teammjs said:To clarify, you got the Chase "1 card every 6 months" on the one business card you applied for? If so, this is interesting to me becuase I always thought Chase pretty much segregated their personal and business card departments for application and CL purposes.

Unless they are cracking down on the self-reported $0 net income/0 years in business sole proprieterships that worked last year on their business card applications, maybe it's worth using the single Chase application "bullet" for future AORs on the business end, since those aren't going to report on a personal credit report and thus less apt to start an AA chain?

I did do the 0/0 for the business app but got the same letter that I got on the other personal card. It appears they are lumping them the same. I chose the disney card for the BT money because I can CLR 35K from business and that is worth way more than the 25K miles.

Called and finished the Citi pro move today.

Called and BT'd the 53 platinum card which has to go to another card (Associated then another draw there). It will probably be my last time dealing with them because of the shady CS practices. I can not pay the card with an external account (great I have to figure out a way to push the payment from fidelity), the BT will show up in about 5 days but *may* take much longer for the creditor to receive it (exact words). Overall, with the payments and hassle for 4.9K not worth it.

NC Life springs is sending a check.

dm, could you please summarize which CLR's you were able to successfully transfer from personal to biz?

I've been trying for 18 months and haven't gotten a single issuer to agree.

Chase came in today and I can't CLR from business. Drat! 35K of line going unused...

solarUS said:dmlavigne1 said:Chase came in today and I can't CLR from business. Drat! 35K of line going unused...
why dont you, uh, take advantage of the purchase APR? you know, uh, creatively.

It's an old business card so I wanted to move the line. Even if I had a new card with the 0% purchase, it is hardly worth it considering I get at least 1.5% back on purchases.

Figure $100 purchase at start (if you purchase later your savings goes down)
Current interest of 4% and you make monthly payments and you have to subtract taxes from interest. Even at 1.5% I am banking $1.50 without the variance in interest rates.

I figured it out and with about 40% in taxes at 4%, I only make more than the 1.5% from 0-3 months (if it is gas or grocery I get more). Overall, it isn't worth my time and effort, although good thought.

nm

I presume the Chase restrictions are 1 personal and 1 business? I was going to get the Chase Disney & Chase Marriott (personal cards) and then a Chase Biz AMA/Chase Marriott Biz. Do you know if the Marriot cards are considered co-branded like the Citi Associated or ADA so I can go beyond the 1 app restriction?

Ok, I am debating on trying to bump the inq's. Has anyone had any success recently and how many services did you use? I already have credit secure. If I could b* tu and eq for 3 services in one month, I would go for it. My bumpage and choppage thread got out of hand and there is no recent data.

I bumped EQ last fall. I believe I had 3 daily EQ pullers, and then a couple random hits here and there. It took me probably just about one month to do it. I think the timing really depends on whether they are still purging multiple pulls every month. I think I lucked out in my timing.

You can check my AOR post to see the services I was using.

Looks like the game is changing, DSD just dropped to 2.65%. My HELOC is at 2.249%. I am going to open a Broadway account for 4.08% and when the FW effect hits it, at least I will clear 2.24% in floating the mortgage.

Really when I look at it, I had a 4.5% mortgage at the beginning of the year, so virtually the first 120K is returning 4.5%. With the rates dropping like a brick, I am in no hurry to do my wife's AOR.

Glitch99 said:dmlavigne1 said:Looks like the game is changing, DSD just dropped to 2.65%. My HELOC is at 2.249%. I am going to open a Broadway account for 4.08% and when the FW effect hits it, at least I will clear 2.24% in floating the mortgage.

Really when I look at it, I had a 4.5% mortgage at the beginning of the year, so virtually the first 120K is returning 4.5%. With the rates dropping like a brick, I am in no hurry to do my wife's AOR.Why not 5% Rewards Checking accounts?

Because with ~250K, I need about 5 which is 5 DD, 50-60 debit card purchases a month, one 5 logins etc. Kudos for the people that mess with it, but its not for me.