dmlavigne1 said:After the AA I experienced (and others) with AMEX, I am going to totally skip AMEX on my next AOR in a week or two. In the past HSBC has been very finiky with lines (giving $600 on 210K HHI on my wifes AOR). State farm and kroger have also denied others in the past for "excessive inqs"

------- I am thinking of not doing the AMEX blue business card due to all the bad AMEX stuff going on right now. that way i will be applying for 2 total AMEX cards... the plat busines card, and a personal blue cash card as well

downhillskier said:panasonictech said:
i saw that 5/3 card you posted, they are local to me and i might add this to my lineup. does anyone know what kind of credit lines they give out?

I got an initial $1500 credit line for a 5/3 business card, but I went to a local branch with a paystub and got it increased to $10k with no hassles.

thanks. what was your HHI and scores roughly?

downhillskier said:panasonictech said:downhillskier said:panasonictech said:
i saw that 5/3 card you posted, they are local to me and i might add this to my lineup. does anyone know what kind of credit lines they give out?

I got an initial $1500 credit line for a 5/3 business card, but I went to a local branch with a paystub and got it increased to $10k with no hassles.

thanks. what was your HHI and scores roughly?

Income 93k, scores 760-780 range (PM123).

thank you. i am going to apply for this card. if i get a low credit line, maybe i can deposit a few thousand dollars into my 5/3 checking account and then wait a few weeks and ask them to bump it like you mentioned. i will keep people posted.

my AOR is happening on monday

panasonictech said:anyone have an answer for this-

i currently have 2 Citi Cards, with a total of 20K in lines. (1 card is 15K, 1 card is 5K)

A) should i apply for both of these citi personal cards i have on my AOR list just for the sake of CLR? Say each new card offers me a 10K line... I could reallocate all 4 lines to one of the O% offers and have a 40K line on 1 card. I would then cancel 1 or 2 of the others then.

B) Alternatively, I could apply for just 1 of these citi personal lines... and then CLR my existing 20K to get the 0%. After typing this out, I think option #2 is better. MAybe then they will offer me a higher line if I apply to just 1 personal citi card.

any thoughts would be appreciated, thanks.I think you will be extremely lucky if you are able to reallocate anything between Citi accounts.

panasonictech said:An update--

my experian and Equifax are all updated and they show all my balances paid down.

however , the transunion is giving me a score of 771 and is showing that i have high balances to the limits on my accounts. (which btw prior to prepping for this AOR, I had 95% utilization on a chase card and about the same on a discover card bc i had low rates on both of them.)

Transunion says in Summary about me:

Given that you have an average credit score, it may be difficult for you to qualify for the best credit offers. Prepare yourself to pay higher fees and interest rates, as well as make deposits and down payments. If you are applying for a credit card, be prepared for the possibility of lower or no lines of credit and high interest rates. To increase your borrowing power, prove that you are creditworthy by always paying your bills on time.
-------------------------------------------------------

A) should I freeze my TU and continue with my AOR on Nov 10? everything else is all lined up, this is my only snag. would there be any adverse reactions or cards that wont approve me if i freeze TU? I would prefer them to pull eq or ex bc they are not showing I owe any balances. (which is true, but TU just hasnt updated yet)

B) should i wait a few more days and wait til TU cleans everything up for me?

Please note that I did dispute the balances on all three agencies on Nov 2, I guess TU is just slower to do it though. I checked and they have completed 2 of the 4 balanced i disputed on the dispute status update. ( i dont know exactly which 2 item it is)

any input from those more experienced with AOR is appreciated..... A- Freeze and go for it, or B- wait a few more days til TU is clearWait. You dont want to freeze TU, you WANT inquiries on TU (they can be bumped with free CreditKarma alone in about 2 months). You're better off freezing EXP, as that seems to be the report of choice these days, and forcing the inquiries to be spread between TU and EQ (TU can be bumped, EQ can be disputed).

Is there a way to get bofa cards with having Exp frozen? I did it last time and they refused to pull another CRA

Does anyone know if anyone has tried to freeze their experian in the middle of an AOR? Like, after a few applications, freeze it. Any thoughts on that?
Would there be any upside to it, or would it be too hard to time?

MY transunion has now updated, that's what I was waiting for. I will be launching my AOR tomorrow and will post results as they come in.

Citi Asscociateed card used to be 0 fee, it is showing as $75 capped now. Anyone have a link that will work with 0 fees?

Citi Drivers Edge, was 0 fee, now is 3% no cap. can anyone steer me to it with 0 fees? or should i accept that citi changed terms? any other comparable Citi Cards?

anything good for discover business? I cant find anything really worth it.

later today i am going to update all links and look for the above, if anyone can help it would be appreciated.

Greatly appreciated, thank you rawdeal

i am looking for anything good related to discover business.

also, the cit drivers edge card.

I will search more this evening. Thanks everyone. I am getting so anxious to do this tomorrow.

i just did all my apps. it took less than an hour for me to do.

the only instant approvals were the bank Atlantic business- 24K

the juniper i fly gave me 12,500K

Capital One business accepted me, but didn't tell me the credit limit

everything else was deferred for now.

i got outright rejected for us bank business that i added at the last second. i guess it wasn't on my list initially for a reason!
will update as i hear back from all issuers