@BarryNTexas wrote:Thought I would share a couple observations.
First, I have aggressively started paying down balances or paying off cards Jan 1st. As the new lower balances have started to report to the CRAs I have gained 18 pts on average across all three the last week. My highest now is 775 from EQ on MyFico and says they are all Fico08 but may be FAKO for all I know. I will have all balances paid off by April - Amen.
Secondly, I transferred my 3 largest outstanding balances over to NFCU and they posted today. What a relief to be able manage only one account to pay down/off. and I'm not sure if that new zero balance on my CitiAAdvantage card was a trigger, but minutes after receiving an email confirmation that a payment was posted I got a Valued Citi customer offer for a 50K bonus for opening the business version. I won't act on it but had it been Double Cash... maybe.
Building towards 800!
Barry, Sounds like a good plan to me 
@Anonymous wrote:
@BarryNTexas wrote:
@Anonymous wrote:
@BarryNTexas wrote:Thought I would share a couple observations.
First, I have aggressively started paying down balances or paying off cards Jan 1st. As the new lower balances have started to report to the CRAs I have gained 18 pts on average across all three the last week. My highest now is 775 from EQ on MyFico and says they are all Fico08 but may be FAKO for all I know. I will have all balances paid off by April - Amen.
Secondly, I transferred my 3 largest outstanding balances over to NFCU and they posted today. What a relief to be able manage only one account to pay down/off. and I'm not sure if that new zero balance on my CitiAAdvantage card was a trigger, but minutes after receiving an email confirmation that a payment was posted I got a Valued Citi customer offer for a 50K bonus for opening the business version. I won't act on it but had it been Double Cash... maybe.
Building towards 800!
Good work with the restraint. I'd have taken them up on those 50K pts, unless 100K pts is available.
Nixon, Don't get me wrong. I clicked the link and went through the app but when it came to filling out business info - I don't have a business so wasn't comfortable taking the chance.
Understandable. I'm not sure if Citi Business CC app is similar to Chase Business CC app, but if they are, there is an easy way to navigate it.
Sorry, I know this is offtopic, but now does one navagate Chase Business CC app? I heard for AMEX you just put your name in as the business name as use your soc. I would love to be able to consider a chase ink card 
Apply for business CCs if you have a business.
If this thread is going to turn into a business CC question thread, just let me know and I'll move it over there for you to get better responses, k?
If this thread is going to turn into a business CC question thread, just let me know and I'll move it over there for you to get better responses, k?
@longtime_lurker wrote:
@Anonymous wrote:
@BarryNTexas wrote:
@Anonymous wrote:
@BarryNTexas wrote:Thought I would share a couple observations.
First, I have aggressively started paying down balances or paying off cards Jan 1st. As the new lower balances have started to report to the CRAs I have gained 18 pts on average across all three the last week. My highest now is 775 from EQ on MyFico and says they are all Fico08 but may be FAKO for all I know. I will have all balances paid off by April - Amen.
Secondly, I transferred my 3 largest outstanding balances over to NFCU and they posted today. What a relief to be able manage only one account to pay down/off. and I'm not sure if that new zero balance on my CitiAAdvantage card was a trigger, but minutes after receiving an email confirmation that a payment was posted I got a Valued Citi customer offer for a 50K bonus for opening the business version. I won't act on it but had it been Double Cash... maybe.
Building towards 800!
Good work with the restraint. I'd have taken them up on those 50K pts, unless 100K pts is available.
Nixon, Don't get me wrong. I clicked the link and went through the app but when it came to filling out business info - I don't have a business so wasn't comfortable taking the chance.
Understandable. I'm not sure if Citi Business CC app is similar to Chase Business CC app, but if they are, there is an easy way to navigate it.
Sorry, I know this is offtopic, but now does one navagate Chase Business CC app? I heard for AMEX you just put your name in as the business name as use your soc. I would love to be able to consider a chase ink card
Sole proprietorship w/SSN is just fine with Chase, or was when I got mine 8ish months ago when I opened up a business checking account. Did get an auto-CLI on it even, in addition to a CSP invitation of all things (which was new for me this week, only ever had Slate offers before) so in theory they're OK with me as a customer.
