AOR Phase 1 complete, OP updated with preliminary results (most apps are "in review").


In response to a few posts:


I chose my cards by reading posts here and looking at every single (ok, well, most of them) card available on cardoffers.

I chose mtvU and Dividend so that the cards will still be useful to me once I reallocate some of their limits back (in a few months after minimum payments free up some credit on my Drivers Edge card).

I already requested CLIs from all cards a month ago (soft pulls only).

I did not have any cards that were eligible for consolidation except the MBNA. I chose to leave those as is, since I receive BT offers at different times for those accounts.

I chose to apply for two personal Citi and two Business Citi after markkundinger's AOR results. However, I got spooked by all of the apps being in review so I skipped one of the business cards.

Annual Household Income reported as ~$350k.

FAKO scores from truecredit (still going strong for over 2 months since cancelling privacymatters) were ~770.

Oh, and I requested CLIs from most of my current creditors. In general, I was ineligible since I had already requested them a month or two ago (soft pulls). My old Associates student card gave me an instant increase of $300. The others are "in review".

ILikeDollars said:Signing up for Citi Credit Protector on my Driver's Edge card (I'm moving)


Why are you signing up for this?

hiphiphooray said:ILikeDollars said:Signing up for Citi Credit Protector on my Driver's Edge card (I'm moving)


Why are you signing up for this?he answered in your quote..it pays a benefit for moving

citi credit protector is extensively discussed here, you can call citi, etc. dont wait to be spoonfed.

hiphiphooray said:ILikeDollars said:Annual Household Income reported as ~$350k.

Is this true, or did you just say that to get approved for more?
Quite likely "gross income" do to home based business.

Mark is right. I applied for 2 personal and 1 biz in my app-a-rama and already had 2 personal from before. Got approved for all and am floating 0% on them.


markkundinger said:fotomaniak said:I don't think you can get so many citi cards in one app o-rama
probably 2 at most.

I think you can do it, 2 personal and 2 business (that's what I did).

Now, which card to apply for depends on what you want to do with it.

ILikeDollars said:but I thought a Bull Riders card was too hilarious to pass up.

Yours might be the first AOR to max out on irony. I mean, I thought I was being ironical when I got a Discover Gas card with a picture of a baby seal on front, but you win, hands down.

SUCKISSTAPLES said:citi credit protector is extensively discussed here, you can call citi, etc. dont wait to be spoonfed.

Why would I call Citi when I can ask it on here? How was I supposed to know it's been discussed extensively here?

Hey, that is one I have! What a surprise, considering my nick. Too bad there are no good rewards to go along with it, unless one frequents Vegas much, then you get a discount at the ST Experience at the Hilton.

cameron2003 said:Oh I WILL get the Star Trek card next AOR...

arouncoumar said:g10ny said:Another one bites the dust. Too bad you missed "my" strategy.
Whats your strategy?
Check this, the May 30 discussion