Pangloss1980 said:Discover does not currently offer a 0% BT on any biz card. AND they couldn't give me a new (personal) card without taking the CL from the existing card. Craptacular.

Depressingly low CL on the personal Chase card, considering another app before business closes - no one has weighed in on whether I should go for it or not. Thoughts?

I wouldn't push Chase as they are known for being tough with Adverse Action.

Can you elaborate on the Discover issue? I wonder if they would have let you consolidate and reallocate from Biz back to Personal to take advantage of a BT. I am actually going to try this with my AOR 2.0. Gonna see if I can close my business line and see if I can get my limit moved back to my personal Miles card.

Pangloss1980 said:Update on Wells Fargo:

I think these guys are showing themselves to be not worthwhile for anyone. The fee is $0 for first 30 days, so I guess I'll BT $3k just so I'm actually using it and maybe they'll give me a real offer for 3.0; but given that it seems there may be a premium these days on minimizing inquiries, I think WF can be added to the "ignore" list, no matter what your relationships is with them.

I had a Wells fargo checking account and got two WF credit cards, one with 6 mos 0% and the other 9 mos. Both had a $15.5K CL. I considered that worthwhile. HHI $138K.

Regarding Wells, I guess two years ago, I got a $9k limit from WF. My income was lower (but totally legit), my checking account was longstanding but zero balance, and I had a lot of inquiries. It was a pretty good credit line for the time. I got a small CL about 10 months later. And about 6 months after that the card was closed for inactivity .

Could be general tightening, could be bad luck.

I don't think a $45k balance (especially brokerage, where they make no money) would really qualify you as a big slinger in their eyes.

Some time-line info possibly useful for those who are thinking of running their own A0R:

I started my apps at about 10 am EST on a Tuesday (yesterday), going with the old conventional wisdom that it will take them less time to go through your stuff once the weekend apps have been cleared, and starting early so all the pulls happen at the same time. (I can't speak to the merits of the strategy, just following advice from others on that.)

This was 2.0 for me, and I had many more instant approvals than last time: Advanta was instant but didn't give a figure, Citi personal was instant (and large), WF was instant (and small), USBank was instant (and medium. Wait, does this make me goldilocks? Shit...). Chase I had to check on, but 30 minutes or so after I applied they told me my personal was approved (for small limit). Discover Biz called _me_ because I evidently failed to check any boxes about having checking or savings accounts - this happened with an hour of my app. Through that call I got my Discover personal opened, don't know how long it would have taken otherwise. CitiBiz e-mailed me this morning (22 hours after app) with my $7500 new line (it's my first biz card, so whatever, not great but then my biz stats weren't awe-inspiring). I have not called any issuers for my applications with them that haven't been responded to because, as stated above, I look better on paper than I do after even minimal probing.

That's all info I have 28 hours after launch. I have credit report and score monitoring from myF1CO, and didn't hear anything, and since I didn't get any rejections I haven't known how to check who's been talking to which bureau and when...

xCarsonx said:This is a dumb question I know, but last year I applied for the BOA PlatPlus Card. Did the BT. Now its just sitting there. Can I apply for the card again? I would like to because the trems are so good. Should I call and get it converted into another card and then apply for it? Thanks.
General questions like this should probably go to one of the general threads, like SIS's main A0R thread
PMs to some of our more generous members may also work, but you'll generally find them more inclined to respond if you've given something to the FW community - by documenting your own results, experiences, etc. Also, phrase the question like this: "I have a nice card already from issuer X, but the best offer they seem to have available to new card-holders is for the same card I already have. Is there any rule of thumb for whether you can get two of the same card from the same issuer? Is [issuer X] any different?

/lecture
My answer is: I'm pretty sure at least some lenders allow duplicates of some cards; but I don't know how widespread this is, and I don't know about BoA in particular. You could pose the question in a thread dedicated to the issuer or to the card itself if you wanted.

Update 86 hours after A0R 2.0:

Last night myFICO finally registered all these inquiries - my score (EQ) dropped 22 points.

10 minutes ago Barclay's (personal) finally made up their mind on me - rejected because of the number of recent inquiries (they used TU). I'll check TU to see how many have been asking about me in a bit, but it's time to enjoy some Minnesota camping! I'm now assuming a rejection or worthless card from Nat'l City personal, and am not optimistic about any of the business lines I haven't heard from - hopefully Chase comes through with at least one, I really like those terms. (And does Chase do personal->biz reallocation? Ftm, does anyone?)

Chase has fairly slow response time (full two weeks sometimes), so there's still hope. And yes, personal -> biz reallocation is easy unless you get on their "credit ninja blacklist".

Franklinton? Sounds sketchy. If it's not a russian ID theft ring, then I'd vote Nat City, they're based in Ohio.

Updates, again for those looking for a timeline for when they do their own A0Rs:

5 days after A0R my score took another small dip, (down 7 to 747) because two new accounts were added to my report. I'm wondering if this is showing that I've miss-played this a bit - both new accounts (Discover and BoA) replaced old ones (only way for me to get the line I wanted with the 0% card)... did I just shorten my credit history?

And today, 7 days after A0R, Chase calls to tell me I can only have two of the three cards I asked for. I didn't receive the call, but as it stands I have the crap-limit personal and a nice-terms (15mo 0%) small limit biz for 9k (that was a new approval today). Transferring from personal to biz for both Chase and Citi is obviously my dream here now, especially since almost all my personal from all issuers except AM3X is available for 0% BT... Figuring out how to play those reall phone calls, and how to prioritize them, is my biggest concern at the moment.

Credit non-ninja #1 from Chase tells me no personal to biz reall. I'll try again when I've got the new biz card in hand.