tim1 said:In my AOR Here Both Citi and barclays/bank alantic closed all cards within a month of the AOR due to "too many new accounts", "too much new credit". Be sure to take the BT's quick before they close the accounts.

and only one discover card.. they did not process the 2nd "duplicate app"

This is one of the reasons why I may take it easy on my AOR2.0. I am probably only going to go after the majors (BoA, Citi, Chase, Barclays).

Maybe I won't get as much available credit, but I will limit my adverse action. Citi already closed all my accounts once. And I have an exceptionally high line currently with Chase (71k) and Barclays (42k). I don't want to lose these as well.

I plan on using Rewards 6% checking accounts to park money so I offset some of the hit I am taking by going "easy".

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got a letter from national city today. they said they denied my request for the quilters card because i've had too many new accounts opened in the last 12 months and because I already have a personal credit card with National City.

DjPiLL said:Squeezer99 said:got a letter from national city today. they said they denied my request for the quilters card because i've had too many new accounts opened in the last 12 months and because I already have a personal credit card with National City.


Why don't you call them and ask them to consolidate the existing personal card to the new card you tried to apply for?

great minds think alike

I consolidated my old BofA CC from my last AOR onto the new NEA card for a limit of $36500 and did a $18200 BT to my local bank's checking account that is linked to various online savings accounts. should have the money in there friday or monday the rep said.

Called national city and lady on the phone said that you can have more the one personal card with national city but its determined on overall credit worthyness and the main reason I was denied was the excessive new tradelines. However she let me close my old national city card with the $7500 limit and then approved me for the quilters reward card w/ $10,000 limit and she said in the welcome package will be a BT check I can make out to myself and deposit in my local bank's checking account.

Got a letter from Barclay's denying my I Fly America card. I called them up, spoke with a lady, who took a little bit more information from me and then approved me for $10000 and will be mailling the card out soon. I know from my last one that the welcome package comes with 1 BT check that can be deposited into checking.

called chase's automated line at 800-945-2006 and was appoved for the chase business card w/ a $10,000 limit

Good results and much helpful information on Advanta and Bank Atlantic.

I will try to mirror your results when I AOR 2.0 in about a month.

Did you have any issues with CLR with Citi to the associated bank card or have you tried? I have huge lines on the professional card that were CLR'd from the Diamond preferred card so if I have to CLR back to the diamond to the associated that would be fine.

Also how were the CLR's on juniper and US bank or have you tried yet?

I suspect it might be best to do exactly what Squeezer did, as opposed to having them remove you from system before applying. That way they know they have approved you in the past for a certain CL, and would more likely to approve you for more credit the second time around.

got a call from Advanta this morning and they left a voicemail. said it was about unusual activity on my account. called them back, the rep said was because of the BT but that they just needed my confirmation that i did request the BT. Called US Bank after getting the Linux card over the weekend. They don't do consolidations/reallocations, so I had them close my baylor card and submit my request for a CLI and I should hear something back from them in 10 days. Called back Peoples after getting a letter in the mail saying I was denied for "Unable to verify credit references as provided" Called them up and got transferred around a few times and then the rep asked me if I had applied for a lot of cards recently and if so, why. and I stated that I did, to take advantage of BT offers. She said ok, asked me a couple of questions (employer, income, etc) and then said OK that she would re-submit my app and I should hear back. So I guess Peoples/RBS is like National City in that they wait a couple of days after applying before pulling your report. They pulled Equifax according to their letter.

also my citi AT&T business rewards CC came in

DjPiLL said:Advanta always calls the day after to verify a large BT.

oh ok cool, thanks i didn't know that