Glitch is tired of waiting - 2.0 in progress - still able to avoid unfreezing EXP

Bank Atlantic reallocated $21k from Nat Parks card to create new Biz account

Citi Approved Assoc Bank card for $15k after giving them EXP PIN.

Citi AMEX still pending after using EXP PIN.

Citi Biz wouldn't/couldn't use EXP PIN, said I have to unfreeze report.

EDIT: Using the typical Citi "if you dont get what you want, ask again" strategy, I called back. The second rep immediately said it was on hold because EXP was frozen and asked if I had a code to allow them access, before I mentioned anything about it. No instant approval, but the biz app is now in the processing stage.

BofA couldn't/wouldn't use EXP PIN, CSR says she "put in a request", I think to pull an alternate report (maybe to use the PIN), should be processed in 7-10 days. Dont know if that will work......

Chase still pending, giving them time to pull an alternate report.

Wachovia DENIED, too many new accounts opened in last 6-12 months.

Why not just get AMEX Credit Secure? It will give you an EXP score to compare to, and you can still get the score and report with a frozen EXP report.

Glitch99 said: BofA app is the only one that hasnt pulled. Will try to give them my EXP PIN tommorrow, as I think that's the cleanest report as of now I called, and over an hour of bouncing around and beign cut off, trying to find someone who could either use my PIN to access EXP or pull another report - SUCCESS!

I got this number - (866)227-1553. The CSR said my app was denied, and I should call the number on the letter I would be getting. I had to ask to speak to a credit analyst 3 times before she finally transfered me to one.

This gentleman was able to reactivate my denied app, pull Transunion since my EXP was frozen, establish the account by reallocating $24,400 existing limit, and submit a $22k BT request - all within less than 10 minutes.

Perhaps it was my continuous attempts to give them my access code for EXP (implying that I wasnt trying to hide anything) that prompted them to just pull TU, or maybe I just got lucky.

And the best part is that they pulled TU the day my previous 5 inquiries did their temporary disappearing act (has anyone figured out why this happens?). So it was a completely clean report to boot.

And my Citi Biz was approved for $8,000. Once I get the card, will try to reallocate $15k and $10k from existing Biz cards and $10k from Professional. Chase apps are 'in verification' per the CSR, and Citi AMEX status is still to be determined.

FYI - I was denied on my first attempt to reallocate between 2 US Bank cards, but on 2 separate threads here in FWF people reported it was possible. I'm going to try again, and again.

I'd start trying to consolidate the old biz lines first. Probably by calling the old card numbers to close/consolidate. Then I'd work on Associated, then Professional.

Kind of a progression of easiest to hardest. Also, if for some reason you get tired and stop, at least Assoc and Pro will still have 0% deals.

So my M&T Bank application that was instantly declined without so much as a credit pull, showed up in the mail today with a $15,000 limit. Guess "denied" doesnt necessarily mean denied.....

Seems US Bank/Elan BT rates are valid until the end of the month they expire in - my apps were Sept 5th, approvals Sept 8th, BTs requested Sept 15th, but the 0% are good until the end of March (6-month promo) and the last day of Sept (12-month promo).

Chase automated status line says I'm approved for a $18k line, dont know what app it is (the other two are still pending, but I suspect its the personal app as its the last one given).

I got a copy of EQ today - it only shows one inquiry from Schwab, while PM123 shows two. Also, the company name of each inquiry is different - "US Bancorp" on EQ but "USBK" on PM123, "Charles Schwab Bank NA" on EQ but only "C Schwab" on PM123. Not sure why PM123 is adding an extra inquiry or abbreviating the company names???

I'm throwing in the towel on Citi Reallocations. In numerous calls throughout the day, the response kept coming back that the 0% promo on the new account is blocking any and all attempts to consolidate.

I got from conversations with both a CSR and a supervisor (different calls) that they have a checklist they must go through, that includes checking for promos, before submitting a reallocation/consolidation request. If a CSR does submit it anyways, a supervisor must review it and also approve the request, and yet another person reviews/audits what the supervisor approves.

So even if you convince a supervisor to "look the other way", any request still has to slip by another someone that you dont get to talk to. So yes, each CSR's/Supervisor's has the ability to ignore policy and submit such a request anyways, but yet another approval is needed before it is processed - and the supervisor who submitted it then gets penalized for not following company policy. Some people may still get lucky, but I'm resigned to the fact that BTs from Citi will need to be taken in $15k chunks from here on out.

New plan - take an $8k BT on my Professional Card from last Oct (have until early Oct to take advantage of the 12-month 0%) and $15k on my new Biz account, and sit on the Assoc Bank until next fall when I may use it to roll over the balances for another 12 months.

Best I can tell, from the terms given by the auto-status line, is the Chase personal card approved for $5k, Biz Rebate approved for $18k, and Chevy Chase Biz approved for $15k.

Once the cards arrive, I'll reallocate $18k existing Biz card to the new Biz Rebate card, and $20k personal limit from Sony card - giving me a limit of $56k. Not sure if I should also move over the $15k Chevy Chase limit, or consolidate that with the other new $5k personal card and take a second BT. A single $76k limit (if I consolidate everything onto one card) scares me a bit; I'm afraid it'll be closed/suspended/reduced/require docs before I can draw on it. With $300k biz revenue and $80k personal income (and an inability/unwillingness to cleanly document it), should I be hesitant about creating a $76k limit?

I'm going to leave my Sony card open w/a $1k limit; up to now its been the card that keeps on giving, and I'm hoping it will continue producing "use me and get free money" offers in the future.

$15k from US Bank and $15k from M&T posted to my HELOC Friday (BTs requested on Monday). $22k from BofA was deposited into my checking Thursday (requested at the time of approval, 10 days prior). $20k from Bank Atlantic posted to BofA on Thursday (it was requested on Tuesday ). 2nd BT from BofA for $20k requested Friday, should see that in my checking account next Tues/Wed. Waiting for $8k BT check from Citi Professional. Waiting to pay off purchase (for 15k TYP) before requesting $15k BT check from Citi Biz.

DjPiLL said: Why not just get AMEX Credit Secure? It will give you an EXP score to compare to, and you can still get the score and report with a frozen EXP report.

Can anyone else confirm this? I recently froze exp to do hcli's across the board (40000 more from chase for 3 TU inqs) and AMEX credit secure does not work. The CSR's claim that since exp. is frozen they are unable to generate ANY reports. I am getting a "more info is needed, please call xxxx" message.

All accounts are in, and the cash-out is complete.

New balances:

Card:                Balance/Limit
Citi Professional     $8,000/$10,000     12 months/no BT fee (offer on card from 10/07 A0R)
US Bank PBR          $15,000/$18,000     12 months/no BT fee
Bank of America      $22,000/$24,400     12 months/no BT fee
Bank Atlantic Biz    $20,000/$21,000     15 months/$75 BT fee
Chase Rewards Biz    $71,800/$72,000     15 months/$99 BT fee
M&T Biz              $15,000/$15,000      6 months/no BT fee
Citi Plat Biz        $15,000/$15,000     12 months/no BT fee (havent drawn this, waiting to
                                                              coordinate the end date 
                                                              w/15-month Biz offers)

Total               $166,800/$175,400

Personal Total (3 cards)    $45,000/ $52,400  (86%)
Unused personal limits              $116,650*
Overall Pers Util.          $45,000/$169,050* (27%)
*Does NOT include $89,000 HELOC with zero balance, which may or may not contribute to utilization calculations

Promos/Bonuses     30,000 TYP ($300)
                   $30 cardselection.com
                   3%/5% rebate on Citi AMEX for 2 years

Biggest surprise was BofA clearing the $71,800 Chase welcome check the next day.... The cash was transfered to my HYSA before it even posted to the Chase card.

Now if I could only get a capped-fee offer on any of my three BofA Biz cards ($61,750 combined limit).....

Glitch99 said: Now if I could only get a capped-fee offer on any of my three BofA Biz cards ($61,750 combined limit).....The PM I sent you on 8/29 has a round about way of doing this.

The terms on my Disc Biz card promo that is expiring soon is "through the billing date in November" which would be the 20th. About a year ago I paid off a .9% promo on another Disc card, and was not charged any finance charges for the time between the previous statement and the payment date.

Can anyone confirm recently that this is still the case - the promo may end as of the statement date 11/20, but no finance charges will be assessed if paid off in full by that statement's due date in mid-december?

Got notices today that Chase "slashed" my personal limits. I put "slashed" in quotation marks because the 3 cards were reduced from $1,000 to $500, from $1,000 to $500, and from $5,000 to $500, so it is far from drastic. As of now, my $72,000 biz line ($70,400 balance) remains untouched.

Glitch99 said: 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).
Glitch, where'd you get your HELOC?

good data point on the Citi A/A...thanks

Glitch99 said: 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.
lol, i read "Cited" as "Citi"...sorry, it was late!

did you really sustain zero hards on EX? were you watching your softs during the AOR to see if they came and went, or...?

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.

jackcrawfish said: 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 hereThere is also an active thread here.

Glitch99 said: 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.Check that. After calling today to find out where my new card was (its been over 2 weeks since being approved), I find out I've been 'un-approved' after a secondary review.

Need to fax in statements supporting my cash assets to be reconsidered, which I just did - fyi, statements from 8 rewards checking accounts is alot of faxing. Hopefully that will be sufficient.

But in the process I did get a direct direct number, that avoids automated menus and goes straight to the credit department (a person will answer). 866-530-9825.

chocula said: long thread
wtf? get lost then.

Glitch99 said: Glitch99 said: 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.Check that. After calling today to find out where my new card was (its been over 2 weeks since being approved), I find out I've been 'un-approved' after a secondary review.

Need to fax in statements supporting my cash assets to be reconsidered, which I just did - fyi, statements from 8 rewards checking accounts is alot of faxing. Hopefully that will be sufficient.

But in the process I did get a direct direct number, that avoids automated menus and goes straight to the credit department (a person will answer). 866-530-9825.
good info....hope it works out. update the CC issuer FAQ thread if you get a chance; i know i still use it!