Hindustani said:Glitch99 said:They did the same to me. The next day I just CLI-buttoned my Blue limit back to where it was.

Interesting. How much was your CL reduced by? Was the entire CL diff moved to the new cars? I am not so sure if I will be able to CLI back to $56k.Well, it wasnt nearly that much..... They 'borrowed' $14.5k from a $15k limit, and used it to create two $17.5k biz cards. I CLI-ed the original card back up to $15k, and I now sit with $52k total AMEX lines across 4 cards.

Update: Got an e-mail from Citi saying that my Citi Biz card is approved but no CL info was given.

Glitch99 said:They 'borrowed' $14.5k from a $15k limit, and used it to create two $17.5k biz cards. I CLI-ed the original card back up to $15k, and I now sit with $52k total AMEX lines across 4 cards.
Reallocating then CLI'ing is known as "dancing". If you also do a BT, you've done every thing in your power to get a Financial Review.

Hindustani said:
I am just curious as to why AMEX FR is dreaded so much. I don't know much about the pains involved but wouldn't it be just an inconvenience as long as the info you gave on your app is all correct and backable with evidence?

Ok, after reading on the internet and this thread I understand why people hate AMEX FR. I was planning to do a BT from AMEX but I guess I just changed my mind

markkundinger said:Stani, you make a good point, as long as the info on your app is easily verifiable (by tax forms), then you'll probably pass.

The real disruption is if you're using AMX cards for regular spending, and they get froze for a week while the FR works its way out.

I did a BT off AMX. But I wasn't using my cards for anything EXCEPT the BT, so if cards got frozen... no biggie! I also got a namby-pamby F/R (no freeze, only verified info on phone)

I guess they will pull your credit report while doing the FR. If they see large balances being carried with then and/or other issuers(because of AOR) and also see too many inquiries, even though you justify your income and backup those balances with money in your high-yield accounts or CDs they may close some or all your accounts which could turn out to be bad for your credit history. I read this on some forum.

Update: Received Chase Professional card with $15k CL and Baylor Alumni with $25k CL today. State Farm declined citing too many inquiries as reason.

cameron2003 said:Hindustani said:Update: Received Chase Professional card with $15k CL and Baylor Alumni with $25k CL today. State Farm declined citing too many inquiries as reason.

I looked at this Baylor Alumni card, but the terms show a 3% uncapped BT fee.

People have been successful in gettng capped fees recently

What exactly is MBNA Bill Pay? I keep hearing about it on the site, but don't know what it is. Can someone please describe it? Thanks.

Hindustani said:Jagd said:I'd would give the WAMU ESPN card a shot

WAMU ESPN

it seems more mainsteam than WAMU/Providian's usual offering (Everybody watches ESPN right?)

it has a 6 month fee-free BT + 0 % on purchases for 6 months

I submitted an app with a 10k bt request and they approved me for 14k immediately
I did have an existing WAMU card with a 5k limit though so not sure if that is a + or a -.

I'm surprised you applied for to BofA. I left them off my last AOR because MBNA billpay is way too valuable to loose.

I had WAMU on my list to start with but ended up removing it after getting bad feedback on the CL they give.

I don't use MBNA billpay. I know the risk involved but I have about $65k CL with BofA now and wanted to see how I could use it if I wanted to.

cyberkost said:SOONERFANS said:What exactly is MBNA Bill Pay? I keep hearing about it on the site, but don't know what it is. Can someone please describe it? Thanks.

It lets you use your (MBNA) credit card(s) to pay your (khm-m..) bills. One needs to be grandfathered though, in order to take advantage of it.

do they charge you fees? From what i understand, I would link my credit card to like overdraft or something???

then write a check to myself i mean a bill and if there wasn't enough funds in my bank account, then they would take it from my credit card????

Is this right, or am i missing it all together???

Jagd said:It is free. But yes you are missing the point.

Effectively you can pay other credit cards with it.

So when your 10k BT on your Citi Card is about to expire you pay it off using the billpay.

The bill pay treats it as a purchase so it effectively adds another 1-2 bill cycles of free 0% money to all your credit cards.

Nearly every major credit card issuer can be paid - Capital One being a major exception

but as I understand and in regards to cyberkosts statement, one can't get this account now. you had to have an MBNA card before the BOA-MBNA merger