Rorer714 said:What about a Citi Cash Returns card. You can kill them on the 5% (Cash Back) for three months.1)When I applied back in the spring, they insisted on pulling EXP; I didnt let them so it was denied. As Citi has otherwise pulled EQ for me, I'm hoping that was a fluke for that card only and the other cards will accept my EQ report.

2)I decided I can make better use of 3% for a year than 5% for 3 months. I'll have large balances on my report when the promo expires, so I wont be able to get a replacement card (or reapply for another CashReturns).

3)Some have reported issues with the account being closed, and since this will coincide with A0R balances and new accounts I dont want to risk running up $XXX,000 in purchases only to loose the rewards when Citi gets spooked. Esp via GCO, where I'd be stuck eating the 2% fee.

If the AMEX card is denied for whatever reason, I'll throw in the CashReturns as a second choice.

Glitch99 said:Rorer714 said:What about a Citi Cash Returns card. You can kill them on the 5% (Cash Back) for three months.1)When I applied back in the spring, they insisted on pulling EXP; I didnt let them so it was denied. As Citi has otherwise pulled EQ for me, I'm hoping that was a fluke for that card only and the other cards will accept my EQ report.

2)I decided I can make better use of 3% for a year than 5% for 3 months. I'll have large balances on my report when the promo expires, so I wont be able to get a replacement card (or reapply for another CashReturns).

3)Some have reported issues with the account being closed, and since this will coincide with A0R balances and new accounts I dont want to risk running up $XXX,000 in purchases only to loose the rewards when Citi gets spooked. Esp via GCO, where I'd be stuck eating the 2% fee.

If the AMEX card is denied for whatever reason, I'll throw in the CashReturns as a second choice.

Citi seems to have switched to exclusively pulling EX. In the past, they have always pulled TU for me (as late as this past April), but they have started pulling EX in the past few months. I've seen reports of them switching to EX for other cards as well. So, if you don't want them to pull EX, then you may need to avoid Citi altogether.

Also, as a datapoint, I have high balances (~$95K) from a couple of mini-AORs (6-8 apps each) and rolling thunder applications, but I've gotten approved for two CashReturns cards so far - one in April, another in July. When I applied for the second one, I was up to 22 open cards less than 12 months old.

downhillskier said:Citi seems to have switched to exclusively pulling EX.

My experience is contrary. Citi pulled EX like crazy for everyone at my address in January and March, 2008. With DW's EX frozen, they pulled TU twice, in June and again in August, without a peep.

Glitch99 said:Called Citi to consolidate PremierPass Biz ($10k limit) into CitiBiz Plat Select ($15k limit). CSR said only $8k could be reallocated, submitted the request, should see online within a day or two. Will call back to close the PP card once it processes, as a annual fee will be charged in a month, and will try to consolidate the remaining $2k limit at that time.It didnt process, and when i called today the CSR said it was because the Plat Select card (the 'target') has an open 0% offer. It didnt matter that the PremierPass has an identical 0% offer as well. If I wait until the 0% officially expires next month, it should consolidate without issue. Unfortunately I cant do that, as the PP will charge its annual fee around that same time.

As the CSR seem rather efficient, I told her to convert the PP to a generic Biz account with no annual fee. She said I should get the new card within a week. Once I do, I will call back to attempt consolidating again.

Will US Bank reallocate? Do they even allow multiple accounts?

US bank allows multiple accounts. I have 1 (US Bank Baylor) from last year and was just approved for the US Bank Linux.
I'm still trying to find out whether they allow reallocation/consolidation.

A bit off topic, but might be of interest: I closed my 2 y.o dormant Advanta in hope of reapplying and getting the 15 month promo BT. Time between closing & reapplying is approx 5 days. It was approved, but to my surprise got a lot lower CL (had 20k, was approved with only 2.5k). When I activate I will see if I can talk them into raising the CL.

Pat212 said:jakeru said:Glitch99 said:And I churned about $200k worth of GCO purchases last winter using cards from many different issuers, so if I'll ever look like a profitable customer it's now.*gasp!* And makes sense to me! Good luck.

Is there any additional info on this? Search didn't come up with anything.Google Checkout - had a fee-free processing promo until last February (now its 2%).

Glitch99 said:Glitch99 said:Called Citi to consolidate PremierPass Biz ($10k limit) into CitiBiz Plat Select ($15k limit). CSR said only $8k could be reallocated, submitted the request, should see online within a day or two. Will call back to close the PP card once it processes, as a annual fee will be charged in a month, and will try to consolidate the remaining $2k limit at that time.It didnt process, and when i called today the CSR said it was because the Plat Select card (the 'target') has an open 0% offer. It didnt matter that the PremierPass has an identical 0% offer as well. If I wait until the 0% officially expires next month, it should consolidate without issue. Unfortunately I cant do that, as the PP will charge its annual fee around that same time.

As the CSR seem rather efficient, I told her to convert the PP to a generic Biz account with no annual fee. She said I should get the new card within a week. Once I do, I will call back to attempt consolidating again.

Yeah, it took me about 5 calls to 5 different CSRs before I could consolidate my Biz premierpass to Biz Plat Select, but it eventually worked. The first four CSRs had Indian accents and the one that finally did it was American. Each kept me on hold for fifteen minutes or so trying to do the consolidation. If I had to do it again, I would probably just hang up and call back until I got someone from a U.S. call center.

Don't do Discover or the M&T Bank business cards. Discover gives stingy credit lines and M&T wants bank and other statements to prove my long-standing business exists.

peteypablo said:downhillskier said:Citi seems to have switched to exclusively pulling EX.

My experience is contrary. Citi pulled EX like crazy for everyone at my address in January and March, 2008. With DW's EX frozen, they pulled TU twice, in June and again in August, without a peep.

Citi pulled EQ for me. Florida. I closed two cards with them and reallocated and then applied for a new card.

Glitch99 said:App#7; US Bank declined; kind of expected, will call and attempt to 'shift' existing $18k limit to establish new account.US Bank has weekend hours (800-947-1444), so I called this morning.

At first, CSR said I had been declined because "Experian says you (I) have no credit" (thanks to the freeze, which I didnt mention). Immediately pulled someone else (Equifax)and said "Hey, there you are".

She asked how much I wanted on the new card; I said I wanted to do a $15k BT, so $17-18k would be nice. She reduced my Baylor card from $18k to $2k, in order to allow for a new $18k card (net gain - $2k). Said it has to run through their 'verification department' first, but should be all set in 3-5 days.

I know I can do the same with BofA this weekend, but they tend to report new accounts really quickly so I'm going to wait until I get the other apps (namely Citi and Bank Atlantic) processing on Monday.