Interesting. So while checking out my Discover business approval, I noticed the my personal card app was canceled. At first I thought this was a denial, but the word canceled seemed weird. I called Discover for the 3rd time today. Turns out, they canceled the Personal app because they thought I changed my mind. I told them I wanted 2 cards to separate my purchases. They said that's fine and approved me for $10,000 and said it can be more if I provide a proof of income. I'm probably not gonna go through all that, but just a note for others.

Those Juny approvals are lower than I would expect. May be worth call, either the number on the card or the Barclay's credit department number mentioned in jackcrawfish's thread, and see if there's any room to work it.

Unless verifying income requires a blood test or something, I'd give it a shot with Discover. They're often slightly stingy with lines, so anything that will boost them is a good thing.

I don't know if this helps, but if you call up the Associated Bank folks, you could get the CL from your unused Citi card moved over to the Assciated card before you do any Balance Transfer. They won't let you reallocate, but if you are willing to close it, they'll move the CL. That would add up to a nice chunk of credit avaialable for a big BT.

VentureScout said:I don't know if this helps, but if you call up the Associated Bank folks, you could get the CL from your unused Citi card moved over to the Assciated card before you do any Balance Transfer. They won't let you reallocate, but if you are willing to close it, they'll move the CL. That would add up to a nice chunk of credit avaialable for a big BT.

There are a few things I am gonna consider. I thought about moving as much over the the citi business if it gets approved. If not, I plan on doing exactly what you said. I have about 40k in unused CL in citi. If I can move as much as I can before the BT, I'm looking at 50k+ to play with.

Love it ... love it, loveit!!!!

The Discover Biz data point is fresh for current AOR-ers... great info..

man.....10 / 10 so far... a miracle in and of itself

8/20/08 - Discover...approved me for $10,000 and said it can be more if I provide a proof of income.I asked teh credit rep for more than 8k I was approved for by submitting docs...he only sadi to wait 6 months and request a CLI...8/21/08 - Called US Bank biz, was approved last night for $25,000. Card was sent out today. That's $40,000 total from US Bank alone as a first time customer. They sure are generous!Booyah!8/21/08 - Called to check on Chase Biz again... Still no decision. They are now my last card. Might be of interest to people that Chase was the last card I applied for before my AOR. I got 2 freedom cards in 02/02/08. Maybe they will reject me based on recent cards. The Amazon Chase card was already crippled to $400.They were very slow for my wife's approval too...I thought they had denied her at first.

Thanks for the updates...it's awesome having others in the game within the same week as your own AOR.... what fun.

App-to-plastic time for Chase for me is usually around two weeks, if I remember.

I've been reading a lot in the last couple of days on AOR. Considering one myself primarily for BT of existing balances. Are most people who do that requesting BT at application or when the BT checks arrive?

bigusmfan said:I've been reading a lot in the last couple of days on AOR. Considering one myself primarily for BT of existing balances. Are most people who do that requesting BT at application or when the BT checks arrive?

Some do it on the app and claim that it causes a higher CL to be given. Some think its a myth. I didn't because I wanted everything to be approved and move my existing CL around to get a bigger overall BT.

US Bank / Elan called me at work. They said that they have both my personal and biz app. My personal shows that I work for one company, and my biz app shows me owning my own biz. She questioned me about my biz and asked what I did. I told her I did freelance consulting for websites (true). She said she needed proof of my business in terms of a federal ID, a biz checking account statement, a biz website etc. I didn't have any of these and told her I have been doing freelance work for 3 years now, and looking to expand (worked with Discover). She didn't like my answers and proceeded to cancel my application. Note that this is AFTER I had called and they said I was APPROVED for $25,000. I will update the status more clearly once I get a rejection letter.

EDIT: I just reread my own logs. I had originally thought that the automated system approved me, but it was actually a live CSR that told me. He said my card had gone out today, and I will receive it. Odd that they told me I was approved, then called to deny me. I doubt they really did send the card, but I am going to call back later today to ask for a more clear response.