I'm been pulling with AMEX CS and NC identity protect daily for a a few months
as of 6/22/08
EQ 3 hard 20 soft
ex 1 hard 118 soft
TU 0 hard 72 soft

For TU :
AMEX CS yesterday showed:
FIRST USA NA Banks and S&Ls 6/30/2008
ADVANTA BANK Banks and S&Ls 6/30/2008
CITIBANK USA All Banks 6/30/2008
BRCLYSBANKDE All Banks6/30/2008
US BANCORP All Banks 6/30/2008

and today for TU it only shows:
CHASE Banks and S&Ls 7/1/2008

NC only shows 3 hards from 7/1/08 and none from yesterday

tim1 said:...I have already bumped 4 TU inquires scince applying yesterday using 3 pulls between AMEX CS and NC...

I'm willing to bet those TU inquiries (maybe not all of them) show back up tomorrow or the next day. Many of us have seen TU inquiries disappear the day after an A0R (I had 4 disappear) only to have some consolidated (e.g. BRCLYSBANKDE inquiries) and others come back on the third day.

cyberkost said:Unbelieevable said:tim1 said:
Asked for 24,000 BT on most apps, I have already bumped 4 TU inquires scince applying yesterday using 3 pulls between AMEX CS and NC.
new inquires:
EX 4
EQ 5
TU 5 but already bumped 4 of them

How on earth did you bump 4 inq's the day after they appeared? Took me about 50-60 days to start seeing B* on TU, and even longer for EQ.

It's a known TU phenomenon when fresh inqs disappear for a day or two. They will come back and will need to be b*ed off properly.

I do recall reading about that now that you mention it. I was wondering if a new phenomenon had been discovered for B* that I had missed!

I alway look at the original offer terms, but I would suggest to pay it off immediately if your not sure.

some offers state "first day of the billing cycle that includes 1/1/09" etc, so I alway pay off early just to be sure.

casino187 said:I did an AOR last year and was looking back on my notes. I had a 10 month 0% RBS CC offer. My notes said the offer expires 6-17-08. I just looked at my account and my statement/billing period ended on 6-17-08. Do I need to pay the balance in full immediately? Or do I have til the due date or next closing date to pay the balance in full with no interest charges? too late?

Also, is there any way to tell when the original BT expires? without calling?

I called today and found out that the interest starts being applied the day(or day after) the statement closing date. so I've been paying interest for about 15 days or so. Not too much money, just wasn't planning on that. For some reason RBS was only 10 months and my others were 12 months.

Guys, need help; Planning to do first AOR, but need some guidance and help. Can someone post list of must apply credit cards which offers maximum BTs and rewards; and also the cards to avoid. And, also a concise step by step by summary in how to go about doing an AOR, so newbie like us can just follow the steps and make sure nothing is missed out....!!

dp1 said:Guys, need help; Planning to do first AOR, but need some guidance and help. Can someone post list of must apply credit cards which offers maximum BTs and rewards; and also the cards to avoid. And, also a concise step by step by summary in how to go about doing an AOR, so newbie like us can just follow the steps and make sure nothing is missed out....!!Better yet, why don't you give me your checking account information, social security number, and other vital info, and I'll "do the AOR for you."

OK, now that the sarcasm is out of the way, you most likely will not be spoon fed here. A "newbie" shouldn't be doing an AOR. Spend a couple of months reading through all the material available in the forums to make sure you don't miss any steps. There are threads on recommended credit cards (see the links in SIS's first post). Many of us have even given pretty detailed accounts of our own AORs. Then, when you feel you are no longer a newbie, post your plans for the AOR. There are a number of helpful folks here that would give you feedback. However, I'm pretty sure we don't want an "AOR for dummies" thread. There are just too many things that can go wrong when dealing with AOR-type money. Too many people would get in deep trouble if things were spelled out too carefully on this site (though, things are spelled out pretty plainly for those who take the time to read up).

Nosh said:A general comment/question. I'm learning and planning for my own AOR but things aren't looking good at the moment. My current outlook is that credit card issuers are cracking down on AOR-style usage. The offerings with 0%/$0 BT are shrinking literally by the day. Sometimes links to cards and applications posted in this forum are NOT accessible anymore through the main page of the bank!

By means of example, just got off an online chat with a BofA representative. I said, "a friend has your Core Mastercard, but I can't find it on your website". She said they are not offering that anymore. I then asked point blank whether they have a 0%/$0 BT card offering at all, and she admitted they don't. Funny part is, I had the application URL opened in front of me: BofA Core Mastercard (Terms & Conditions). But these URLs are not accessible from BofA's homepage, are officially nonexistent, and I was too scared to actually go through with the form and apply.

Also, issuers became tighter with regard to BT vs. cash advance. On the T&C of the AMEX Blue card I just got, it says explicitly that a check deposited in the bank counts as a cash advance. They preempted my question!

So my perception is that things have gotten quite a bit worse for AORs very recently, which is probably a predictor of the credit shrink that some talk about. Are others seeing similar things?

Sometimes we see what we want to see. I decided in my A0R in March this year to discount the opinions of those who thought A0Rs would become less successful due to the credit crunch. I think I was quite successful, although I agree it may be a coincidence.

The kind of stuff you describe above has been going on for a while now; to conclude from your data points that the overall A0R environment is continually worsening and will continue to do so is a non sequitur. Offers expire; new offers take their place. The issue you describe with AMEX has been known about for a while; I currently have nearly $50K out in 0% BT money from them right now.

You have to be determined and creative. Reading FWF a lot also helps a great deal.

2Cor521

Nosh said:For example, just got off an online chat with a BofA representative. I said, "a friend has your Core Mastercard, but I can't find it on your website". She said they are not offering that anymore. I then asked point blank whether they have a 0%/$0 BT card offering at all, and she admitted they don't. Funny part is, I had the application URL opened in front of me: BofA Core Mastercard (Terms & Conditions). But these URLs are not accessible from BofA's homepage, are officially nonexistent, and I was too scared to actually go through with the form and apply.If you were too scared to do this, how in the world will you summon up the courage to rack up tens, if not hundreds, of thousands of dollars in credit card debt when the time comes to draw the cash?

Alot, if not most, app links floating around here are 'special', and include terms not available via official channels. Submit it and it will either be approved or denied; if approved, just verify the terms before using the account.

Nosh said:...mostly by getting social proof from people who are blazing the trail...

I guess I'm one of those recent trail blazers for the BoA card you referenced (although the link you have doesn't work). I applied last week, was approved instantly and it's currently showing with my other BoA accounts. In addition, the 0% BT offer, along with the terms from the offer I signed up under, is posted with the account and is available for me to use.