I want to jump on a "mini" AOR immediately. I'm looking for around $20,000 in cash at 0% interest of course.

My current credit score is roaming between 710-730 with the 3 agencies.
HHI - 85k
3 inquiries in last 12 months
Credit age 3 yrs 7 months
I carry a balance on 45% of my revolving accounts
My largest CL is chase at $11,000, second larges is Discover at $8,500

Questions :

1) US bank has the best offer right now with a 0% transfer fee if done with the application. Anyone familiar enough with this offer know if I will be approved with my current credit score/situation?

2) Can I apply for all three cards offered by US Bank with the same deal : the Visa Platinum, Visa Signature, and Select Rewards Visa Platinum card? Or is this just rediculous?

3) From everything I've heard and read the best strategy is to balance transfer to my citi premier pass card and ask for a refund for my overpayment. How would US Bank look at this balance transfer when they have my credit report in front of them during the app process and realize I obviouslly have no balance on citi bank card, or is this irrevelant and they don't look at that?

Sorry for all the questions, i've read links for hours upon hours and can't find answers to my specific questions. I really want to jump on this immediately. Thanks in advance!

I linked the Credit Card offers i'm looking at from US bank below. Hope I did it correctly!

US Bank Linux

monopolymoney said:I want to jump on a "mini" AOR immediately. I'm looking for around $20,000 in cash at 0% interest of course.

My current credit score is roaming between 710-730 with the 3 agencies.
HHI - 85k
3 inquiries in last 12 months
Credit age 3 yrs 7 months
I carry a balance on 45% of my revolving accounts
My largest CL is chase at $11,000, second larges is Discover at $8,500

Questions :

1) US bank has the best offer right now with a 0% transfer fee if done with the application. Anyone familiar enough with this offer know if I will be approved with my current credit score/situation?

2) Can I apply for all three cards offered by US Bank with the same deal : the Visa Platinum, Visa Signature, and Select Rewards Visa Platinum card? Or is this just rediculous?

3) From everything I've heard and read the best strategy is to balance transfer to my citi premier pass card and ask for a refund for my overpayment. How would US Bank look at this balance transfer when they have my credit report in front of them during the app process and realize I obviouslly have no balance on citi bank card, or is this irrevelant and they don't look at that?

Sorry for all the questions, i've read links for hours upon hours and can't find answers to my specific questions. I really want to jump on this immediately. Thanks in advance!

I linked the Credit Card offers i'm looking at from US bank below. Hope I did it correctly!


US Bank Linux45% utilization is only 50% of the picture. What the total outstanding balance amount? That will be just as important.

Is your 'scores' via a service, or FICO? Cause a 710 from PM123 would only be in the neighborhood of 660-680 FICO.

One US Bank card is probably sufficient. Dont expect much else. But I suspect that's the only issuer you can find that you do not have a large balance with already?

I think you can just have USBank deposit the money directly into your checking account. Overpaying another card and requesting a refund is only the best option if it is your ONLY option. It is not.

US Bank will mail a BT check with an account number to anyone. open up an FNBO direct savings acct, have US Bank mail them a BT check with your FNBO acct # on it to FNBO's mailling address and it'll show up in FNBO in 7-10 days. thats what I did to get my BT money off of the US Bank Linux card.

Squeezer can I do the same thing with my checking account without opening the savings account? I have a different plan for the money than Savings/Cds.

And will they do this transfer during the Application process?

Sorry,

I'm at 35% of my Credit Limits with a Total Balance of $9,400.
This doesn't include my car balance of $16,000.

$5600 on my chase card.
$2,400 on my Discover card. "Rewards Card"
$1,400 on Citi Financial - Rooms to Go - 9 months old.

Once again I am not looking for $100,000 + in bt money like most AOR Deals only around $20,000. I guess I can take a shot at one account with USBANK, and one with BOA Student Plat plus which has a $75 cap, which seems hard to find lately.

Would it be a bad idea to just go with two, or should I try atleast 4 or 5 in case the first two don't go through.

Thanks i'll try the Assoc Bank Card too.

I read the BofA student card wrong.. no 0% interest for 12 months just a decent transfer fee rate.

I have graduated college and am currently working on my masters, the income is from our married total.

And for the million dollar question... I have two stocks that I have day traded in and out over the past 4 months, currently I have doubled my money. 19 transactions positive, 4 negative.

I focus on these two because of their cash positions/flexibility/market share/ and the fact that this industry can't be outsourced. I have very specific buy and sell strategies. None the less it's much riskier that your average savings/cds, however I believe they are smart calculated risk, time will tell.

monopolymoney said:And for the million dollar question... I have two stocks that I have day traded in and out over the past 4 months, currently I have doubled my money. 19 transactions positive, 4 negative.

I focus on these two because of their cash positions/flexibility/market share/ and the fact that this industry can't be outsourced. I have very specific buy and sell strategies. None the less it's much riskier that your average savings/cds, however I believe they are smart calculated risk, time will tell.Thats called greed - If you've 'doubled your money', why do you need to borrow more to continue? If not taking all the money and running, you should at minimum be withdrawing your initial investment so you are only playing with 'found' money from here on out..... NOT borrowing more to add to the pot. Adding borrowed money only increases your leverage, which means it will take a much less percentage drop to clean out all your equity in the investment.

And try the BofA NEA card, 0%, with a $30 BT fee cap.

It's not Monopoly money... Past performance does not predict future results.

Thanks Glitch on the NEA card. I have that one along with my US bank card. Now i'm good to go.

greenking said:please be careful op. this is a disaster waiting to happen

um... this already happened two months ago... look at the dates of the OP and the rest of the thread...