jackcrawfish said:markkundinger said:Wow, can you tell how promptly Iberia/Pulaski did their pull? And did they ask you for any annoying income verification?Applied 7/31... Bureau pulled next day... Per True Credit: PULASKI/IBER 08/01/2008 TransUnion

No Income verification call to my wife....... wait... on the app as I recall there was a spot for employment verification... I gave them the 800 number for my wifes fortune 500 employer (provided them the access code and everything).There were 4 checks included in IBERIA welcome package. Every check was labeled in caps "VALID FOR BALANCE TRANSFER ONLY"

I think IBERIA treats balance transfers in a similar "delay-able" manner like Citi does...

Per terms and conditions:

Your APR for balance transfers processed within 3 months of your account open date will be zero percent for the first six billing periods from the posting date of the balance transfer check

I might utilize the card for a few purchases and initiate a BT on November 1st, 2008 (maybe rates will go up - inflation's over 5% now)...

jackcrawfish said:Venturion said:Jack - what am I missing? You only list one active account? You only applied to one Chase biz card? I applied to 5-7 Chase biz apps in both of my A-O-Rs and got approval on five of them each time. This was July 07 and Feb 08, so the world may have changed.I called to get the status of the business cards today. Here's what happened.

ME: I'd like to check the status of my business card apps
REP: OK.... I see you were recently approved for 2 personal cards: 1 Chase Plat MCard® 12 0% 75 6000 limit and 18 Chase/Disney 12 0% 50 10000 limit. The business apps will not be approved unless we close one of your personal accounts. Would you like to be considered for a business card?
ME: Yes, please.
REP: What is the nature of your business, income, employment, etc
ME: The nature is as follows...bla bla bla
REP: In order to be considered for the 6 Chase Biz (AKA FUSA) 15 0% 99, which card will you close?
ME: The 1 Chase Plat MCard® 12 0% 75 6000 limit can be closed
REP: Would you mind holding while I take a look at your credit report?
ME: (After confirming that another hard pull would not happen) Yes, I'll hold.
REP: I'm going to recommend that this business card application is approved for $6000. Anything else today?
ME: Whoa... wait... You can't guarantee approval? and if that's the case, I'd like to keep my $6000 personal card left open.
REP: I understand.


Now we'll see what happens. It would appear that CHASE does not hand out business credit like candy for Mrs Jackcrawfish.CHASE denied the business card application... I will call Monday (tomorrow) to speak with credit rep about getting the personal card reopened or at least the 6000 credit line added to her 10500 CHASE/Disney card.

6  Chase Biz (AKA FUSA)  15    0% 99   Link   D  00000   EQ   Too many inquiries!!

jackcrawfish said:glxpass said:Don't worry about it. They're just trying to promote another product, such as the Citi Professional card. I've received these offers *after* having been approved for the CashReturns card, so you might want to have your wife check her application status.

Since I've started ignoring these letters, I've been deluged by specific offers such as pre-approvals for the Diamond Preferred Rewards and Dividend Platinum Select cards, both received on 7/25 with letter dates of 6/27, (having uncapped BT fees), and expiration dates of 7/27. Huh?

Earlier this week, I received pre-approved offers of overdraft protection, a home equity loan, and a HELOC. Other than the HELOC, the rates were terrible.

I wouldn't advise both (ab)using the CashReturns card and doing BTs with Citi concurrently. It's asking for trouble.Thanks for the feedback... I searched the DYING Cash Returns thread and confirmed your comments. I'll have her call in later tonight.....hmmmm maybe I could add a Professional card, immediately consolidate to cash returns, then do some laundry.... just as GroveStreetOG suggestsReceived email confirming the 8/18/2008 opening of a Citi Professional card (they pulled EQ on 8/11/2008).

She saw bumpage today of 2 old EQ inquiries...

Sent email to CHASE:
Please research this account credit line and status. I was approved for $6000 originally but was told I could close and receive a business card instead (for the same credit line). I just received notice of denial regarding the business application. Please either reopen this account and restore the $6000 credit line which was first granted or approve (reconsider) my business card application.
Their response:
In order to better assist you, we have forwarded your request on to the appropriate department for review. Please be advised you will receive a response to your e-mail within seven days.

TyroneSchulace said:jackcrawfish said:CHASE denied the business card applicationThis is worrisome. How many years in business? Perhaps her limited history was a factor?I made a mistake. I forgot about a personal CHASE card I applied for (invitation only). I'm going to update the OP shortly.

Short version:

• I applied for five (5) Chase cards (important: I was thinking there were only 4 apps!).
  
• I received three (3) Chase denial letters.
  
• With one Disney CHASE approval, I presumed the business card was denied. I mistakenly reported the business card as denied for too many inquiries when, in fact, it was the invitation to apply CHASE application mentioned in the OP which was denied.

Sent email to CHASE:
Mrs J:
Please research this account credit line and status. I was approved for $6000 originally but was told I could close and receive a business card instead (for the same credit line). I just received notice of denial regarding the business application. Please either reopen this account and restore the $6000 credit line which was first granted or approve (reconsider) my business card application.
CHASE:
In order to better assist you, we have forwarded your request on to the appropriate department for review. Please be advised you will receive a response to your e-mail within seven days.A moot point now that I've received the CHASE Biz card but I thought I'd post their 8/22/2008 response for others' reference:
CHASE:
Please allow us to explain that one or more Business Card applications were received. The first application was declined and a letter was sent with the reason for our decision. In order to approve the second application, your account ending 4818 was closed and the credit line was consolidated to your new Business Card account ending ####, which was established on August 14, 2008.

3  BOA PlatPlus          12    0%   0  Link   D  00000   EX   unable to obtain credit report

Wife called after temporarily lifting Experian Freeze and was told to re-apply. Re-applied today (8/25/08) and was deferred...

30 AMEX CLEAR            ............  Link   D  00000   EX                              

Wife called yesterday (8/24/2008) and was told a freeze must be lifted (she went through and gave her full SSN and Experian pin number but in the end was told that she must lift the freeze by contacting Experian.

Since we lifted it for BOA today (8/25/08), I initiated an online chat to decide whether she had to call in to continue app processing. The online rep said she must reapply altogether. I re-applied and received an instant cancelled app (different from decline):Thank you for your recent application for Clear from American Express. It is our pleasure to service your request for an American Express card. However, our records indicate that you have recently submitted more than one application for American Express card(s), therefore this request has been cancelled.

Your original application is now being reviewed and a final decision is pending. We will inform you of a decision shortly. As a result no further action will be taken on your duplicate request.So from this it appears her AMEX CLEAR application is processing...

Learnings thus far (see QS):

1. CHASE e-corr consolidation is feasible
   
2. Iberia/Pulaski Credit department (AKA Kiley) can be reached at 501-661-7379
   
3. Everbank will not open account(s) if Experian is frozen
   
4. CHASE takes a long time to underwrite; Iberia/Pulaski even longer
   
5. Juniper/Barclays may approve late application due to the "TU-disappearing-inquiries-for-a-day-effect"
   
6. Iberia/Pulaski start 6 mo BT clock when BT posts (much like Citi does)

jackcrawfish said:

• An interesting piece of information: While on the phone, I have been my wife on 2 occasions - albeit dishonest - so long as I verified all required information for the account. (The reps were foreign born in both cases)

Mrs Jackdrawfish does exist, right?

Neither I nor my wife thought it was very inconvenient for her to verify herself and allow me to talk to CSRs, but it seems that you go the extra mile to try not to involve her, e.g. online chats and the bullet above. Maybe your wife is even more adverse to talking on the phone than my wife was. Regardless, at least you're demonstrating what can be done online and over the phone without the wife's involvement.

I just got finished with the WOR, and if my wife had to identify herself to a CSR one more time ...
Great data points with chase emails, TU pullers going next day.

Luckily my wife has a gender neutral name, so I am often her with phone CSRs. I've wondered if it weren't so neutral, would I ever get questioned, because I'm sure that for every single "boys" name out there, there's a girl with that name as well. I bet CSRs learn real quick not to question someone's gender over the phone. Also, I've wondered if companies keep an internal note of gender for you account. Anyone happen to know?