Received the AMEX Gold and the Discover cards today...called and activated both.

I asked about BT options with the Discover CSR. She said that she could do it over the phone or send BT checks. Even though she said the immediate/phone option would transfer the money faster, I requested the check (wanted to write it to myself if possible). Wouldn't you know it, she offered up options for how I could use the BT check and writing one to myself and depositing it into my checking account was an option she suggested...she said it should make it easier on me in determining where I want to use the money...exactly.

I also asked the Discover CSR about a CL increase and was told that it's usually 4-6 months before I'm able to get an increase. Oh well.

Updated the OP with new scores and other info.

Updated OP with new scores and new inquiry from BoA. Somewhat interesting, albeit frustrating, that BoA decided to do a hard pull from Experian after FIA CSNA already did one from Equifax. I guess that's related to me not getting an immediate decision on that recent BoA card...BoA must have wanted to check me out further...still no decision from BoA yet.

Logged into my AMEX MRP account today and noticed that I have 20k points pending from the AMEX Business Gold Rewards card. In addition, I logged into cardoffers.com and noticed that my cash from the Starwood Preferred Guest card is there. Interesting thing is that I haven't received either card yet.

Also, I decided to check out ThankYouNetwork.com to see if I might be able to register without actually having my Citi cards in hand. Turns out you can register if you've been approved for Citi cards using your phone #, zip code and last 4 digits of SSN. I did that, was able to login and found out that I've apparently been approved for two of the CitiBusiness cards I applied for (Platinum Select and PremierPass) since they showed up in my account along with the Professional card. No points yet, but at least I know I was approved. Unfortunately, there was no mention of the AT&T card...hopefully it'll be approved too, along with the CitiBusiness AA card.

Wow, what a day at the mailbox today. I opened the mail and received the Starwood Preferred Guest, Starwood Preferred Guest Business, Sony, Citi Professional, Citi Business, Juniper, CitiBusiness AA and AMEX Business Gold. The only one I didn't know the status of was the CitiBusiness AA. (Unbelieevable will probably be jealous now that I've been approved for 3 CitiBusiness cards. )

The other surprises were the $25k CLs for the CitiBusiness AA and the Starwood Preferred Guest Business.

I also received BT checks with my Juniper and Sony cards.

Lastly, I got an approval for the AT&T Citi card via email...no CL mentioned though. That leaves me with just one card, the United Biz, that I don't know the status of.

Received my CitiBusiness PremierPass card today and it came with a $25k CL. I'm somewhat surprised at the high CLs I received on the business cards I applied for. However, it'll be nice when it's time to do some BTs.

Am I correct in understanding that the utilization on my business cards (i.e. after doing BTs) won't affect my personal credit scores? If so, do I even need to worry about staying around the 88-90% utilization mark on the biz cards?

ahself said:Wow, what a day at the mailbox today. I opened the mail and received the Starwood Preferred Guest, Starwood Preferred Guest Business, Sony, Citi Professional, Citi Business, Juniper, CitiBusiness AA and AMEX Business Gold. The only one I didn't know the status of was the CitiBusiness AA. (Unbelieevable will probably be jealous now that I've been approved for 3 CitiBusiness cards. )


Yes I am!!!!!!!!!!!!!!!!!!

where do you live? reason I ask, you got an awful lot of Equifax pulls, which is great for B. I know some believe that CUs pull based on geographic location (they used to, debatable if they still do). I tend to get way more experian, which I dislike greatly (Phx, AZ).

tooligan said:where do you live? reason I ask, you got an awful lot of Equifax pulls, which is great for B. I know some believe that CUs pull based on geographic location (they used to, debatable if they still do). I tend to get way more experian, which I dislike greatly (Phx, AZ).

I live in GA. I remember seeing a CC pull database where you can search for inquires by location or other parameters...can't seem to find it right now though. When I looked through it for GA, the results were mixed...e.g. Banks/Issuers pulling from different agencies for the same state, etc.

HappyGuy said:OP or others, are you using a software program to fill out all of your CC applications and if so which program?

I didn't use a software program to fill out my CC aplications (i.e. an autofill program); although I believe others have. I only set up an Excel file to help me keep track of the CCs I applied for, status, terms, etc.

ahself said:I've been approved for all 16 cards I applied for.

That's great!

6) Called and reallocated $23k from my CitiBiz AA card to my CitiProfessional card.
This is potentially very big. It means you just transfered CL from a business line (which does not appear on your credit report) to a professional card (which, as far as I know, DOES appear on your credit report). If it pans out, there's a lot of opportunity for -- let's be frank here -- abuse.

Coincidentally, I received three Citi Professional 0% BT welcome checks today. So far, I've received the following BT checks: Sony (with card), Juniper (with card), Discover (per request) and Citi Professional. None of them appear to have restrictions on depositing into checking.

Called PNC CS today and still no word on my CLI request...was told "it's pending approval".

Updated OP with how my new CL is shaping up.

Back to my reallocation from CitiBiz AA to Citi Professional...It's interesting to note that Citi considers the Professional card to be a business card (per others' confirmation and the fact that it states CitiBusiness on the back of the card) but their web site only allows you to register it as a personal card. I tried unsuccessfully to register it online with my other business cards, called tech support and was told that it has to be registered with my personal cards. Can someone confirm that it does appear on your personal credit report?