whoDean said:The only thing I use these guys for is a 1.99% for life offer.
Care to share that reservation code?

Tytie

I recently did an aor also.

they sent me the FNBO card with a 12k limit, and when i called to activate, they said they closed it due to inquiries. I only had 5 Equifax inquiries, and that was where they pulled from, so wtf?

I demanded to speak with someone who could reverse the action.

Called that number, was put on hold for 20minutes, then they gave me a PO BOX i could complain at.

I asked for an email address or fax number that i could send them documents by.

they refused.

so right now, I sent a bank statement to them anyway but I doubt they'll do anything. I suppose I'll just keep calling until they give me a positive response.

I am wondering if this can be dealt with in the following way:

1. Apply for FNBO Card (and maybe 1 or 2 other cards from other finicky issuers) about 15-20 days before an AOR,
2. If the card is approved, do a balance transfer,
3. Once the transfer is complete, then apply for the rest of the AOR cards.

Sounds like if they cancel at that point, they have to let the 0% BT promotion run its course.

ChumChurum said:I am wondering if this can be dealt with in the following way:

1. Apply for FNBO Card (and maybe 1 or 2 other cards from other finicky issuers) about 15-20 days before an AOR
Yes, though they declined my wife with only 1 other same-day EXP inquiry (plus 1 greater than 6 mo)! (At least that's the stated reason.)

There's also a slight chance they could see 2 new + 1 old TU inquiry via the funky ARS report they refer to in the rejection. (My wife got a copy; it doesn't say much.)

So, I would apply to FNBO and wait at least a full day before any other early cards (such as Advanta).

From FNBO:

EXCESSIVE CREDIT REPORTING INQUIRIES

To acquire a free copy of your report, please contact the following agency:

ICS - Consumer Inquiries
Advanced Resolution Services
6111 Oak Tree Blvd, Suite 400
Independence, Ohio 44131
1-(800)-392-8911
Fax: (216)-615-7642

I phoned ARS: they wanted a FAX (or mail) including a copy of driver's license for address verification. Got the report; it's pretty minimal. From the cover sheet:

- Any bankrupty proceeding reported for your SSN
- Visa or MC bankcard issuers who have provided information regarding your SSN to ARS or have received information from ARS
- total # of instances where your SSN has been used on a V or MC CC app in the prev 12 mo (24 mo for Colorado)
- reports of unauthorized or fraudulent use of any V or MC assoc with your SSN

Strangely, the actual report only contained the FNBO inquiry (i.e. not very good evidence of TOO MANY!). I suppose I could try to argue my (well, my wife's) case with FNBO, though I generally take the low hanging fruit and move on.

they closed my card with 11500 balance. they also made a new inquiry in my report without my authorization. can they do it?