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   posted: Jul. 20, 2006 @ 12:48p
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I’m sorry if you are sick of these threads but I just thought I’d throw out my new AOR for any comments. I started my AOR last night at 12:01 a.m. (it took about 2 hours to complete the apps online). I recently finished my last AOR in May and completed some consolidation in the hopes of increasing the odds of getting more Chase/Citi Cards. Current Fico scores are in the 760s.

Here are my current cards/CLs:
Chase Cash Rewards $27 K
Chase Cashbuilder $22 K
Citi AT&T Universal Card (to be converted to Dividend card) $29 K
Citi Upromise $20 K
MBNA $27 K
Discover $6 K
BOFA money return $21 K
AMEX NYC Card $6 K
AMEX Blue $500

Cards I applied for this morning:

AMEX Business Cash Rebates - $75 from Card Offers (‘CO”); 12 mo 0% BT -deferred
AMEX Starwood – instant approval 25K CL
AMEX Preferred Gold – 10K points; $40 from CO $130 an. fee; instant approval; CL not stated
AMEX Plat Business – 12 mos 0%; $75 from CO- deferred
Citi PremierPass Card - Elite Level $40 card offers 1500 bonus points deferred
Citi Professional Card ($100 gift card +$40 and 0% APR for 12 months) deferred
Citi Business – 15K bonus points; 0% 12 mo BT; deferred
Citi Busines Premier Pass – 15k bonus points; 0% 12 mos BT- deferred
At&t Universal Card - $100 and 12mo 0% BT -deferred
Penfed Credit Card – instant approval $15K
Advanta Platinum BusinessCard ; $50 from CO; 0.00% BT: instant approval; CL not stated
Chase Sony Styles $100 cash and 12mo 0% BT – instant approval $5K CL
Chase Marriot Rewards Visa 15000 bonus points -deferred
Chase Cash Rewards Plus 0% 12 months $100 - code 2YL -deferred
Chase Business Card cash rebate – 3% Cash Back at restaurants- deferred
Bank of America Power Rewards – 6 mo 0%; 30 from co- deferred

4 instant approvals and most deferred. I am very interested to see how many (if any) Citi/Chase cards I will get. I will update.

   posted: Jul. 20, 2006 @ 12:48p

Raven1 said:Results: WOW! 19 applications and 19 approvals:

AMEX Business Cash Rebates – Approved $15K; $75 from Cardoffers + $50 bonus

AMEX Starwood – Approved $25K; $40 from Cardoffers + 4000 bonus points

AMEX Preferred Gold – Approved - no spending limit; $40 from Cardoffers + $100 Gift Card

AMEX Plat Business – Approved $3K; $75 from CardOffers

Citi Premier Pass Card – Approved $5K; 0% BT/ 12 months /no fee; I immediately called and reallocated 25K from my existing Div card for a $30K CL; $40 from Cardoffers + $150 Gift Card.

Citi Professional Card – Approved $1.9K; 0% BT/ 9 months/no fee; $40 from Cardoffers; $100 Gift Card; will probably use for 3% Cash Back for restaurants.

Citi Business TY – Approved; $4K; 0% BT/ 12 months/no fee; $10 from Cardoffers; $100 Gift Card

At&t Universal Card – Approved $10K; 0% BT/ 12 months /no fee; $40 from Cardoffers + $100 Gift Card

Penfed Credit Card – Approved $15K

Advanta Platinum Business Card -Approved $12.5K; 0% BT/ 15 months /$50 fee

Chase Sony Styles – Approved $12.5K; 0% BT/ 12 months /$75 fee; will reallocate from another card; $100 bonus.

Chase Marriot Rewards Visa – Approved $25K; 1 free night; 15K rewards points.

Chase Cash Rewards Plus - Approved $11.5K; reallocated 22K from existing card for a 33K CL.; 0% BT/ 12 months /$75 fee; $100 bonus

Chase Business Card cash rebate – Approved $10K; 0% BT/ 12 months /$75 fee.

Bank of America Power Rewards – Approved 10K; 0% BT / 6 months/ no fee; will reallocate $20K from existing BOFA card; $30 from Cardoffers

Additional applications – a week later:
Fidelity 529 – Approved $10K (automatically lowered a CL on an existing MBNA line by 10K)

Cap One – Approved $10K; targeted offer; 0% BT/ 12 months /no fees.

Jupiter Orbitz – Approved $31K; sweet! - 0% BT/ 12 months /no fees.

Discover Card Miles - Approved $10K; 0% BT/ 12 months /no fees; $40 from Cardoffers; will reallocate from existing Discover card.

Closing thoughts:

• $208K in new credit and even more available for 0% BTs after I reallocate existing CLs to these cards. I am surprised that I got additional Citi and Chase cards. It may have helped that I consolidated prior to the AOR. The credit lines on some are low but provide the perfect vehicle to move existing CLs to these cards for 0% BT transfers.

• Bonuses: $400 form Card offers and about $1000 in Gift cards/cash/points.

• I might have been a little too aggressive on the cards I applied for. I don’t travel much so I need to find a way to use Starwood and Marriott Rewards benefits. I will probably move most of these Credit Lines to other cards for BTs if possible.

• Probably didn’t need Penfed since I should easily be able to use other cards to BT to (with no fees).

• In my haste I didn’t realize that the AMEX cards were 0% for purchases only; oh well, at least I made decent Card Offer/cash/point bonuses on those cards

• It is interesting that I got approval for the Fidelity, Cap One, Discover and Jupiter card (because I applied for these cards over a week after the AOR started. All of the other applications were completed online on the same day.

• I need to decide what should be in my wallet. My thoughts are: existing Citi Dividend card for food and gas (5%); Citi Professional for restaurants (3%); and Fidelity 529 for all other purchases (2%).

• The last decision is how aggressive to be on utilization (always tempting to max it – especially with low risk rates at 5%). I usually go to about 90% and have never had any problems. However, that might just be luck that could easily run out.
Copied here from page two for quick reference.

   posted: Jul. 20, 2006 @ 12:51p
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Raven1 said:I’m sorry if you are sick of these threads but I just thought I’d throw out my new AOR for any comments. I started my AOR last night at 12:01 a.m. (it took about 2 hours to complete the apps online). I recently finished my last AOR in May and completed some consolidation in the hopes of increasing the odds of getting more Chase/Citi Cards. Current Fico scores are in the 760s.

Here are my current cards/CLs:
Chase Cash Rewards $27 K
Chase Cashbuilder $22 K
Citi AT&T Universal Card (to be converted to Dividend card) $29 K
Citi Upromise $20 K
MBNA $27 K
Discover $6 K
BOFA money return $21 K
AMEX NYC Card $6 K
AMEX Blue $500

Cards I applied for this morning:

AMEX Business Cash Rebates - $75 from Card Offers (‘CO”); 12 mo 0% BT -deferred
AMEX Starwood – instant approval 25K CL
AMEX Preferred Gold – 10K points; $40 from CO $130 an. fee; instant approval; CL not stated
AMEX Plat Business – 12 mos 0%; $75 from CO- deferred
Citi PremierPass Card - Elite Level $40 card offers 1500 bonus points deferred
Citi Professional Card ($100 gift card +$40 and 0% APR for 12 months) deferred
Citi Business – 15K bonus points; 0% 12 mo BT; deferred
Citi Busines Premier Pass – 15k bonus points; 0% 12 mos BT- deferred
At&t Universal Card - $100 and 12mo 0% BT -deferred
Penfed Credit Card – instant approval $15K
Advanta Platinum BusinessCard ; $50 from CO; 0.00% BT: instant approval; CL not stated
Chase Sony Styles $100 cash and 12mo 0% BT – instant approval $5K CL
Chase Marriot Rewards Visa 15000 bonus points -deferred
Chase Cash Rewards Plus 0% 12 months $100 - code 2YL -deferred
Chase Business Card cash rebate – 3% Cash Back at restaurants- deferred
Bank of America Power Rewards – 6 mo 0%; 30 from co- deferred

4 instant approvals and most deferred. I am very interested to see how many (if any) Citi/Chase cards I will get. I will update.

Good luck, I like your mix of cards, seems like a lot of bonuses and 0%. Are all these no fee BT or do some have fees?

   posted: Jul. 20, 2006 @ 1:47p
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the last time I applied for citi cc (few months ago), I was asked to call CSR and from the conversation, the CSR approved my application but with limit on the CL since I already have a huge limit on all Citi cards.

Interesting to see how many (if not all) of all Citi cc that you applied got approved.

   posted: Jul. 20, 2006 @ 2:21p
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Chase Cash Rewards Plus 0% 12 months $100 - code 2YL -deferred

They ok'ed this code still....good to know since I want to add another one of these in a couple of weeks and will try this one...

   posted: Jul. 20, 2006 @ 2:47p
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Raven1 said:I recently finished my last AOR in MayThat is just 2 months ago. How many inquiries do you have before this AOR? If you have alot, won't you get denied for too many inquiries?

   posted: Jul. 20, 2006 @ 3:04p
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I waited until the credit reports showed only a couple of inquires over the last 12 mos. Obviously, if they look at inquires over the past 2 years, they will see many more.

   posted: Jul. 20, 2006 @ 3:07p
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Just curious, what's your income level that allows you to get nearly $200K in credit?

   posted: Jul. 20, 2006 @ 3:24p
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Raven1 said:I waited until the credit reports showed only a couple of inquires over the last 12 mos. Obviously, if they look at inquires over the past 2 years, they will see many more.

How did you do an AoR two months ago and only have a couple of inquiries in the last 12 months?

   posted: Jul. 20, 2006 @ 3:30p
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SlimJr said:Raven1 said:I waited until the credit reports showed only a couple of inquires over the last 12 mos. Obviously, if they look at inquires over the past 2 years, they will see many more.

How did you do an AoR two months ago and only have a couple of inquiries in the last 12 months?

I think Raven's talking about May 2005, not 2006.

   posted: Jul. 20, 2006 @ 3:32p
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highmktgoods said:SlimJr said:Raven1 said:I waited until the credit reports showed only a couple of inquires over the last 12 mos. Obviously, if they look at inquires over the past 2 years, they will see many more.

How did you do an AoR two months ago and only have a couple of inquiries in the last 12 months?

I think Raven's talking about May 2005, not 2006.

I would not consider 14 months ago to be "recent"...

   posted: Jul. 20, 2006 @ 3:32p
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SlimJr said:Raven1 said:I waited until the credit reports showed only a couple of inquires over the last 12 mos. Obviously, if they look at inquires over the past 2 years, they will see many more.

How did you do an AoR two months ago and only have a couple of inquiries in the last 12 months?

He finished his AoR a couple months ago, which means he probably filled out the apps between 1-2 years ago.

   posted: Jul. 20, 2006 @ 3:49p
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He finished his AoR a couple months ago, which means he probably filled out the apps between 1-2 years ago.

that's right, I had 16 inquires in May 2005 which disappeared from the credit report in June 2006.

   posted: Jul. 20, 2006 @ 4:26p
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Citi may balk at all the apps, but as long as only 2 of them are for personal cards you might be OK there. Chase approved me for 3 cards I applied for at the same time, although it took them a while and I wasn't automatically approved for anything. Also, if you look at the fine print for the Sony card, if they approve you instantly you get your account number and a temporary $5k credit line. The actual credit line may well be higher than that. (Mine wasn't, but it was my first AOR and my credit history is relatively short.)

   posted: Jul. 20, 2006 @ 4:41p
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If you applied for the citi prof. card today, I would apply again tomorrow (so that you get 2 cards in this AOR). Should only pull 1 report for the 2 aps.

 

   posted: Jul. 20, 2006 @ 4:53p
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I have many of those cards and was going to apply for a Citi Professional Cash Back Card and a Chase Professional card in October 2006 since I applied for my last cards at the end of August in 2005. Since Citi was discontinuing the AT&T Universal Cash Rewards they converted it to a Dividend card. So now I have 2 Dividend cards. I asked if I could convert the 2nd one to a Professional and they said no, that I had to re-apply since Dividend is personal and Professional is business.

I was wondering how you got the got $100 gift card and bonus $40 for the Citi Professional? Is the Citi Professional that your applying for the one w/ points? or the Cash Back one that I'm applying for? I was going to apply off Citi's website here:

https://www.accountonline.com/ACQ/Chooser/LearnMore?siteId=CB&CARD_KEYS=6E4ZE266-G

but if there is somewhere I can apply and get the bonuses please let me know.

Good luck w/ all your applications and let us know which you get approved for.

   posted: Jul. 20, 2006 @ 5:28p
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BlkBimM3r said:I have many of those cards and was going to apply for a Ci.

I was wondering how you got the got $100 gift card and bonus $40 for the Citi Professional? Is the Citi Professional that your applying for the one w/ points? or the Cash Back one that I'm applying for? I was going to apply off Citi's website here:

https://www.accountonline.com/ACQ/Chooser/LearnMore?siteId=CB&CARD_KEYS=6E4ZE266-G

but if there is somewhere I can apply and get the bonuses please let me know.



To get the extra $40 bonus sign up for cardoffers.com. You will find the bonuses under the cash rewards section. Make sure you click the green apply button to get the $40.

https://www.cardoffers.com/introMembers/login.asp

   posted: Jul. 20, 2006 @ 5:44p
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Thanks a lot! I'll sign up for cardoffers before I apply! How about the $100 gift card? is that separate? I didn't see it on cardoffers.

Edit: too bad the only Citi Professional on there is the points network one. I want the Cash Back one. Thanks anyway.

I am going to try to apply for the Citi professional (points) and get the $100 GC w/ first purchase and $40 through card offers. I will then call Citi and ask to convert to the Citi Professional Cash Back card instead of the Citi Professional Thank you points . They are the same card but one gives cash and one gives points so conversion should be OK. I rather get cash so I can spend it on anything vs gift cards that are only good at the qualifying merchants or the points for merchandise I may not want in the booklet.

   posted: Jul. 20, 2006 @ 5:50p
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What income are you guys reporting? It has to be a couple hundred thousand dollars a year since I have a score of 780 or so and report $150K and only get $9-$12K CL. My max is $15K and that's after having the card for years.

Granted I haven't exactly pushed for super high CL but you guys are getting instantly approved for way more than I do.

   posted: Jul. 20, 2006 @ 5:54p
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Raven1 said:I’m sorry if you are sick of these threads but I just thought I’d throw out my new AOR for any comments. I started my AOR last night at 12:01 a.m. (it took about 2 hours to complete the apps online). I recently finished my last AOR in May and completed some consolidation in the hopes of increasing the odds of getting more Chase/Citi Cards. Current Fico scores are in the 760s.

Here are my current cards/CLs:
Chase Cash Rewards $27 K
Chase Cashbuilder $22 K
Citi AT&T Universal Card (to be converted to Dividend card) $29 K
Citi Upromise $20 K
MBNA $27 K
Discover $6 K
BOFA money return $21 K
AMEX NYC Card $6 K
AMEX Blue $500

Cards I applied for this morning:

AMEX Business Cash Rebates - $75 from Card Offers (‘CO”); 12 mo 0% BT -deferred
AMEX Starwood – instant approval 25K CL
AMEX Preferred Gold – 10K points; $40 from CO $130 an. fee; instant approval; CL not stated
AMEX Plat Business – 12 mos 0%; $75 from CO- deferred
Citi PremierPass Card - Elite Level $40 card offers 1500 bonus points deferred
Citi Professional Card ($100 gift card +$40 and 0% APR for 12 months) deferred
Citi Business – 15K bonus points; 0% 12 mo BT; deferred
Citi Busines Premier Pass – 15k bonus points; 0% 12 mos BT- deferred
At&t Universal Card - $100 and 12mo 0% BT -deferred
Penfed Credit Card – instant approval $15K
Advanta Platinum BusinessCard ; $50 from CO; 0.00% BT: instant approval; CL not stated
Chase Sony Styles $100 cash and 12mo 0% BT – instant approval $5K CL
Chase Marriot Rewards Visa 15000 bonus points -deferred
Chase Cash Rewards Plus 0% 12 months $100 - code 2YL -deferred
Chase Business Card cash rebate – 3% Cash Back at restaurants- deferred
Bank of America Power Rewards – 6 mo 0%; 30 from co- deferred

4 instant approvals and most deferred. I am very interested to see how many (if any) Citi/Chase cards I will get. I will update.

Why are you applying to cards without a 0% into rate and fees on BT's or BT's with rates above 0% let alone 5%?

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