now as a cash advance and incur a 3% uncapped fee...

what a crock...Do you have an AAFCU account? There's no limit there. BoA I think does have a limit.

the CASH Returns card was being closed today due to recent information contained in a credit report. A letter will be mailed which will advise of the agency used in this decision.

MikeR397 got his and his sister's reopened so I'm not too worried.

The only thing which I'm concerned about is whether the 5% for 90 days will still be in play once reopened.

Oh BTW, they closed her 10,000 CitiBusiness card and recently converted from Professional to Platinum Select card too...

Hey Jack... might want to check to make sure your own Citi accounts are still open.

There is an easy way to find this out without calling them. Log into your CitiCards.com account for any Citi card you own.

Then go to Balance Transfers and select VIEW OFFERS. (I believe this is the way to do it).

If you see 0% offers there, you are fine. If it says they can't process it and to call them, you got problems.

ETA: Actually you log into CitiCards.com then go to Manage Your Account, Balance Transfers, Request a Transfer.

If they show you your BT offers you are fine. If they say an error has occured and give you a phone number to call them you got problems and your accounts are probably closed.

markkundinger said:What does her credit report look like now? How many new accounts, how many inquiries, what was the change in debt? Do you know which bureau citibank pulled yet?

I think it's safe to say that she has several new accounts, several new inquiries, and more debt than before. This is true for most of us doing these A0R's.

Both my wife and I did A0Rs this year, including new Citi Cards, and neither saw adverse action...but I chose to lay low for a few months and not do anything other than a few small purchases with the Citi Cards.

I think the question is what triggered the additional review? I'm wondering if it had anything to do with the Cash returns card being declined for the coin purchases and undergoing an account review. As posted earlier, he received this message: "Account Alert: A review of this account has shown recent high-risk activity. Please contact our Customer Service Unit at 1-800-950-5114"

I'm still waiting on the official notification from Cit as to which agency was used for determining closure of all accounts.

as of 2008-09-16:

                 TU        EQ        EX
new inq           0        16         3
new accts        11        11        11
revolv line  100300    100300    100300
rev bal       37600     37600     37600
util            38%       38%       38%

With all this market volatility, I'm tempted to throw 20% of arbitrage $$$ into a mutual fund...