Why'd you sit on an application for 2 months, and not followup on it sooner? Or did this not about the application itself, and more just theorizing about the potential lawsuit proceeds?

When you say only one bus card--does that include non Citi Cards that are issued by Citi--such as Associated or ATT?

althes said:Citi only allows one card per business so you can't have 2 citi aa bus mc.
But you can have a mc and visa.

Jack,

Do you happen to have the number to Barclays credit department you used to move credit lines?

TIA

Updates:

Thanks for the interest. I have nothing very exciting to report. (yawn) Here 'goes:

I've been making 2x minimum payments for about 5 months now with no adverse action from anyone.

$100,000 is in a 5% CD with Ebank until April while the rest is in 5.01% reward checking with Pleasant Hill bank of MO.

I still have an untapped BT with a 10k Citi business card (I've only tried twice unsuccessfully to consolidate a 32k CASH Returns credit line).

My BOA Pet rewards expires on Feb 1, 2009 (the only 6 month card I have). I'm considering rolling the balance into a BOA Plat Plus. The only thing holding me back is my dilemma related to refinancing a mortgage - I may payoff my personal cards early so as to enable a clean mortgage refi application.

I had a couple of Barclays inquiries show up on 11/7 and 11/8. They were at TU and they were related to an earlier post wherein they sent a adverse action letters past the 30 window required by federal law. I never disputed the inquiries (too lazy).

On the bonuses front, Cardoffers sent me checks for Discover and a CHASE card. I also opened & received bonuses from CHASE ($125) and WAMU ($100) for checking accounts.

My now-cancelled-TrueCredit FAKOs as of 1/17/09 were 724, 697 & 741 for TU, EX and EQ (down from 780, 750 & 792).

Other than that, I don't have much new to report...

Some members here advise to not pay anything over the minimum (keep all of the BT money for as long as possible)

Other members tend to pay just over the minimum to avoid looking like one who can barely make minimum payments (moderate risk aversion)

I am inclined to making 2x minimum only to hopefully curry favor for a future credit line increase (aggressive risk aversion).

My thought is, the more I demonstrate my ability to handle a higher payment amount, the more credit an issuer may be inclined to grant. Of course there are multiple factors involved in granting line increases (ie, income, bank policies, macroecon environment). I am managing a factor which I can control - payment size.

BOA Plat Plus
http://www.fatwallet.com/forums/finance/896013/m13383719/#m13383...

I applied, was approved, and sent DD to HYSA to the tune of $35,600.

What fun...

I also applied for another one of those ... ah-hem ... other cards without links.

jackcrawfish said:The BOA account shows online today with the $40,000 line. However, the type of card identified is not Platinum Plus:

Bank of America Gold MasterCard

FYI for others applying via telephone.

It looks like they sent you the wrong card? My account online shows "Bank of America Platinum Plus MasterCard" and the physical card says the same thing as well.

This reminds me of the issue that I had with Chase years ago where they kept sending me the wrong United Mileage Plus Visa four times in a row whenever I would receive the wrong one before they finally realized it!

downhillskier said:jackcrawfish said:The BOA account shows online today with the $40,000 line. However, the type of card identified is not Platinum Plus:

Bank of America Gold MasterCard

FYI for others applying via telephone.

The first time I applied for the Platinum Plus card, I got a Gold Card instead. This last time, I got an actual Platinum Plus card. Since the 0%/no fees were still applicable, I didn't care what kind of card I was sock-drawering. So, unless you have a reason to specifically want the Platinum card, I would just make sure the terms are what you wanted and not worry about it.With your comment, Downhill, I figured it out:

The card and APR pricing is dependant upon credit worthiness.

APR's

7.24	platinum card
10.24	gold card
12.24	standard card

Since I'm began a rolling arbitrage strategy with the BOA Platinum Plus application, my credit worthiness was more questionable. Hence, I received their Gold card price point - not platinum.

"Not sure if you all were aware but the State Farm credit card pulls all 3 bureaus when you apply."

Thx!
How fresh is this info? I applied October - was pulled only one CRA

did you have to call any of the credit bureaus to tell them to pick another credit bureau..