01carterb said:For a CLI that will require a hard pull:

Would it be better to do immediately before an AOR in the hopes that issuers will see a higher limit on those cards and give a higher limit to match? Or request the CLI immediately after? Any other inputs? ThanksYour CLI will not show up on your credit report until a few days/weeks later when your regular statement posts. My advice would be to request hard-pull CLIs on the same day as your AOR, but only after you're completely done with your AOR (it is often a case that requesting hard-pull CLIs after AOR will not result in a hard pull anyway, if the issuer pulled your record during AOR).

dont apply to a couple cards here, couple cards there

If you are thinking about applying now, just do a blitzkreig now, do another blitzhreig later. no need to wait

I think I've read just about every thread on AOR so far. Great information, I was just wondering about applying to the same company for several cards. My interest is to pay off high interest CCs, not to do a real AOR. I have successfully gotten several good offers and was able to take advantage of them. However, for Chase, Citi, AT&T, Discover all rejected apps for multiple cards. Of course I didn't apply for the exact same card, but all repsonded and said they didn't allow multiple apps within a 60 day period. Given all the AORs going on, they obviously do.

So my question is simply how to get multiple cards from the same issuer without hitting this problem. Some rejected additional apps after the apps were submitted, others did during the application process. Are they keying off of SS#, address, email, what?

Thanks for any tips.

I wonder if they are catching on to the AOR thing, or if I was just unfortunate enough to hit some magical alignment of the stars. If anyone else has any real recent experience with these, that might help to see if this is a recent change, or just some dumb luck on my part.

Thanks for the reply!

MicronDeath said:My interest is to pay off high interest CCs,

So my question is simply how to get multiple cards from the same issuer without hitting this problem.

Thanks for any tips. I think I see the problem in your situation. From your post, you are carrying high interest CCs balances. When you do carry high APR balance, that issuer is VERY UNLIKELY to approve you for a lower rate card.

Carrying high APR balance is a GREAT way to ensure you get declined for low interest cards, especially from the issuers you are currently paying high interest to.

Yes other people are able to get cards bc their credit profiles are more favorable. It sounds to me that your "problem" is not the multiple apps (thats the convenient excuse), your REAL problem is they dont want you to move EXISTING DEBT they are making lots of money on (they wont tell you that).

Luckily there is a simple solution... move the debt to the issuers that are "hungry" to buy your debt at low promo rates, then the other issuers will be more receptive to winning back your business.

MicronDeath said:As I learned from starting a new business, just keep asking until someone says yes, because eventually they will!that is indeed a good lesson, when it comes to credit cards, business, dating etc

cameron2003 said:I am considering the 0% for life deal from Discover. Won't this hinder my Yealry AOR's though, since I cant clean it up?

And is there some advantage to the "for life" deal compared to one year/one card at a time approach? THe advantage I see is that you dont have to apply for a new card each year. But thats not convincing me.

One card with an outstanding balance shouldnt hamper an App-O-Rama assuming everything else about your credit profile is in good order. The advantage of 0% for life is that its a longer 0% period...none of us can predict whether it will be so simple to get 0% offers years from now.

Of course the "for life' deal is not indefinite (it will get paidoff via minium payments in 5-6 years) . But you also have to make those purchases each month.

OK, I have a very simple question. having read through a number of these AOR threads:

I'm thinking of getting into the AOR game. I specifically want to take advantage of some 0% BT deals so I can reinvest in HSBC or ED, BUT I don't have any balances at this time.

I don't understand the transition period. How do I go about taking full advantage of a BT deal, without accruing miscellaneous finance charges along the way? I don't want to BT only my monthly charges of several thousand dollars, which wouldn't be worth the effort; but I would like to BT my annual spend. I have a high credit score and total CL of about $80k pre-AOR. How do I 'get started?'

thanks for the link(s)

Double App-O-Rama, or App-O-Rama with a Twist, or Bump-O-Rama, or App-O-Siege etc.

1. Full-fledged App-O-Rama
2. Aggressively bump daily your credit reports with as many instruments as you can get, generating several bumps a day. Also use CLI requests that do soft pulls, open banking accounts that do this (but do not pull hards). In about a month, most of the EQ and TU pulls will be gone. Check daily, and if your new accounts haven't appeared yet on the reports (usually it takes between 4 and 6 weeks between account opening and their posting on the credit reports), then...
3. Bonus App-O-Rama, preferably to other issuer than those in the first phase, and to those who are likely to not ask Exp (this is the YMMV part).

Too bad I haven't thought of it before maxing out my possible CLs due to credit/income ratio. But I have grounds to believe it would work if done appropriately.

Pros: it can virtually double the magnitude of an App-O-Rama
Cons: Exp is not responsive to this method, and the pulls are not 100% predictible; the adverse effects likelihood is increased due to the high amount of new credit (it also dramatically decreases the average account age); some accounts can be reported earlier than expected, thus forcing you not to do it, etc.

Any thoughts?