BTW, I have seen 0% APR Discover cards for 6-9 months on this link http://www.discovercard.com/credit-cards/
but with Discover there is no escaping that 3% BT fee; unless they send you a special offer or something. Though I have not seen one for a looong time.

purplefetus2 said:I got a preapproved solicited offer from US Bank for a Visa CC 0% no BT fee. They gave me a 25K CL.

Do you guys know of anyway I can get that CL in a high interest savings account? Unlike Citi, they don't give you a check for the CL. I can only use the BTs for paying off other CCs.
TIAAtleast as of last fall, US Bank would deposit BTs into your checking account, or mail a check to whomever you tell them to (you just need to provide a name, address, and "account number"). But you need to call since you cannot make such requests online.

bobopig1 said:Chase ID protetion is no more a daily puller. it became every 90 days per pull for me.
AMEX CS
credit check total
Nationalcity id protect still work.


MikeR397 said:robertw477 said:What services do you use to bump? I thought bumpingdoesnt work anymore? It will be interesting to see your results, but getting 600K new might betough in this environment.


Rob
Last time I bumped I used:

1. Chase IDProtectiont: https://www.chaseidprotection.com/
2. AMEX Credit Secure: https://www124.americanexpress.com/cards/loyalty.do?page=credits...
3. CreditKarma (for TU only, but free): http://www.creditkarma.com/

AMEX Credit Secure (need a AMEX card) is my favorite b/c you can update your report anytime during the next day, and don't have that 24 hours + 1 minute rule. I think it cots about $11 per month, same with Chase. Its been about 10 months since I've done bumpage, can anyone provide info that these services will no longer b*?
Do you know if National City ID protect allows for daily pulls in thier $1 trial period for the first 30 days? I know AMEX Credit Secure does not let you daily pull until after the trial period.

My sister's BOA statement was today, and I need to make sure the balance is reporting at $0 and don't want to waste it today if it still shows a balance and won't let me update for 30 days.

TIA

Rayout said:

I did it online with my Linux card and it worked fine. Go penguin!

Lucky duck! I called US Bank and they said that the checks have a 3% APR and any transfers done over the internet or phone will have no BT Fee and 0%APR and they can ONLY be balances from other CCs. I'm sooo bummed.

I wonder... what if I gave them my 16 digit CC from my Checking account's debit card and transfered the entire CL to my checking account? Any thoughts?

MikeR397 said:
As far as I know, that wouldn't work very well. I think almost all the BT's to debit cards get reversed, but someone please correct me if I'm wrong.

Just talked to the CSR. She said no! I'm bummed. oh well.

BTW, for the CITI Business card, can I transfer balances from a personal CC (ie. BOA) to the CITI Business card?

I just recalled that I've also had US Bank mail out a check to my checking account. They just (or at least used to) mail out check, so when they ask for an account number, it doesn't have to be 16 digits. I just gave them my standard checking number before and the check was deposited 2 weeks later into my checking account.

If others have more info in this regard, let us know please.

BTW, another data point is that US Bank pulls ICS, which tracks all inquiries at YOUR ADDRESS FOREVER. I can guarantee you this is why my sister was denied, rather than "length of credit history" BS which is for over 3 years. Time to FREEZE ICS for my upcoming apps.

Does anyone know if you can have more than one US Bank Card? Both mom and dad already have one. Do I have to close it in order to get a new one? Both of them have $25k lines.

jackcrawfish said:MikeR397 said:Do you know if National City ID protect allows for daily pulls in thier $1 trial period for the first 30 days? I know AMEX Credit Secure does not let you daily pull until after the trial period. Nat City is only daily after 30 day wait if you have a grandfathered/mothered membership. I believe new memberships now pull every 30 days. see imnotcheatin responses

As for ICS, I presume you've seen my 2.0 thread or read the dedicated ICS thread but I've never known anyone to freeze their ICS file since it is a fraud detection tool and not a traditional CRA. Nevertheless, please keep us posted on your experience with freezing.
My sister signed up for Nat. City ID protect yesterday. Its been 40 hours now, and I can't figure out a way to update the report. She's a new customer. Could someone tell me how to update the report? It's important b/c I'm trying to see when her BOA balance drops off. I'd like to get her apps fired off before I leave for travels for two weeks, so all the cards will be waiting when I get home.

Jack, I'm reading your entire AOR 2.0 thread again now to refresh myself. About 2/3 the way through. So many golden nuggets in there, thanks for so meticulously documenting it all.

MikeR397 said:
BTW, another data point is that US Bank pulls ICS, which tracks all inquiries at YOUR ADDRESS FOREVER. I can guarantee you this is why my sister was denied, rather than "length of credit history" BS which is for over 3 years. Time to FREEZE ICS for my upcoming apps. Might that cause auto-denials, when an ICS report cannot be obtained (for those issuers who pull it)?

Glitch99 said:MikeR397 said:
BTW, another data point is that US Bank pulls ICS, which tracks all inquiries at YOUR ADDRESS FOREVER. I can guarantee you this is why my sister was denied, rather than "length of credit history" BS which is for over 3 years. Time to FREEZE ICS for my upcoming apps. Might that cause auto-denials, when an ICS report cannot be obtained (for those issuers who pull it)?It could, thats a chance. But I can tell you that the number if inquiries at my address showing on ICS will be a for sure denial for anyone who does pull ICS.

jackcrawfish said:dispute mother thread

dispute the BOA balance...then you'll know for sureCrap. Nat City DOES NOT allow for daily pulls in the trial period, just like AMEX Credit Secure. In fact, the service itself looks identical too.

In the past I've disputed balances to speed things up. Its a PITA, and I've have several CSR's bring it up when I call in for CLI or consoldiation or other help. Sounds like they dont' like it. And, her statement generated on the 19th, so it should be at $0 already I'd think; I just need to verify it. Damn, now I have to sign her up for another service. PITA.