Advanta is standing firm on wanting a biz document. The EIN document I sent them was unsuccessful. So I guess I won't be getting the card unless anyone has another idea.

At this point, Im gonna forget about Advanta. But I'm wondering what ticked them off. Last night I received a statement, a welcome package, and blank checks from Advanta. They were very much gonna approve me. I bet it was cause I asked for a large BT on the same call that I activated the card. Next AOR, I'm gonna wait a few weeks before raising people's suspicions...

9/3/08 - Closed the I Fly America Juniper card and moved the CL to Bank Atlantic. Took about 2 mins on the number provided by others to the credit dept. CSR was really nice, and said it would happen within 24 hours.

Whats the best way to get money from Associated Bank (Juniper)? Ask for convenience checks? Also, US Bank online allowed me to ask for convenience checks. Only it didn't tell me the rate. I wonder if it will be the 0%. Discover is sending me checks. WAMU I asked to send a check to my car loan. Citi, I am still waiting for reallocation.

Rorer714 said:PoisnBGood said:Whats the best way to get money from Associated Bank (Juniper)?
Associated Bank (Citi) you can ask for a check made out to you online. Arrives in 7 - 10 days.

Damn, I knew that... I meant Bank Atlantic. Hahah, Im getting all these cards mixed up.

Hmm, so they don't give BT checks like they do with personal? Bummer. Ya, I knew it wasn't in Mike's thread before I dared to ask. Haha. I'll have to do this with Citi since my BOA has a fee.

How concerned are you about risk? Reason being, I just noticed, you're not going to 89% on BOA NEA card....8/25/08 - Activated BOA NEA card, taken directly to CSR who offered to give me a BT direct deposited to my checking account. Real nice of her. I asked for $7,000 but she said that I should do more since the fee is the same... Haha, what the heck. I asked for $10,000. I know I'm breaking the 50% util rule, but I figured this way, I can do another BT over to BOA from a card that doesn't offer checks and bring it below 50% before anyone does a financial review on me.The 50% rule is for OVERALL PERSONAL UTILIZATION (see below)

            C.Line    BT Balance
card 1      10000       00000
card 2      10000       00000
card 3      10000       07000(70%)
card 4      20000       17999(89%)
total       50000       24999(49%)

Glad to help... the 50% you were using is a variation from the standard technique as quoted from DaveHanson:Partial utilization/"Rollling maximization" strategies. The standard technique simply maxes out a credit line, and pays off the minimum each month after. This variation uses only a fraction of the line--generally 50% or less--OR pays off the FULL balance before the close of each billing cycle, only to draw it up again immediately after the cycle closes. The main reason for this variation it to keep one's credit score from tanking (it will ALWAYS drop, and often significantly, if one has a line report to the credit bureaus showing more than 50% of their available balance being used), and/or to keep a lender from getting nervous about "high risk activities."The standard technique from the same thread

PoisnBGood said:So my (jackcrawfish modified) plan is:

• BT from Bank Altantic (Juniper) to Citi
  
• BT from Discover to Citi
  
• Wait until Citi consolidates my 3 CL into the biz card ($48,000 total)
  
• Get a check from Citi online (Bank Atlantic cr bal + Discover cr bal + 47,950 Citi available for BT credit line)

• BT from US Bank to CHECKING (you can call them and tell them to send check to savings/checking - I told them there was a line of credit tied to my checking that needed to be paid off)

Well, here is something interesting...
Called 3x, haven't been able to reallocate Dividend MC CL to Associated or CitiBiz
Called 2x, haven't been able to consolidate Associated or CitiBiz

BUT...
On my last call, I was told that some cards weren't compatible with others as being the reason I can't do anything. The CSR said the cards I have that are compatible are the 2 Dividend cards (MC and AMEX). NOW, I was under the impression that the AMEX is untouchable...EVER! So I acted dumb and asked for the AMEX to be consolidated into the MC. She said its done. I don't see it online yet. But she was pretty sure of herself and told me to shred my AMEX cards. Let's see how this goes down. I don't claim this will work for all, but it is interesting that she said the two can be combined. It doesn't even really help me at all.

In the mean time. I've called from the Associated CSR line, the MC CSR, and the biz CSR as well as others I've found in the threads. All have said that they put in a request, and the computer comes back saying they are incompatible. Anyone got a magic number I can try?

Smoovy said:Nice summary up front and really well documented thread. What is your current estimate of left over balance transfer money to invest?

It's gonna depend on if I can get the Associated Bank card and the Citi Dividend card CLs moved over to the Citi Biz card. As of now I plan to do:

If CL can be moved:
Discover Open Road - $20,000/$25,000
US Bank Visa - $20,000/$25,000
WAMU ESPN - $7,400/$7,500
BOA NEA Visa - $10,000/$15,000
Citi Biz - $48,000/$49,000
Discover Biz - $2,100/$5,000 (only purchase is 0%)
Juniper Biz - $7,400/$7,5000

Total - $114,900
I'm being aggressive with personal because I have other high CL cards that will make the overall utilization around 48%.

If I can't get the CL moved (very likely). Then this is the scenario.
Discover Open Road - $23,000/$25,000
US Bank Visa - $23,000/$25,000
WAMU ESPN - $7,400/$7,500
BOA NEA Visa - $10,000/$15,000
Associated Bank - $14,000/$15,000
Citi Biz - $9,000/$9,000
Discover Biz - $2,100/$5,000 (only purchase is 0%)
Juniper Biz - $7,400/$7,500

Total - $95,900

Again, personal Util will be around 49% as the increased BT amount is offset by the Associated Bank and Citi Dividend CL remaining on the personal side. It's about a $20,000 difference. I'm gonna call citi a few more times, but I don't think its the CSRs being unwilling. I think their system just won't allow the 3 cards right now, since that's the story I've been getting. No CSR is actually telling me no. They try to, and it comes back as denied.

Also, the AMEX to MC Dividend hasn't shown up for me online. I'm starting to think the CSR I talked to was just making things up to make me happy.

Edit: Oh and Advanta is still up in the air. If they approve me at some point. That will be another $10,500 added to both scenarios. I'll probably find out by the end of today.

Are you going to go over the standard 89% utilization for several personal cards? As I read the QS:

Balance Transfers

Personal

Credit Card	          BT        CL          Util
NEA Visa Card             $10,000   $15,000     67%
Associated Bank Visa      $14,000   $15,000     93%
Discover Open Road Card   $23,000   $25,000     92%
The Linux Fund Visa Card  $23,000   $25,000     92%
ESPN Total Access Visa    $7,400    $7,5000     99%

Credit Card	          BT        CL          Util
Advanta BusinessCard      $10,000   $11,000     91%
CitiBusiness MasterCard   $9,000    $9,000      100%
Discover Business Card    $2,160    $5,000      43% ( :confused; )
BankAtlantic BusinessCard $7,400    $7,500      99%

Just be careful... consider drawing a little less from personal and/or making payment to those personal BT's already in progress..