akbrush said:The Chase Bus. cards now say in the pricing and terms:

"3% of the amount of each transaction, but not less than $5.00."

I think I read that this is new, but wanted to check with Glitch to make sure his pricing and terms stated the $75 or $99 cap. Thanks in advanceYup - $99 cap on my $71,800 BT. Thankfully I submitted the application right before the change.

I unfroze my EXP for a week, to open a new checking account (yes, I could keep it frozen and avoid all the credit card hard pulls, but had to unfreeze for a single bank soft-pull....). Although I was kinda curious as to how my EXP score relates to the others, and my PM123 year is expiring soon.

     #Accts/Open   Balances   Inq     Score
EXP      40/25     $45,000     18      717
EQ       39/25     $45,000     4       739
TU       39/24     $45,000     6       741

Surprisingly consistant, and nice to see since my EXP fell to the 659 mark immediately following 1.0 last October.

Got notice today that my $9750 Hooters Mastercard has been closed. Cited that I "have opened an excessive number of revolving credit accounts recently". I have 5 new accounts reporting from the past 6 months.

I've only used the card for the $1 small balance credit each month, so I'm almost too embarrassed to call in a request the closure be reconsidered. With the loss of the $9750 line, overall utilization rises from 27% to 29%, or 39% to 40% if including my HELOC (currently at 56% utilization - I have $50k of 3.49% HELOC cash stashed in 6% Rewards Checking accounts).

solarUS said:Glitch, where'd you get your HELOC?

good data point on the Citi A/A...thanksBofA, Prime-.75%. What Citi A/A?

I've since opened a couple more 5%+ checking accounts and no have the HELOC maxed out, paying it down to 79% just prior to the reporting date each month, then redrawing. Not sure if managing the utilization helps my score or not.

And for another update, I drew $13k from my $15k Associated Bank card in early January. I was saving the promo for next fall, but got spooked that they'd slash the limit or close the account entirely before then. Had no issue getting the BT check; requested online and got it a week later.

solarUS said:did you really sustain zero hards on EX? were you watching your softs during the AOR to see if they came and went, or...?Yes, no inquiries on EX this time around. Everyone pulled alternates. There continues to be the occasional soft inquiry for account reviews, but none around the time of the applications.

Glitch99 said:As first reported here, my Discover Biz from 10/08 A0R has appeared on my credit reports. It has a zero balance, $22,500 limit, and is 15 months old. Since I have little use for the card anyways (aside from a $1.99 small balance credit each month), it just replaces the Chase and Hooters limits I lost in November and boosts my overall utilization percentage.Very interesting. I just discovered the same with a $1.87 charge to my Discover More card.

You also reported that Chase offers a 0.99 small balance credit.

There is also an archived thread here

Approved for the Schwab 2% CashBack card, $5,000 limit.

Took 55 minutes to get around my frozen EXP report. Ended up getting a number - 866-724-9222 - for a Schwab-specific analyst who could help me (FIA reps were less than helpful), and she was able to pull TU. My TU score via creditkarma is 750, which I'd estmate to be a FICO of about 700. TU credit report shows no inquiries and $110,000 balances (which includes $70k on my HELOC), but I also have $200k cash in the bank. The analyst did ask some basic asset/income questions before approving the account.

Didnt think I would be approved. But now I have a good alternative for anywhere my 3% Citi AMEX isnt accepted.

Glitch99 said:Its time to get started on round two. I may be shooting my wad a bit prematurely, as my last A0R was last October, but all inquiries are bumped, EXP is frozen (so getting approvals may take some time if I have to unfreeze it for anyone) and no inquiries will fall off in the next month anyways, and frankly I need something new to distract me right now.

My only concern is that I have 8 accounts that are 11 months old, so I might get flagged as having too many new accounts.

As before, I own a legit, operating C-Corp and will be applying for Biz cards under the corporate name/TaxID.

Household Income - $80,000
Business Revenue - $300,000

Credit Scores via PrivacyMatters-123:
TU: 750
EQ: 766
EXP: unknown (EXP frozen so PM123 cant update it, last score was 668 back in April. I'd ballpark it at 690-700 right now)

Scores include reported balances totaling $55,000, which will be paid off before applications are submitted.

No inquiries on TU or EQ, EXP will show about 20 (the most recent 7 being 11 months old) if someone insists on pulling it.

Goal is to pay HELOC back down to $0 (from $60k), and acquire $50-$75k cash between personal and biz accounts to put into savings accounts/CDs.

Existing Open Accounts (includes both personal accounts and corporate accounts):

Card                 Limit      Date Opened
AMEX Blue Cash       $20,000    8/03
AMEX Blue            $ 7,000    8/03 (per credit report)
Bank of America Plat $24,400    10/07
Bank of America Plat $ 1,000    9/03
Bank of America AAA  $   500    7/03
BofA Elite Rewards   $ 1,000    8/03
BofA Personal LOC    $10,500    8/03
Chase Disney         $ 1,000    10/06
Chase Sony           $21,000    10/07
Citi AT&T            $   500    10/07
Citi Professional    $10,000    10/07
Discover Card        $ 1,502    8/95
Hooters Card         $ 9,750    10/07
Juniper Nat Parks    $ 7,700    10/07     (increased to $22,900 via Bank Atlantic Biz reallocation)
Key Bank             $ 4,000    8/06
Key Bank Pers LOC    $10,000    9/03
Nat City Lifespring  $11,000    10/07
US Bank Baylor       $18,000    10/07
Wachovia             $ 5,000    2/07
(report is littered with misc closed accounts as well)
BIZ CARDS:
Advanta Biz          $12,500    
AMEX Blue Cash Biz   $ 5,000    
AMEX Plat Biz        $20,000    
Bank of America Biz  $20,000    
Bank of America Biz  $17,750    
Bank of America Biz  $24,000    
Bank Atlantic Biz    $15,200    (now closed, line moved to National Parks card)
Chase Biz Cash Rew   $ 1,000    
Chase GM Biz         $18,000    
Citizens Bank Biz    $ 5,000    
CitiBusiness         $15,000    
Citi PremierPass Biz $10,000    
Discover Biz         $22,500    
National City Biz    $ 9,000    
HSBC Biz             $ 5,000

Card                        Promo   Fee   Perks
Wachovia Biz (over phone)   0/12    none
Bank Atlantic Biz           0/15    $75
Chase Biz Rebate            0/12    $99   $40 via cardselection.com
CitiBusiness                0/12    none  15,000 TYPs
Citi Associated Bank        0/12    none
Citi Amex                                 15,000 TYPs, 3%/5% rewards for 2 years
US Bank ProBull             0/12    none
Bank of America Platinum    0/12    none
Chevy Chase Biz             0/12    $75
Chase Platinum              0/12    $75   $25 via cardselection.com
Citi AT&T Biz               0/12    $99
M&T Bank Biz                0/6     none
HSBC Biz                    0/6     none
National City Biz           0/6     none
Wachovia                    0/12    $75

Juniper I Fly               0/12    $50    $15 w/purchase
Eastern Bank Biz (Barclays) 0/12    $75
Discover More               0/12    $75    free digital camera
Cambridge Trust Biz         0/6     none
UPS Store Biz (Chase)       0/12    $75

Updated so that I did not offend and hurt solarus' feelings.

solarUS said:chocula said:long thread
wtf? get lost then.

Take it easy Mary.

fwgonehobo said:Btw, AOR is soft loan, guys. If you are still new and haven't figure it out since a couple of years on FW and destroyed several of my nicks.
Hey Glitch, with this economy how are you going to make a profit past that fees and interest rate? H n B?Huh?