Hello fellow FICOers. Looking for some suggestions - I will try to provide all neccessary DP's, feel free to leave some anecdotal experience if you think it will be helpful.
- Current scores: EX 828, EQ 830 and TU 835
- 4% total UT on personal side, $224.6k TCL
- Biz rev ~$32k per year
- 3/24 new accounts (personal side)
- Biz side: AAdvantage with Citi in May '21 (EQ pull), Chase Ink Biz Unlimted in June 21' (EX pull) and Aviator Biz in July '21 (TU pull)
- INQ
- EX: 1/6, 1/12, 6/24
- TU: 1/6, 1/12, 2/24
- EQ: 1/6, 1/12, 3/24
- Current Biz Cards: Chase IBU (no AF), Costco Citi Biz, AA Citi Biz, Aviatior BarclayUS Biz, Amex BBP, Amex BBC, Amex Lowe's, USB Leverage Visa, USB Cash Rewards MC and CapitalOnTap.
- Goal: Maximize SUB and float over 2.4K from expiring 0% interest on Amex BBC to new card. Cannot float over to CIB as I am floating $1.8k with 3k CL.
Any feedback is appreciated, even if you tell me to bug off 
@BearsCubsOtters wrote:Looks like you have most of the major players. My suggestions:
BofA Business Advantage Customized Cash Rewards: $300 SUB and 9, yes 9, months of 0%
or
FNBO Evergreen Business: No SUB, 0% for 12 months
Your other option would be to either cold app for a US Bank Business Platinum for 15 months 0% (no SUB) or close Leverage to free up a space for Platinum should it come to that.
But for the main players, you have already kind of exploited the best ones for both SUB and 0% balance transfer. Have you considered smaller banks? I do not know your geographic location so I won't go into specifics but I mean: TD, PNC, BMO Harris, 5/3 etc etc etc.
I ended up cold apping with USB, got the inq on EX on Monday morning (applied on Saturday night, 5-7 business days notice). Got the approval email this morning but only at $3k SL. I should have called in to close the Leverage because I have $10k on that card that I may have possibly been able to reallocate to new card. I will wait a bit but I think I will look into PNC next since I have already hit up all the major players! Thanks again for the feedback.
@credit8502020 wrote:@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be 
I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two wrote:
@credit8502020 wrote:@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!
Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's
FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa wrote:@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!
Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's
FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
Wow, awesome, thank you! These are some great finds/suggestions, just bookmarked so that I can queue up my apps early next year.
If you want a "free" no HP, Business card, look at the Citizen's Bank MC - they will issue based on a SP.
All they wanted was biz bank statements and my resale permit as a sole prop.
@Five6Two wrote:
@credit8502020 wrote:@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be
@Five6Two Great! I hope you find some great Credit Unions that fit what you're looking for.
@4sallypat wrote:If you want a "free" no HP, Business card, look at the Citizen's Bank MC - they will issue based on a SP.
All they wanted was biz bank statements and my resale permit as a sole prop.
Wow, that is a great deal! Any idea if this is for the "Everyday Points" or "Platinum" version of the card? Or both?