once youget the two barclay's cards, call their credit department (dig in jackcrawfish's thread) and try to reallocate most but not all of the personal limit to the biz one before maxing out.

In light on my AOR YESTERDAY... do I still have time to go for 25K free membership rewards points?

I logged into my AMEX account and they now have me pre approved for a "Earn 25,000 Membership Rewards® points when you apply for the Rewards Plus Gold Card from American Express"

Should I apply for this card at this point? Or just leave it be. I have my personal AMEX blue card, and i now have the business platinum. I wouldn't mind an extra 25K rewards points though. (for this Gold card the annual fee is waived first yr, so i would get my 25K points and cancel within the yr, if not much sooner)

Called up Bof A to check on the application, the lady told me they cannot pull another CR after the initial one is frozen.

Same thing goes for citi business ( and i assume citi personal )

Maybe I will try again this weekend, anyone have luck calling in several times?

or should i just take the inquiries and unfreeze it for a day and them have them pull it?

About the 5/3 business credit card.... i applied online www.53business.com. i called in to check on it, and they have no record of t at all. the person i talked to was real nice and said that it was the second time he had heard of that online. he was familiar with just in person and on the telephone apps.

just thought i would put the word out, so any online application you put in online for fifth third bank might not go though. thye had no record of mine, so i applied over the phone. 0/0 1 yr

pyro123 said:Suntrust takes forever to respond and later denied me.

That's one data point. Here's another one: approved for $15K, did 0% for 12 mo, closed it since only 1 is allowed, approved for $15K again.

panasonictech said:update-

received chase Disney card today with a check enclosed.

also received bank Atlantic business card as well as the juniper i fly card. -- question, i have read that you cannot DD with barclay, so to BT to another card. Does it make any difference or not if the card I make the BT to has a balance or not?

i received paperwork from Capital One, so my credit line with them for the business card is 5000.

what i really want is my experian PIN! waiting for that so the citi and BA apps can go through. I froze it on the 9th, so it has been 11 days. in retrospect i wish i never had frozen my experian, the one card that wanted experian so far was AMEX business platinum, who later pulled TU when i called in about it. that would have been the only inq from the rest of the bunch excluding citi and BofA.

I don't think you can correctly assume that only Citi, BOA and AMEX would have pulled it without the freeze. My experience is that the freeze will automatically divert some of the issuers to other CRAs. For me, that's a big issue, since 80% of the inquiries went on Experian in my first AOR. Second time around, only one hit Experian after I lifted the freeze, and one other might if I pushed it.

Glitch99 said:You get your PIN immediately on the confirmation page after requesting the freeze. BofA credit analysts can pull an alternative report, and (atleast for me) Citi pulled TU after I tried giving them my Exp PIN.

i have overlooked that i had the experian pin the whole time. i was careless and had a messy desktop. you can never be organized enough with this stuff. i unfroze. i called citi and they are now processing my app. I called citi business and ditto. Called BofA and they wanted me to submit another application, but i said i would prefer not to since its a 0/0 offer. They said to call back but it should be looked at tomorrow ( friday). I am probably going to BofA tomorrow in person to apply for a business card.
LESSON LEARNED- BE ORGANIZED

thank you glitch i thought i didn't have it but i looked for the third time after your advice. once again your info was fantastic

DrSues02 said:I assumed you had to wait for your EXP PIN # in the mail? Is it possible to get back to the confirmation page to retrieve the PIN?

Looking at their website, it seems like you can Request a free Personal Identification Number. Will that override the one they are already sending me? Does it give it to you immediately or would I have to wait on the mail again?

from my understanding there is 1 pin assigned when you freeze it, that pin stays valid until the freeze is completely removed.

when i froze it to begin with, they do give you the PIN at the confirmation screen. I saved that confirmation screen, but then forgot that i saved it. so i was sitting here for a week waiting and waiting on something i already had!

i tried requesting thru the website, but when i submitted it, the screen popped up telling me i had to MAIL IN the request, along with a copy of drivers license and soc security card. i actually did that last friday. last night i realized after glitch repeated the fact that the pin is given on the confirmation screen immediately after freezing.

panasonictech said:Called BofA and they wanted me to submit another application, but i said i would prefer not to since its a 0/0 offer. They said to call back but it should be looked at tomorrow ( friday). Call again, ask to speak with a credit analyst to have your application reconsidered/reactivated. No matter what the initial CSR says, keep repeating "Thanks, but I'd really rather just speak with a credit analyst and take care of this this right now". Once you get through to that person, you'll be all set.