Ah, FWF wisdom to the rescue again, thanks lhend and jack. A follow-up about USB: Looks like you're a new customer (as I'm planning on becoming), but you're asking them for two new cards in one round. Just curious about what the conventional wisdom was for these smaller guys vis-a-vis how many apps is too many... I guess I have Juniper, Barclay's, USB, and other little guys in mind for the question. I know I've been told WF is a one-app issuer...

Hey man, I hope I catch you in time. There was a snafu in my link to the BOA MC. I have made a comment in my thread. It's still working. Sorry about the confusion.

lhendricks92 said:DJ, I don't know if it's possible - I don't if anyone's tried. Go for it.

EDIT:

Jack, where were you when I mentioned this idea earlier?HERE's ONE DATA POINT:

Called 866-408-4064 to move business credit to personal.

Rep said to close account first. Rep went on to say that only managers in her Barclays credit department could see the business cards but they would be the one's to process the line movement. After closing the card, call back (866-408-4064) and make request for movement from business to personal. She said she was going to note the account for the next person so that the movement would proceed smoothly...

After closing and confirming online that closure had taken place,

Access to online services has been restricted.

I called back to Barclays Credit. Rep said he'd need to reach the "Business Card Specialists" (managers, I presume). After 2 minutes on hold, he advised they were unavailable but that my request would be forwarded to them for review and I would receive a letter in the next 7-10 days.

(wait 15 minutes)

Called back to 866-408-4064. After explaining what was needed, rep (different from others) put me on hold for 6 minutes. Told me that $14,000 of the $29,000 would move over today as there was still a balance outstanding on the business card (see ** in this post). She went on to say that the rest can be moved after the balance is paid to zero. Finally, no inquiry would be made for this movement.

THE 15,000 MOVEMENT Showed ONLINE IMMEDIATELY IN MY NATIONAL PARKS CARD!!! THANK YOU once again, lhendricks!

DjPiLL said:Nice. So it looks like we can move business to personal.

Are you launching this AOR today? Now I guess the only other question is to find out how long you have to wait after closing a Barclays Biz card that you can apply and be approved for another card.I'm applying this afternoon/evening. I'm going to include the Bank Atlantic application - no waiting (as a datapoint for others...)

Removed from list (Thank you Pangloss)

P  Q 4|O 6 USBANK / LINUX        12    0%  0   Link   ?  ?????   EQ   FW Talk 0 fee with app
P  Q 8|O10 USBANK /ProBull       12    0%  0   Link   ?  ?????   EQ   FW Talk 0 fee with app

USBank seems to only allow one card and I should be approved via an invitation to apply on 8/18/2008

P  T 5|O16 BCLYS IFLY            12    0% 50   Link   ?  ?????   TU   
P  Q 9|O11 Chase Plat MCard®     12    0% 75   Link   ?  ?????   EQ   

FINAL LIST

P  X 1|O 1 BOA PlatPlus          12    0%  0   Link   ?  ?????   ??   status link
P  X 2|O 2 Wells Fargo            9    0% 75   LgdIn  ?  ?????   ??   Under my log-in
P  X 3|O 3 BOA Pet Rewards        6    0%  0   Link   ?  ?????   EX   
B  T 1|O 4 BCLYS BankAtlantic    15    0% 75   Link   ?  ?????   TU   13 month JuniperBiz Card instead?
P  T 2|O 5 WAMU ESPN Total...     6    0%  0   Link   ?  ?????   TU   
P  T 3|O 6 Discover digital cam  12    0% 75   Link   ?  ?????   TU   props to fotomaniac
P  T 4|O 7 BCLYS Farm Bureau     12    0% 50   Link   ?  ?????   TU   
P  T 5|O 8 Iberia Bank            6    0%  0   Link   ?  ?????   TU   I'm testing Pulaski again 1st time
 PULL True Credit Report to see if EQ got hit... then
 ...
B  Q 1|O 9 Advanta Plat Biz      15    0% 90   Link   ?  ?????   EQ   T&C markkundinger:small limit? | $50
B  Q 2|O10 CitiBusiness          12    0%  0   Link   ?  ?????   EQ   15kTYP
B  Q 3|O11 Chase Biz (AKA FUSA)  15    0% 99   Link   ?  ?????   EQ   
P  Q 4|O12 CITI CASH RETURNS     ...........   Link   ?  ?????   EQ   FW Talk
P  Q 5|O13 Wachovia              12    0% 75   Link   ?  ?????   EQ   FW Talk Phone app
P  Q 6|O14 CITI Associated Bank  12    0%  0   Link   ?  ?????   EQ   Elleve's master thread 
P  Q 7|O15 RBS Peoples Bank      12    0% 60w  Link   ?  ?????   EQ   
P  Q 8|O16 Chase/Disney          12    0% 50   Link   ?  ?????   EQ   aka FUSA
B  Q 9|O17 CHASE Cash            12    0% 99   Link   ?  ?????   EQ   $30 cardselection
P  Q10|O18 CHASE perfect         12    0% 99   Link   ?  ?????   EQ   $25 cardselection

I also removed the clutter of the following inquiries from the OP as they are bumped and/or older then 12 months:

AMEX	                 07/29/2007	EX	AOR1.0
BANK OF AMERICA	         07/29/2007	EX	AOR1.0
DISCOVER FINANCIAL	 07/29/2007	EX	AOR1.0
WASH MUTUAL	         07/30/2007	EX	AOR1.0
WELLS FARGO BANK	 08/06/2007	EX	AOR1.0
WELLS FARGO BANK	 08/06/2007	EX	AOR1.0
BARCLAYS BANK	         08/14/2007	EX	CLI req BankAtlantic
KROGER	                 05/28/2008	EQ	CLI req (will bump)           1st Bumped 8/15/08
CITI CARDS CBSDNA	 05/29/2008	EQ	CLI req (will bump)           4th Bumped 8/16/08
CITIBANK USA NA	         05/29/2008	EQ	CLI req (will bump)           2nd Bumped 8/15/08
PROCARD/CBSD	         05/29/2008	EQ	CLI req (will bump)           5th Bumped 8/16/08
UNIVERSAL CARD/CBSDN	 05/29/2008	EQ	CLI req (will bump)           3rd Bumped 8/15/08

1 BOA PlatPlus:...careful consideration is being given to your request, but an instant decision cannot be provided at this time.

2 Wells Fargo:We just need to verify a few pieces of information before we can give you a credit decision. Wells app status... 800-967-9521 ""

3 BOA Pet Rewards:We regret we're unable to approve your request at this time.

4 BankAtlantic: Sufficient credit is available on your account issued by Barclays Bank Delaware**

5 WAMU ESPN: We are not able to process your application at this time.

6 Iberia: your application has been received.......(800) 968-0801

**The instant oline denial letter provided detail of the credit bureau agency from which information "[was] provided." They didn't pull a report! verbatim: NO BUREAU, NO ADDRESS, NO CITY, XX 000000, 555-555-5555.

I did not apply for Juniper FarmBureau card due to this denial reason...

only one bureau pull thus far (it was TU as expected)...it looks like EQ report is clean for now...

(35 minutes following the Iberia application):

WASHMTL/PROV 08/18/2008 TransUnion

FYI, In CA I was able to get my Experian pin online immediately when freezing. It may be different in other states. If there was a US bank app in process before the AOR, it is a good idea to do the rest of the AOR before the tradeline shows up. Especially if they report the maxed balance at the same time, which would be AOR suicide.

7 Advanta:Instand Approved (CL=tbd)

x CitiBiz: could not get pop-up to come up **

8 ChaseBiz: deferred

x Citi CashReturns: Skipped app as I don't want to abuse them too much for 2.0 (especially since Mrs J has one of these cards)

9 Wachovia: applied over the phone... we'll see....deferred

10 Associated Bank: deferred

11 RBS Peoples Bank: deferred.... I tried BTing to my ING Direct Debit card...

**12 CitiBiz: deferred

13 Chase Platinum MC: deferred

markkundinger said:b) The only citibank popup I'm familiar with is CitiPRO, which has the "before you go" for an extra 5k TYP. Citibiz doesn't have one, that I can recall.Citi Biz has a striaght 15k TYP offer - link. No need for any 'tricks'.

DjPiLL said:markkundinger said:a) wait, if I understand correctly, you applied for a bank atlanticcard while already having an existing bankatlantic card, with a balance on it, and while also having a reallocation request in flight between two cards? That seems like entirely too many moving pieces going on at once. I would have recommended being less hyperactive with the process (and probably have the old bankatlantic card closed before opening a new one). However, I like lhendricks' idea of calling barclays and seeing what they can do. Hell maybe than can reallocate from your old bankatlantic to your new one.
Yeah I am still a little confused as to what the exact Bank Atlantic strategy is. But hey if they will open a new line even though you already have a card open and will close + condolidate into a new account... that would be an awesome data point.I admit I am a bit "chicken with head cutoff" mode right now. I messed up (perhaps you can all learn from my mess up on how to wrangle new credit if you ever get denied)---thanks for the suggestion lhendricks92 / markkundinger.

personal sidenote: At the blackjack tables (twice a year perhaps), the double-down impulse tendency rears it's head quite a bit too... it's my achilles heel.

To recap Bank Atlantic:

(a) I closed my existing Bank Atlantic card this morning while carrying 14k still at 0%. (I should have done this a few days ago - I should have paid it off too)
(b) I reallocated $15k to personal side as a datapoint (hoping to get the rest to personal after balance gets paid).
(c) I applied for a new Bank Atlantic card (I admit I was planning on approval - I'm a bit surprised).

I was worried that my USBank approval from here would get screwed up and they would post my BT to the credit reporting agencies and this AOR and subsequent arbitrage would be down the toilet. I am going to call Barclays credit in the morning.