g10ny said: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?

Definite green for creativity. I love that you are strategizing for new ways to exploit this more. One major concern I have is that all the BT 0% periods I have seen except for select Citi cards start the clock from the time you apply. Many, many others only waive the fee at the time you apply only. So I'm not sure I'd be willing to give up 6-8 weeks of my 0% period and possibly having to pay $75+ BT fees just so I could try to grab a second round of cards.

Another con is even though you won't get rejected for "too many inquiries" you could still get rejected for "too many new accounts".

Don't let my skepticism stopy you. Try it out if you wish and document it in your own AoR thread.

g10ny said:The key is to do this BEFORE the new accounts post into the credit reports!

Isn't that a pretty tall task to bump a dozen or two inquiries off your credit report BEFORE your new CCs show up and apply for all new cards again? Plus you'll bump up against the "we're sorry, you can only get X # cards in 60 days" notice too.

I thought SIS in another thread said bumpage took quite a while to pull off cleanly.

I've never played the bumpage game myself and for some reason I thought someone once told me I wasn't supposed to talk about it on this forum. I'd run it past SIS and if he approves give it a try (or just give it a try if you want even if he doesn't approve )

asdf9876 said:g10ny said:The key is to do this BEFORE the new accounts post into the credit reports!

Isn't that a pretty tall task to bump a dozen or two inquiries off your credit report BEFORE your new CCs show up and apply for all new cards again? Plus you'll bump up against the "we're sorry, you can only get X # cards in 60 days" notice too.

I thought SIS in another thread said bumpage took quite a while to pull off cleanly.

I've never played the bumpage game myself and for some reason I thought someone once told me I wasn't supposed to talk about it on this forum. I'd run it past SIS and if he approves give it a try (or just give it a try if you want even if he doesn't approve )

I'll be open to suggestions to delete my own post

1. If the lines are not posted yet, it doesn't matter if you initiate the BTs or not. They will be invisible anyway. Don't worry about that.
2. I'd recommend grouping the same issuers into the same stage of the hypothetical bump-o-rama. Remember, even though the credit reports won't tell anything about the recent activity, if you apply again to the same issuer, it will KNOW what your current standing with it is. Even more, theoretically it has access to your previous pull (4-6 weeks ago) and therefore view your other possible pulls occurred before this issuer pulled your record.

I have a limited evidence about the workability of this method. As I said before, I reached the limits allowed for my (tiny) income in a previous AOR, I've done a few apps about 6 weeks ago, and last week I was almost spotless as far as EQF and TU concerns. And I said, wth, and did a few applications. Citi approved one, the CLI on another Citi seems not to be approved, I suspect because I have reached their limit, and a CU approved me for what I asked, $5K. The next day, they pulled my EQ CR again, it was still approved but with only $1K (unfortunately they asked about individual, not household income).
Unfortunately, I was turned down again by HSBC's Direct Rewards...

I already expressed my concerns. The split file is another one (thanks for contributing to your own thread ). Anyway, I truly believe it is risker than the regular AOR.

Being mainly a theorist, I estimate this as being about the last thing that can really be done in terms of AORs. Risk (and what risk...) is definitely worth to be taken into account. Comes with the whole package.

nm

g10ny said:1. Yo start the bumpage before the actual AOR. That way, you will have clean records and you'll be ahead in bumps (the "gaps" will likely to be already filled, thus needing less bumps to go off) .
2. You use several "guns" (hence you "besiege" the CRs), therefore you'll have an accelerated bumpage (several a day on each CR). Usually it takes about 3 months to get it. That way, chances are you'll get it sooner.
3. This interval is about the same order of magnitude as the time needed by the new CLs (those acquired in the first stage of AOR) to land on the CRs.

I am sorry this method is not of the type DaveHanson would practice, but...And you would think this...why?

Not to pick on you at all. I appreciate your high quality posts here at FWF. I've just been puzzled with the several posts here recently that allegedly channel my thinking, even when it's thinking I wouldn't recognize...

Not only is their validity to your approach, but I DO in fact "practice" variations on this technique. It's especially useful when you get a tasty offer or two just weeks after doing a little AOR, and want to get in "under the wire".

I keep privacygaurd and truecredit BOTH paid up ($99 year) in part to get the extra dose of bumpage that comes in handy in such situations. It's paid for itself many, many times over. Anyway, I truly believe it is riskier than the regular AOR.Let's be sure to keep our terms & categories clear here.

As I understand it, you're exploring the use of a single tactic (bumpage) that can help a person get more mileage out of a technique (AOR). There's nothing "riskier" about using it --indeed, all else equal, it mitigates risk by cleaning up those nasty little inquiries quicker than would otherwise be the case.

Now, what WOULD be riskier would be to try to stack a second, full-blown AOR #2 on top of just finished AOR #1. But that's despite bumpage, not because of it. What might work well would be to, say, take the best five apps, do lots of bumpage, then take the next 2-3 best ones that show up after the first wave of 5.

Card-O-Rama

Default-O-Rama

Penetentiary -love-O-Rama

Goals:
1) AOR with Focus on sign up bonuses. With a relatively short(<2yrs), but gleaming(no late payments, student loan deferred) credit history with revolving accounts, I decided large CL's(for use with 0% BT offers) would be unlikely. Cash and Cardoffers checks are preferred, but with a consolidated school loan, TY pts are just as good with student loan rebates. Not huge on the miles thing, but maybe you can convince me otherwise.
2) Establish lines of credit with different banks for future AOR's.
3) A few lucrative rewards cards(Fidelity 529, HSBC)

HAVE
Personal
Chase Rewards Plus Visa (2,000)
Citi Diamond Preferred Mastercard (9,800)
Citi MtvU Visa (500, but CR shows 4,000)
Discover Student Card (2,500)
Business
Advanta Platinum Business Mastercard (2,500)
(Citi, Discover and Advanta's were obtained about 5 months ago)

DESIRE (20 accounts)
Personal
AMEX Blue Cash ($40 thru Cardoffers) - APPROVED (2,000)
AMEX Preferred Rewards Gold ($40 thru Cardoffers, $100 gift card) - DECLINED (Duplicate App? see below)
BofA World Pts Platinum Plus($75 after 1st purchase) - APPROVED (2,000)
Chase Cash Plus Rewards Visa ($100 after 1st purchase) - DECLINED (too many recent apps, see below)
Chase Cash Plus Rewards Mastercard ($100 after 1st purchase) - DECLINED (same)
Citi AT&T Universal Rewards (10k TY pts after 1st purchase) - APPROVED (2,800, 0% 12 months)
Citi Professional ($40 thru Cardoffers, 10k TY pts) - APPROVED (2,500, 0% 9 months)
Discover Miles ($40 thru Cardoffers and 12k miles) - DECLINED (not long enough history w/Discover)
Fidelity 529 Rewards Card (No bonus?, but 2% CashBack to 529 acct) - APPROVED (2,000)
First USA United Milage Plus Visa (25,000 miles after $250) - APPROVED (2,800)
HSBC Direct Rewards Mastercard (no bonus?) - APPROVED (no details)
Pulaski Bank Gold Visa ($40 thru Cardoffers) - Didn't Apply
Sony Rewards Card ($100 after 1st purchase) - APPROVED (6,000)
WaMu Providian (for monthly credit score) - DECLINED (no details in letter, not writing)

Business
AMEX Blue Cash Business ($75 thru Cardoffers) - APPROVED (3,000)
AMEX Gold Reward Business ($100 statement credit after $100 spent,$50 in AMEX pts, $150 Tiger Direct gc) - APPROVED (No Pre-set Spending Limit)
CitiBusiness with TY Network (15k TY pts) - APPROVED (4,000)
CitiBusiness PremierPass (15k TY pts) - APPROVED (4,000)
First USA United Mileage Plus Business Card (25,000miles after $250) - APPROVED (10,000)

Checking/Savings Accounts
BofA MyAccess Checking, Regular Savings (for $250 bonus) - APPROVED
Chase B&M Checking Account ($100 bonus after 10 days) - APPROVED

Total Possible Bonuses from 20 Accounts
$275 check from Cardoffers
$825 cash/statement credits
50,000 ThankYou Points
$150 AMEX Points for GC's
$150 Tiger Direct GC
50,000 Miles

Total Recieved Bonuses from 14 Accounts
$155 check from Cardoffers
$625 cash/statement credits
50,000 ThankYou Points
$50 AMEX Points for GC's
$150 Tiger Direct GC
50,000 Miles (1-2 tix, depending on flight)

App Issuer Count
AMEX - 4
Citi - 4
Chase - 4(United Mileage are Chase)
(the rest are individual)

Current(10/17) FAKO scores are EX - 728, EQ - 707 and TU - 695. These have risen from 655, 643, and 673 since 7/17. I realize most who begin AOR's begin with FICO's in the 740+ range, but in hope of obtaining large credit limits and 0% offers for BT game. I am merely seeking approvals. I realize waiting another 2-3 months would solve this, but I am a little worried about a few of the bonuses disappering(mainly $200 from ill-fated 5% Chase cards). Resources like SIS's webpage, and other AOR threads have been a great help thus far. Also, suggestions for other cards/bonuses is much appreciated.

Completed before Bonus-o-rama: Re-allocated 5k of 5.5k from MtvU to Diamond Preferred to create 9.8k CL. I don't eat/go to movies more than $500/month anyway. Balance reports to CB's on 11/04, at which I will pull the trigger. After last new app, I then plan to request CL increase on Chase from 2k -> 10k CL with updated new household income of 65k(from 21k, now that I have 2 housemates). I figure having a CL near 10k would be helpful before beginning.

Update(11/5):
Started this morning with Chase Cash Plus cards, as they were the only two that required calling in. Then applied for business cards, then other personal cards that had best bonuses first. As you can see, my spree resulted in a lot of deferred decisions, but I am happy with 3 of 4 AMEX's already approved. CL's are a little low, but I was merely going for bonuses. Was dissapointed that Citi AT&T Universal Rewards changed their offer on Cardoffers from $40 and 10k TY points to $30 and 6k points, so I went with direct link that just gives 10k points. After all the apps, I called Chase about my Rewards Plus and asked for a 10k CLI. Decision wasn't instant, so I will know in a few days.

Currently
Scores(Privacy Matters, pulled daily, major updates below)
TU - 695, EX - 728, EQ - 703 (11/4)
TU - 686, EX - 713, EQ - 684 (11/5)
TU - 688, EX - 697, EQ - 688 (11/7)
TU - 671, EX - 697, EQ - 673 (11/15)
TU - 669, EX - 694, EQ - 671 (11/26)
TU - 696, EX - 719, EQ - 704 (12/1) Bumpage?!

Available Credit
17,300 -> 60,600(so far)

Notes
1) Completing this spree during a weekday might have helped get more instant decisions. Any thoughts on this?
2) I started this morning thinking that my Citi Diamond CL would be showing 9800, as it should have been reported yesterday. Turns out it wasn't, and the 9800 showed only on Equifax. A ~10k credit line make have helped a bit.
3) The AMEX Preferred Rewards Gold that I applied for through Cardoffers somehow got recieved as another app for Gold Rewards Business. They declined because of duplicate app, and I'm really not sure how it happened.
4) Chase declined both apps or Cash Plus Rewards, claiming a duplicate app and too many recent inquiries. Others have been accepted for both Visa and MC, and these were the first two cards I applied for. Again, maybe the weekend caused them not to pull my credit until Monday. Who knows.
5) Haven't heard back on my 10k CLI request on Rewards Plus, or CL on HSBC yet.