BobbyRobert said:Pangloss1980 said: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.

I was able to do this about 2 weeks ago with no trouble, be sure to call the # on the biz card, not personal.
Thanks Bobby, I think I'll do just that as soon as I've got the card in hand. An interesting data point I'll put in the relevant threads: called on my new CitiBiz and had no problems moving 90% of an older, worthless personal line onto the biz card! I'll wait until next monday until I try it again with worthless personal line #2, per advice from FW. Very exciting that these CL are appearing to be transferrable within Citi!

Biz credit only shows on your personal report if you default, or, in the strange case of Bank Atlantic, if you close the card while it has a balance.

Businees credit CAN be monitored (commercial credit reports exist) but it's much less common. also, the particular lender (Chase, for instance) will still know you owe them a ton of money.

Pangloss1980 said:Thanks, mark, that's what I'd hoped. I know I've seen occassional AA popping up in a few A0R stories these days, but that hasn't ever been tied to excessive biz util, right?

A final q on the topic: I've seen some max the biz card BT (100%), some go 2% under, and others follow the old 89% rule. Is there a consensus opinion on how heavily used an individual biz card can be without setting off bells?

I've gone above 95 percent on four different accounts and kept them there until they organically reduced with no problems.

mark, note I was talking about business, not personal lines above. However, you may be right about 90 percent being a myth on the personal side. I have never let a statement print with more than 90% on the personal side.

Pangloss1980 said:Oy. So the success reported earlier for a Citi pers->biz reall was apparently premature. I called in after nothing appeared to have changed after 2 days and was told Home Rebate was an incompatible card. I then asked about my Driver's Edge card; one rep said yes, can do, but my phone blinked out mid-conversation; next rep said no, because the biz card had the 0% terms. Then I called to try to reall these cards to my new spiffy personal Citi AB card; no luck, because AB is separated from other units.

Any tips, or do I give up on Citi reall?It's very frustrating to consolidate and/or reallocate Citi cards. It seems to be mor difficult with my AOR2.0 this year than it was from last year's AOR1.0... Last year it probably took 3 calls to complete 1 successful reallocation (3:1 ratio)... this year I would put the ratio at 7:1...

if you have the time to wait on hold, etc... keep trying...

jackcrawfish said:Pangloss1980 said:Oy. So the success reported earlier for a Citi pers->biz reall was apparently premature. I called in after nothing appeared to have changed after 2 days and was told Home Rebate was an incompatible card. I then asked about my Driver's Edge card; one rep said yes, can do, but my phone blinked out mid-conversation; next rep said no, because the biz card had the 0% terms. Then I called to try to reall these cards to my new spiffy personal Citi AB card; no luck, because AB is separated from other units.

Any tips, or do I give up on Citi reall?It's very frustrating to consolidate and/or reallocate Citi cards. It seems to be mor difficult with my AOR2.0 this year than it was from last year's AOR1.0... Last year it probably took 3 calls to complete 1 successful reallocation (3:1 ratio)... this year I would put the ratio at 7:1...

if you have the time to wait on hold, etc... keep trying...

Also, on Jack's note: Citi reall is a pain in the ass, and know what you're getting in to when you start to try it, but I think there may be a method to the madness. Some reps have something firm in their head about reallocating - that is, they don't do it under any conditions you'd really want to. But the unsure ones who don't seem like they know what they're talking about will assume you know what's allowed better than they do and will try to make it work; the most important lesson, though, is just to know what things absolutely do not work (I think the only thing in this category is incompability between cards within Citi). So research your cards, know which ones might be a possibility and thus save yourself the 20 minutes on the phone that would be spent as a rookie researches to discover the incompatability; and when you call and reach someone who has the firm "No tasty realls" idea in their head, don't sweat it, and don't believe what they say about the impossibility of it; if it's a card-pairing that should work based on what you've heard here, just keep calling until it does. And, of course, come back here and report to us if you're trying and succeeding or failing with a card to card reall that you haven't seen posted here before.

Blatant abuse of my own A0R thread as I wait for checks to arrive, etc.:

Girlfriend (26, 792 FICO, 75k HHI [based largely on me], 1 or 2 inquiries for past 12 months depending on bureau) wants one (_maybe_ two) cards for a BT. Has a new, legit sole prop. biz (massage); my plan for her is to get one card to pay off a vicious high-rate student loan of $7.5k (non-accedited school, so stuck with the rate), and keep rolling that balance from one card to another annually; and my inclination was for her to do biz rather than personal, just so the balance remained hidden continuously and wouldn't affect future app success. She has small personal lines with a few issuers; and other larger student loans (at a more reasonable rate). If ye wise ones were to choose a single card (or two) for these purposes (where getting a line of ~$10k is ideal; consolidating from a $5k Chase card to help reach that goal is a possibility), your selection would be:

/end abuse
/start apology

VanceWade said:Associated bank
Bank of America platinum

Those seem to be the juiciest cards out there, but they both report to bureaus. She may need to roll the balance from one card to another next year, so I'd been thinking biz cards were the safer way to go - was the recommendation made after taking that into account, or did you miss that part of the question? Thanks for the help either way.

I have been hearing stories of Bank Atlantic reporting to personal now.

Sincere apologies for having failed to update this thread: a more comprehensive and up-to-date detail of progress thus far is forthcoming after a few deadlines. I'm hoping to poke at the FW wisdom tree one more time with a brief question:

Citi's AssBank checks still haven't arrived, and all they can tell me is that the request was "processed" on Sept. 5th. I've now used my other cards to the extent that my FICO is barely hanging above 700, and don't want to ask Citi for a specific check written out to me (curiously when I did this with CitiBiz I got both the specific check and blank checks about 10 days ago, at the same time) just in case they feel like soft-pulling on me and I get some tasty bits of AA. So do I taunt BoA by paying off that card before it closes in 5 days and then BT it to my checking again immediately after closing?