scott1961 said:Also which are the best cards there that give instant decision with line, Figure those would be the best to get as calling in few weeks for an increase probably wont workRemember:

If you call to appeal within 30 days, they won't pull another credit report. So no need to worry about the magic having been lost.

Also your MBNA balance shouldn't post until after your Nov 9 billing cycle close date. So you'll be OK for even a "rolling" regular AOR until then, save for inquries--which themselves won't be much of an issue if you only apply for a handful of cards, especially if they are spread out over the three CRAs (which you can check each morning using your credit check memberships).

scott1961 said:Is pretty cool having the membership.Indeed. My new totals are Experian 7 Equifax 2 TU 1. Shoot. Experiean is the only CRA immune to "bumpage." And 6 of your 7 Experian inquiries were in the last 6 months, with 6 being a common "too many" number for <6mo old inquries.

So, you'll want to avoid any more Experian inquiries if at all possible. Do Certain issuers tend to always pull from same agency? If they tended to, Which my list shows they have, Then it would seem like a good idea if we could compile a list of who pulls from who.Yes, and such lists exist. Alas, IME they are far from reliable.

You can always ask the CSR if applying by phone. Sometimes a sharp one will know.

DaveHanson said: And 6 of your 7 Experian inquiries were in the last 6 months, with 6 being a common "too many" number for <6mo old inquries.

Ok Dave, You got me a little worried about my Experian so just went to MyFico and paid to pull it. At least they only showed 6, did not have that old Everbank one. Have now added 7 new cards in my little AOR and calling it quits for now. MyFico shows my Experian droping from 816 to 773, So does not seem terrible for all these inquires. Now will just have to wait and see what that big cash advance will cost me in points. Hopefully all the new credit I am getting will offset drop somewhat. My total utilization should be under 30%

MilesHeighway said:OMG. Scott doing a real AOR.
No one can prove a thing and besides I call it my Accidental-Application-O-Rama. But in the last week including the MBNA card I have increased my total Credit by $194,500 and still waiting for my limits on a couple other cards. Not sure how all this happened, Kind of snowballed on it's own I think

Ok, I suppose I could parse through Scott's statements and post it in the quick summary but since Scott knows his own information better than anyone else...could we purty please get a line item listing of what cards you applied, accepted/declined, credit limit, etc (if you had to close a card or two to get it (like your Quantum)).

Thanks a bunch.

I'm not a high roller but hope to be some day and it'd be much easier to digest that way. Great work Scott, Dave, and SIS.

--Asdf

asdf9876 said:Ok, I suppose I could parse through Scott's statements and post it in the quick summary but since Scott knows his own information better than anyone else...could we purty please get a line item listing of what cards you applied, accepted/declined, credit limit, etc (if you had to close a card or two to get it (like your Quantum)).

Ok I will put it in my OP

Could we change the title. This is NOT an App-O-Rama. One large balance transfer is not an App-O-Rama. An App(lication)-O-Rama, requires multiple Applications at once, by definition. This is not that.

This is one single large balance transfer.

Seriously, App-O-Rama and Balance Transfers are 2 different things and one is not a necessary nor sufficient condition for the other to occur.

dk240t said:Could we change the title. This is NOT an App-O-Rama. One large balance transfer is not an App-O-Rama. An App(lication)-O-Rama, requires multiple Applications at once, by definition. This is not that.

This is one single large balance transfer.

Seriously, App-O-Rama and Balance Transfers are 2 different things and one is not a necessary nor sufficient condition for the other to occur.

Lighten up and read the whole thread.

If it's accidental, let me give you another << bump >>

SUCKISSTAPLES said:

Scott expect a 100+ FICO/FAKO drop when the balances start reporting, taking you into the mid/upper 600s. Dont be scared, it happens to the best of us I would stay under 50% overall utilization and about 90% individual utilization...
That is my plan and am looking to get that overall utilization to be even lower than that, I plan on calling AMEX today and hoping by providing docs I can get a substantial boost. I must get at least a half dozen offers from them a month and then I finally apply and they give me a crappy $11,500 line? Was hoping since my FICO's were above 800 when I started that even with the drop I would at least stay in the 700's. I guess I will have to learn to live with 600's, Seems I will be in good company here Since I don't plan on ever needing to borrow it should not matter. And if a good RE or business opportunity came up I still have my free an clear $750k+ house I could borrow off of, Yes I know another dumb mistake, I do kick myself for not taking something out on it when rates were super low. Just out of curiosity if I were to pay all balances to zero how quickly would my score recover? Thanks for all the help