Hey all,

Planning an AOR (actually a WOR) with an emphasis on business lines first and foremost. I have read all of the recent AOR's and have come up with this list so far. I am not sure which personal apps I should be looking at since a lot of them seem to have uncapped BT fees after the initial. I would rather get cards that have a capped BT fee so I can reuse them for BT offers rather than being a one shot deal. I don't currently have any AMEX cards, but with their current offers I don't see any reason to start now.

Goals (in order or priority):

1. Establish business lines for both BT offers and CR window dressing / balance hiding.

2. AA Miles Card for the 25K miles

3. A nice rewards card for travel expenses (maybe premier pass?)

4. Other 0% BT Personal Offers, especially those which give capped BT offers now and in the future. Also consolidate for higher lines as appropriate.

5. Arb BT money in rewards checking accts.

Current Lines (Issuer / Limit / Util ) Avg age 10 yrs

1 MTG 165K $1450/mo opened in 2004

1 Car lease 2 yr / $9579 / $488/mo opened 4/08

Chase Sony Card / $13,000 / 0

Chase Visa / 8.9K (Actually 900 since I moved 8K to Sony, but CR still showing old limit) / 0

Citibank Diamond Rewards / $8500 / 0

FIA Schwab WorldPoints Visa / $3000 / $1300

Discover / $6600 / 0

Emerge / FNBO / $5800 / 0

Starting Inq: TU 0 EX 0 EQ 1
Starting FAKO: TU 717 EX 758 EQ 730

Post App Inq: TU 1 EX 1 EQ 6
Post App FAKO: TU 715 EX 756 EQ 714

FWIW, Citi Pulled 3 different times for the 3 apps.

HHI: 175K

Potential Cards

Business (Card / # months / Fee/ Max / Misc / Credit Pull Expected) ~Actual Pull~

1. CitiBiz DEFERRED / APPROVED 10K 12/3%/$0 with app 1P-15K TYP - Equifax or Ex? ~EQ~

2. Chase Biz Rebate DEFERRED 15/3%/$99 3% Cash Back $40 CS - EQ or TU ~EQ~

3. Chase Biz Cash Rewards DEFERRED 12/3%/$99 $35 CS - EQ or TU ~EQ~

4. Chase Plat Visa Biz Did Not Apply 12/3%/$99 $35 CS - EQ or TU ~EQ~

5. Chase UPS Capital Biz DEFERRED 12/3%/$75 - EQ or TU ~EQ~

6. Advanta Plat Biz w/ rewards APPROVED 11K 15/3%/$90 $30 CS - EQ ~EQ~

7. Juniper BankAtlantic Businiess Rewards DECLINED / REQUESTED INFO / APPROVED 10K 15/3%/$75 - TU ~TU~

Personal

20. Citibank Aadvantage (targeted) APPROVED 20K Limit 25K AA miles after $750 purchases, no fee 1 yr.- TU or EQ ~EQ~

21. NEA BoA DEFERRED / APPROVED 3.5K 12/2%/$30 - Experian ~EX~ Showing up on EX Already 1 day after application!?

22. Citi PremierPass DEFERRED / DECLINED (One Citi App per 60 days) 12/3%/uncap - 10K points after $300 - Travel/Flight Spender - EQ ~EQ~
23. BoA Plat Plus MC DEFERRED / APPROVED 2K 12/0/0 - EX ~EX~
24. NEA Rewards Amex DEFERRED / APPROVED 2K 12/2%/$30 unk ~EX~

What obvious ones am I missing or is this enough given the credit crunch? Inquirywise, it looks like 2 EQ, 2 EX, 1 TU, 4 (TU or EQ) and 1 (EQ or EX). If I can find one that pulls EX for Florida, then I think I will only have a max of 3 inq there. Any ideas?

Thanks in advance,

Kyrak

Edit: Added UPS Card to biz apps. That makes 4 Chase apps. Too many? Also added BoA to personal since they pull EX. Added numbers for easy reference. Added NEA AMEX. Apps put in on 7/23/2008. 2 Instant Approvals, 1 Declined, rest deferred. Will Add Pull results as they come in.

Advanta runs a risk of granting a defectively small credit limit. Weigh the card's usefuleness (rewards program limits, etc) if you don't get a big CL.

Also, I don't see any app for an American Airlines card. (whatever you get, bear in mind that you can open a Fidelity and/or TD Ameritrade account and deposit funds for extra AA miles).

Out of curiosity, why are you using your wife's credit report to build up business credit?

1. Discover biz may give a small limit, but they let me reallocate from my Discover personal card to create a $20K limit (they would not allow a biz card limit above $20K even though I had more personal CL available -- and I think my initial limit with them with a bunch of biz debt showing on my report was $6K). You might try CLI on the personal card, especially if you haven't done so within the past six months, then open the biz card and call to reallocate. The card is really cool looking; translucent green with embedded metallic mesh. And it's 15 months, isn't it?

2. Seems to be a lot of Chase apps at one time, especially considering the Chase lines you/she already have. If it were me, I'd pare that back and go for the Disc Biz instead.

Edit: deleted

Thoreau said:You could consider adding a Bank of America Business card. Also AMEX Gold Rewards card is worth considering if you can get 25,000 reward point bonus.
All of the BoA Biz cards that I see out there have uncapped BT fees even though they have 9 month 0% promos. Is there one I haven't seen yet? Which is the best AMEX Link for the 25K MR? I found one, but it looked like you needed to charge 20K to get it. I also came across the NEA AMEX that I added to the personal list due to its nice BT fees / rates and promo rate.

Apps are submitted. 2 Instant, rest deferred. Updating OP as results come in. Happy with the Citi 20K limit, hopefully can CLR to Diamond when they have a BT offer.