Mrs Jackcrawfish and I are planning a cruise in February next year. Proceeds from this AOR will be used in part to pay for tips while traveling.
GOAL Get Good Bed of Credit to leverage for her AOR2.0 Earn some cruise spending & tip cash Test Apps for my own AOR2.0 planned for September (AOR 1.0)
BusinessAgencyDateNoteNote2
CITIBANK EQ 04/20/2008 40000 TYPMacys/DSNB EX 09/14/2007 15% off purchase (unbumpable inquiry)
CITIBANK EQ 07/10/2007 USA account, I think
GEMB/JCP TU 03/16/2007 15% off purchase bumped off 08/04/2008
LOCAL CREDIT UNION EQ 10/30/2006 Renewed LOC account
ACCOUNTS
IssuerAgeLimitTypeOwned?
Citi Div Plat Sel 12yrs 13k Revolving AU
APPLICATIONS TO CONSIDER
ISSUERTermRateFeeApplyA/DLimitBureauNOTEPERSONAL CREDIT
1 Chase Plat MCardŽ 12 0% 75 Link C 00000 EQ Immed Consol
2 AMEX/BLUE 99 5% 99 Link D 00000 EX This is for AOR2.0 strategy
3 BOA PlatPlus 12 0% 0 Link D 00000 EX unable to obtain credit report
4 CITI Associated Bank 12 0% 0 Link C 00000 EQ CLR $15k to CASH Returns
5 CITI CASH RETURNS ............ Link C 00000 EQ FW Talk 15k from Assoc; adverse closure
8 USBANK / LINUX 12 0% 0 Link A 25000 EQ FW Talk 0 fee with app
10 BCLYS Juniper EDirect 6 0% 50 Link C 00000 TU CLR 9.5k to Bank Atlantic
11 DiscoverŽ More Card 12 0% 75 Link A 08000 TU (pull also used for the biz app)
12 BCLYS IFLY 12 0% 50 Link D 00000 TU Sufficient crdt is avail on your acct issued by Barclays
15 WAMU ESPN Total... 6 0% 0 Link A 02000 TU
16 BCLYS BestWestern 6 0% 50 Link D 00000 TU Sufficient crdt is avail on your acct issued by Barclays
17 Wells Fargo 9 0% 75 LgdIn D 00000 EX Under my log-in.. they tried to pull EX
18 Chase/Disney 12 0% 50 Link C 00000 EQ CLR 10500 to Biz
19 USBANK /ProBull 12 0% 0 Link D 00000 EQ FW Talkmax unsecured credit already avail
20 BOA NEA Card 12 0% 30 Link D 00000 EX unable to obtain credit report
21 FNBO ............ Link D 00000 EQ FW Talk/Hopeful
22 PRINCIPAL 9 0% 3% Link D 00000 EQ Excessive inquiries
23 RBS Peoples Bank 12 0% 60w Link D 00000 EQ too many inq
24 BOA Pet Rewards 6 0% 0 Link D 00000 EX unable to obtain credit report
25 State Farm 9 0% 0 Link D 00000 TU|EQ 08/01|08/04 (respectively)
27 Iberia Bank 6 0% 0 Link A 10500 TU Will BT approx 10/31/2008 1st time
28 CHASE perfect 12 0% 99 Link D 00000 EQ $25 cardselection too many inquiries
29 Wachovia 12 0% 75 Link D 00000 EQ FW Talk Phone app / Excessive inquiries
30 AMEX CLEAR ............ Link A 02000 EX Denied at first
31 AMEX HILTON ............ Link D 00000 EX
32 BCLYS Farm Bureau 12 0% 50 Link A 02500 TU !Applied 2 days after initial 3 BARCLAYS apps!
34 CHASE invitation 12 0% 99 D 00000 EQ too many inquiries
35 CITI Professional 12 0% 99 C 00000 EQ Converted to PlatSel; Will CLR to CASH Returns; 10k lost to AA
36 BOA Plat Plus 12 0% 30 Link A 10000 EX I reapplied 8/26 after defrost
STATS = 60000 NEW CREDIT 7 OPEN/29 APPS (after consolidation and Citi AA)
BUSINESS CREDIT
6 Chase Biz (AKA FUSA) 15 0% 99 Link A 16500 EQ Card= 08/20/08 CLR 10500
7 CitiBusiness 12 0% 0 Link C 00000 EQ 10k lost to AA
9 BCLYS Bank Atlantic 15 0% 75 Link A 27500 TU $9.5k CLR from Juni Em Direct
13 Advanta Plat Biz 15 0% 90 Link A 02500 EQ T&C markkundinger:small credit limit?
14 Dicover Miles 6 4% 75 Link A 05000 TU $40 cardselection
26 CHASE Cash 12 0% 99 Link D 00000 EQ $30 cardselection too many inquiries
33 Elan M & T 6 0% 0 Link D 00000 EQ inquiries
XX 5/3rd 12 0% 0 Link Not available locally
STATS = 051500 NEW CREDIT 4 OPEN/ 7 APPS (after consolidation and Citi AA)
Applied for and instantly approved for CHASE cardApplication Approved Congratulations. Your application has been approved. You will receive your card and complete account information within 2 weeks by mail. Applied for and instantly received denial for AMEX BLUEIn processing your application we have determined that you have restricted access to credit information with a consumer reporting agency. Once you provide us with the access code, pin, or authorize American Express to receive information from your credit file from the consumer reporting agency listed in this letter, we will continue processing your application. Regrettably, if we do not hear from you within 30 days from the date of this letter, we will be unable to provide additional consideration to your request Applied for and instantly received deferral for BOA Plat PlusYour business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time. For more information on freezing a credit file so as to prevent inquiries, see theman's thread
jackcrawfish said: For more information on freezing a credit file so as to prevent inquiries, see theman's threadExactly what I was looking for! Thanks, and good luck the rest of the way!
lhendricks92
Senior Member - 1K
posted: Jul. 30, 2008 @ 9:05a
cyberkost said: Do I see monospace font? GRE-E-E-E-EN! Finally a solution for all those alignment problems that many posts with tabular material suffer.
Jack - what am I missing? You only list one active account? You only applied to one Chase biz card? I applied to 5-7 Chase biz apps in both of my A-O-Rs and got approval on five of them each time. This was July 07 and Feb 08, so the world may have changed.
Venturion said: Jack - what am I missing? You only list one active account? You only applied to one Chase biz card? I applied to 5-7 Chase biz apps in both of my A-O-Rs and got approval on five of them each time. This was July 07 and Feb 08, so the world may have changed.Yes - only one account as AU.
As I recall, CHASE uses the same bureau report, correct?
edit: my bad... it was US Bank edit2: i see Venturion disputed inquiries via Win333 technique (I'll search for his technique unless someone here feels "spoon generous") edit3: If I'm reading Win333's post correctly: 1) fill report with softs using multiple services 2) prior to choppage, "trap" the softs pulled in step 1 by disputing with EQSilver 3) continue pulling with services. When choppage happens, only the softs pulled following the EQSilver dispute will be removed
What do you all think? Should I get a pin and let AmericnExpress hit EX? I'd like her to get a monster CL to help her scores for the possibility of an AOR2.0. Green for YES red post for NO.
jackcrawfish said: Applied for and instantly received denial for AMEX BLUEIn processing your application we have determined that you have restricted access to credit information with a consumer reporting agency. Once you provide us with the access code, pin, or authorize American Express to receive information from your credit file from the consumer reporting agency listed in this letter, we will continue processing your application. Regrettably, if we do not hear from you within 30 days from the date of this letter, we will be unable to provide additional consideration to your request
Unfortunately, Chase does pull separate reports for each app, but sometimes they get aggregated and, of course, you can bump them
As for disputing EQ inquiries, that ability has sadly gone away. Anyone have different recent experience?
jackcrawfish said: edit: my bad... it was US Bank edit2: i see Venturion disputed inquiries via Win333 technique (I'll search for his technique unless someone here feels "spoon generous") edit3: If I'm reading Win333's post correctly: 1) fill report with softs using multiple services 2) prior to choppage, "trap" the softs pulled in step 1 by disputing with EQSilver 3) continue pulling with services. When choppage happens, only the softs pulled following the EQSilver dispute will be removed
AT LAUNCH
EQ = 03 (1 < 12 mo)
EX = 01 (it is < 12 mo)
TU = 01
THROUGH 16 HOURS and 15 APPLICATIONS
EQ = 10
EX = 01
TU = 06
THROUGH 5 DAYS and 33 APPLICATIONS (6 apps believed to require Experian pulls)
EQ = 15
EX = 01
TU = 06
Message edited by: jackcrawfish on 2008-08-04 16:39:00 CDT Message drafted by: jackcrawfish on 2008-07-30 15:17:00 CDT
I don't think Citi is going to grant her a 5% unlimited account (see below).
At first, I was very pleased email Thursday, July 31, 2008 10:06 AM Dear Mrs Jackcrawfish:
Congratulations and welcome to Citi CashReturns(SM) Card card membership! Your account was approved on 07/30/2008 with a credit line of $7,300. You should receive your new card and Card Agreement within a week.
If you do not receive your card within 10 days from the approval date, please call us immediately at 1-800-950-5114. For your convenience, we are here to serve you 24 hours a day, 7 days a week.
Once you receive your card in the mail, visit www.citicards.com to see if you have balance transfer offers available to you.
If you are interested in adding an additional cardholder, please call us at 1-800-950-5114 or go to www.citicards.com once you have received your card. We look forward to serving you for many years to come.
Sincerely, R.M. Pick Citibank (South Dakota), N.A.Then I became concerned
email Thursday, July 31, 2008 10:06 AMDear Mrs Jackcrawfish:
Thank you for applying for a Citi CashReturns(SM) Card account. We have additional information we would like to discuss with you to ensure we provide you with the product that best meets your needs. Please call us at 888-556-0463 between 8:00 a.m. 10:00 p.m., ET, before 08/05/2008.
Sincerely, R.M. Pick Citibank (South Dakota), N.A.I'll have her call later tonight to figure what's going on.
FWIW, I have screen shots... we'll see how it goes.
07/31/2008 2:40 PM CST correction: I had pasted the same Citi email in both quoted positions...
PolarDude
Senior Member - 1K
posted: Jul. 31, 2008 @ 2:23p
for AMEX, if experian is frozen, you will get denied if they pull it. you can apply for another one and they may pull TU, and get a deferral.
glxpass
Senior Member - 5K
posted: Jul. 31, 2008 @ 2:29p
Don't worry about it. They're just trying to promote another product, such as the Citi Professional card. I've received these offers *after* having been approved for the CashReturns card, so you might want to have your wife check her application status.
Since I've started ignoring these letters, I've been deluged by specific offers such as pre-approvals for the Diamond Preferred Rewards and Dividend Platinum Select cards, both received on 7/25 with letter dates of 6/27, (having uncapped BT fees), and expiration dates of 7/27. Huh?
Earlier this week, I received pre-approved offers of overdraft protection, a home equity loan, and a HELOC. Other than the HELOC, the rates were terrible.
I wouldn't advise both (ab)using the CashReturns card and doing BTs with Citi concurrently. It's asking for trouble.
PolarDude said: for AMEX, if experian is frozen, you will get denied if they pull it. you can apply for another one and they may pull TU, and get a deferral.Thanks... I'll try another AMEX app today.
edit: I found Tolmap's comments interesting - this may have been the source PolarDude refers to.
glxpass said: Don't worry about it. They're just trying to promote another product, such as the Citi Professional card. I've received these offers *after* having been approved for the CashReturns card, so you might want to have your wife check her application status.
Since I've started ignoring these letters, I've been deluged by specific offers such as pre-approvals for the Diamond Preferred Rewards and Dividend Platinum Select cards, both received on 7/25 with letter dates of 6/27, (having uncapped BT fees), and expiration dates of 7/27. Huh?
Earlier this week, I received pre-approved offers of overdraft protection, a home equity loan, and a HELOC. Other than the HELOC, the rates were terrible.
I wouldn't advise both (ab)using the CashReturns card and doing BTs with Citi concurrently. It's asking for trouble.Thanks for the feedback... I searched the DYING Cash Returns thread and confirmed your comments. I'll have her call in later tonight.....hmmmm maybe I could add a Professional card, immediately consolidate to cash returns, then do some laundry.... just as GroveStreetOG suggests
jackcrawfish said: PolarDude said: for AMEX, if experian is frozen, you will get denied if they pull it. you can apply for another one and they may pull TU, and get a deferral.Thanks... I'll try another AMEX app today.I tried for the CLEAR card and received the same pin request as the BLUE.
Curious...I am of the opinion that if I provide them a pin now and they pull before all of these new accounts show up, her chances of getting approved are excellent. As mentioned already, I want to build a good bed of credit (various issuers) so that her AOR2.0 might be more appealing.
To those that voted in my prior post ... please provide comments as to why I SHOULD NOT provide a Pin.... TIA
Venturion said: Jack - what am I missing? You only list one active account? You only applied to one Chase biz card? I applied to 5-7 Chase biz apps in both of my A-O-Rs and got approval on five of them each time. This was July 07 and Feb 08, so the world may have changed.I called to get the status of the business cards today. Here's what happened.
ME: I'd like to check the status of my business card apps REP: OK.... I see you were recently approved for 2 personal cards: 1 Chase Plat MCardŽ 12 0% 75 6000 limit and 18 Chase/Disney 12 0% 50 10000 limit. The business apps will not be approved unless we close one of your personal accounts. Would you like to be considered for a business card? ME: Yes, please. REP: What is the nature of your business, income, employment, etc ME: The nature is as follows...bla bla bla REP: In order to be considered for the 6 Chase Biz (AKA FUSA) 15 0% 99, which card will you close? ME: The 1 Chase Plat MCardŽ 12 0% 75 6000 limit can be closed REP: Would you mind holding while I take a look at your credit report? ME: (After confirming that another hard pull would not happen) Yes, I'll hold. REP: I'm going to recommend that this business card application is approved for $6000. Anything else today? ME: Whoa... wait... You can't guarantee approval? and if that's the case, I'd like to keep my $6000 personal card left open. REP: I understand.
Now we'll see what happens. It would appear that CHASE does not hand out business credit like candy for Mrs Jackcrawfish.
markkundinger
Senior Member - 2K
posted: Aug. 2, 2008 @ 1:17p
I'll admit it's slightly strange that you were talking to a credit ninja (reviewing your credit report) who could only 'recommend' an approval on the card.
However, I don't think it's a particular sign of tightening, and the odds sound very good you'll get the business card.
Also, with Chase, I thought using the automated line was the preferred method of inquiry. However, it sounds like Chase held up processing of your business apps - that sucks.
Venturion said: Unfortunately, Chase does pull separate reports for each app, but sometimes they get aggregated and, of course, you can bump them
As for disputing EQ inquiries, that ability has sadly gone away. Anyone have different recent experience?
jackcrawfish said: edit: my bad... it was US Bank edit2: i see Venturion disputed inquiries via Win333 technique (I'll search for his technique unless someone here feels "spoon generous") edit3: If I'm reading Win333's post correctly: 1) fill report with softs using multiple services 2) prior to choppage, "trap" the softs pulled in step 1 by disputing with EQSilver 3) continue pulling with services. When choppage happens, only the softs pulled following the EQSilver dispute will be removed
With a recent EQ full report in hand (such as you get after filing a dispute or through your annual FCRA request, or I guess by just buying your report from EQ), you can call the 800 number listed on the report, enter the report number and dispute inquiries by phone. My theory is that they do not even investigate, just delete the one or two you dispute and move on, as they seem to pull them within an hour or two. Within the past few weeks this has worked. There is no way to dispute inquiries online, however. You could probably also write a letter. I would not abuse this procedure, however. You should have reason to believe the inquiries are not legitimate (such as, FIA card services made an inquiry and you only bank with Bank of America, or that First USA hit your credit, while your only credit card is with Chase).
Thanks for the clarification, VW. EQ used to allow inquiry disputes online - I had five or six inquiries removed that way from my last A0R. The reasons could be considered legitimate and have been the subject of numerous discussions. I'm glad to hear the old fashioned ways still work. The online method was removed as EQ no longer shows inquiries when you dispute online (or at least when I tried two weeks ago) as they used to.
Venturion said: Also, with Chase, I thought using the automated line was the preferred method of inquiry. However, it sounds like Chase held up processing of your business apps - that sucks.In the Application Status thread, there are 2 numbers to call for CHASE apps:
(option 1) Dedicated Chase automated system: 888-338-2586. Only needs SSN. (option 2) Chase automated system:800-945-2006, wait, #, 2, SSN (gives status of both personal and business apps)
I called the first number, entered ssn and HAD to go to a rep to get info.
I tried the second option today and realized this option is COMPLETELY automated. Although rep told me last week one personal and one business card would be approved, all apps via this option 2 were "being reviewed."
Interestingly, the automated line identified Mrs Jackcrawfish's applications as follows (note the 7/30 received app being the 2nd app reviewed).
1st application received on 31-Jul being reviewed 2nd application received on 30-Jul being reviewed 3rd application received on 31-Jul being reviewed 4th application received on 31-Jul being reviewed
Explain this one... pay close attention to the dates
Juniper = AppID 1000 applied 07/30/2008 11:50 first app = instant 10000
IFly = AppID 1001 applied 07/30/2008 11:59 second app = Sufficient crdt avail on acct issued by Barclays
BestWestern = AppID 1002 applied 07/30/2008 16:20 third app = Sufficient crdt avail on acct issued by Barclays
FarmBureau = AppID 1003 applied 08/01/2008 01:30 fourth app = deferred 2500 approval THEORY**
Please note that for Mrs J's credit report pulled on 07/31/2008 17:00, there was only one TU inquiry (the bureau used by Barclays in her area).
**The FarmBureau app pulled TU possibly at the time when all new TU inquiries disappear temporarily; with low inquiry total, they approved the application. Important to note that for the 3 apps completed on 7/30/2008, only one credit report was pulled. (the disappearing inquiry phenomenon is nothing new to many here, but I cant cite examples in my brief search here).
If the theory is true, might this timing thing work to our collective advantage when applying at known TU pulling issuers? That is to say, should we all submit second applications on the 2nd day for issuers pulling TU?
Citi Business 10,000
Citi CASH 7,300
Citi Associated Bank 15,000
After registering all three online on 8/6, I requested CLI's for all three. Only one allowed a request for CLI..... Associated Bank response wasThank you for your request. Your account must be open for at least 6 months before we can consider granting a Credit Line Increase. You'll receive written confirmation of this message within 7 to 10 business days. During this evaluation, a credit report was not pulled on your account. Thank you for using our website.Other.....Applied today for the 4.76% intro-APY Everbank FreeNet Checking and Yield Pledge Money Market Account (Bank Deals post)
Last year I was hit with a hard inquiry at Experian (CUSTOMER ONE FIN/EVERB)(note: I applied for the overdraft protection). This time for Mrs J, I did not opt for the overdraft protection. We'll see if that makes any difference. We'll see if they pull a different bureau with her EX frozen...
Iberia sent a card with 10500 credit line!!! OK it's only 6 months but I consider this a small victory considering how adverse to AORers/inquiries they seem to be...
markkundinger
Senior Member - 2K
posted: Aug. 11, 2008 @ 10:54p
Wow, can you tell how promptly Iberia/Pulaski did their pull? And did they ask you for any annoying income verification?
markkundinger said: Wow, can you tell how promptly Iberia/Pulaski did their pull? And did they ask you for any annoying income verification?Applied 7/31... Bureau pulled next day... Per True Credit: PULASKI/IBER 08/01/2008 TransUnion
No Income verification call to my wife....... wait... on the app as I recall there was a spot for employment verification... I gave them the 800 number for my wifes fortune 500 employer (provided them the access code and everything).
I've been waiting patiently for Mrs J's Experian pin number so that American Express can pull her file. I understand from Win333's experience, it takes 2 weeks. I wanted to have them view her report clean - without new tradelines. As it stands 8/11/2008, she has 3 new revolving tradelines reporting:
Once we get them the pin, they might deny not based on too many inquiries, rather too many new accounts opened < 6 months.
From my AOR2.0 thread (I thought it appropriate for discussion here):
DjPiLL said: Also with experian frozen, were there any banks or issuers that denied you because of this?
I would love to freeze my Experian since i already have 12 inquiries.
ETA: I see BOA likes to use EX so I guess I will have to unfreeze EX. But when you do you un freeze EX in the AOR process?As you pointed out, BOA denies for lack of credit report access. So does AMEX and Wells Fargo. My wife's experience follows for reference.
ISSUERTermRateFeeApplyA/DLimitBureauNOTEAMEX/BLUE 99 5% 99 Link D 00000 EX Due to the freeze you placed on your credit file, we were
unable to obtain sufficient credit information to process
your applicationAMEX CLEAR ............ Link D 00000 EX Due to the freeze you placed on your credit file, we were
unable to obtain sufficient credit information to process
your applicationAMEX HILTON ............ Link D 00000 EX Due to the freeze you placed on your credit file, we were
unable to obtain sufficient credit information to process
your application
BOA PlatPlus 12 0% 0 Link D 00000 EX unable to obtain credit report
BOA NEA Card 12 0% 30 Link D 00000 EX unable to obtain credit report
Wells Fargo 9 0% 75 LgdIn D 00000 EX We obtained a report which contained a "security freeze."
We are unable to contimue processing your application
As for your timing question to unfreeze??? I am of the opinion that unfreezing 5 days following an AOR is a good rule of thumb. My thinking is that most apps have completed their reviews of TU, EQ and EX(frozen). You want to be able to provide the likes of BOA, American Express and Wells Fargo a clean Experian file with no new tradelines resulting from your 5 day old AOR**
**One lesson I've learned from placing a freeze at Experian: To provide AMEX, BOA and/or Wells Fargo rights to view your credit file, you must provide your pin number to them. NOTE: Place your freeze on Experian at least 2 weeks before you commence AOR. While the freeze takes effect immediately at Experian, receiving your pin takes 2 weeks according to bureau-bodacious Win333.
Our family freeze experience mirrors that of Win333's... our freeze was placed 7/29/2008 and through 8/11/2008 we both had not received our pin numbers (key to unlock credit file). We tried to get our pin sooner by clicking "forgot my pin." Results here in theman's thread.
* INSTANT APPROVAL **APPROVAL email @ O-600 the very next morning
NOTE: Although many issuers report new tradelines right away, I have requested several due date changes on most of the new cards in an attempt to delay statement printing and subsequent bureau reporting.
Most of the cards were approved on the 1st of the month with a standard due date falling 20-25 days after the 1st (i.e., DATE DUE used to be 8/21/2008).
I changed most due dates to the 15th so that the next/(hopefully 1st) statement will print on or about 8/20/2008 and not report to the bureaus until that time (in theory anyway - we'll see).
Received a Discover 0% for life uncapped BT fee offer yesterday. I was concerned about applying but wanted more information about having more than on personal account with Discover (I was of the understanding that one was the max). trascript of conversation follows:
Welcome to Discover Chat. Please wait for a Discover representative to respond. Your approximate wait time is 0 minute(s). You are now chatting with 'Deb' Deb: Hello! What can I help you with today? You: i just received a new card 7 days ago for 8000 credit line. can i still apply for this one too? Deb: That's a great question! Deb: You do need to wait for 10 months before you apply for a additional card with us .Establish some history and we can issue you another card . Deb: Thanks for asking .Did you have any other questions? You: so then 2 cards are an option at Discover then (after 10 months)? Deb: Oh yes!You are welcome to have up to 3 cards in your name.
jackcrawfish said: markkundinger said: Wow, can you tell how promptly Iberia/Pulaski did their pull? And did they ask you for any annoying income verification?Applied 7/31... Bureau pulled next day... Per True Credit: PULASKI/IBER 08/01/2008 TransUnion
No Income verification call to my wife....... wait... on the app as I recall there was a spot for employment verification... I gave them the 800 number for my wifes fortune 500 employer (provided them the access code and everything).Also, with the card came BT checks... I'm going to push them to 98% as a "FW guinea pig".... yippeeee!!!!
Online service sucks... no secure e-correspondence option - have to call everything in (I have to have Mrs J authorize me to talk on the account)
I've seen that 10 month rule mentioned by a few now, and it must be somewhat new. I applied and was accepted for Miles and Miles Biz in the same spree last November. Oh well, as long as you can continue to consolidate lines, you only really need one new card at a time.
I'm sending a $16,000 payment from USBank (Linux) to Citi Cash Returns card.
I plan to fund a savings account with a very large purchase (immediate 5% ROI) too.
The USBank Linux card is supposed to charge a fee for BT's not included on the application. I read somewhere here that the fee can be avoided for up to 30 days. To be certain I received a promotional BT-Free code via ecorrespondence. Text of messages follow:
ME:I'd like to request another balance transfer. I would like to pay my auto loan off. I didn't include the loan in my original application. Would there still be a balance transfer fee? THEM:Account Ending in: 7130
Dear Mrs Jackcrawfish:
Good morning Mrs J and thank you for contacting U.S. Bancorp Service Center, Inc. via our website.
We appreciate your interest in requesting to process more Balance Transfers. To receive 0% for 12 months with no transfer fee, please use promotional code 45248.
You have two options on the website to find the request form for a balance transfer:
jackcrawfish said: JAGLUR said: Did you have any success applying for Citi Cards after account closures? Hope the test worked!Citi did not approve her application for credit - as expected, they cited recent adverse activity as the reason.She applied again on January 9th of this year and was denied for the same reason: recent adverse action (albeit >3months ago). We made no phone calls to dispute their decision.
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