After reading about everybody's AOR & BT bozana (thanks to Hindustani, darkside, and rivler), I decided to hop on the bandwagon. I plan on submitting my AOR this week after I tweak some things. My current credit scores from CreditSecure & PrivacyGuard are as follows:

CS/PG:
Experian: 761/764
Equifax: 761/765
TransUnion: 761/773

As of 12/20, MyFico reports my score is 787 (w00-h00!!!)

Age: Mid 20s
Annual Income: $60K+ (first year)
Monthly Housing Payment: $700 rent, less than 1 year of residence
No. of existing accounts: 13 (excluding the two AMEX Business cards since they don't show up on the report)
Total Credit Line: $55,275 (personal CLs)
I am carrying no balances month to month on any of the cards.
I have an outstanding student loan of $1,200 with no late payments.

My current accounts are as follows:

Card --------------- Credit Line ------------- Age (in years)
AMEX Optima -----------$2k-------------------- 10+ (parents are primary users, added on for age)
AMEX Bus. Gold --------N/A-------------------- 8 months
AMEX Bus. Plat --------$14K------------------- 8 months (did a CLI 2 weeks ago from $5K to $14)
Capital One -----------$575------------------- 8 (my first CC, and what a doozy of a CL)
Chase CashPlus? -------$7.5k------------------ 4+ (parents are primary users, added on for age)
Citi Dividend----------$13k------------------- 1+ (did a CLI and credit allocation a few weeks back)
Citi Diamond-----------$500------------------- 1+
Citi MtvU--------------$1.9k------------------ 10 months
Discover---------------$11k------------------- 5
Schwab MBNA -----------$5.7k------------------ 10 months
Bloomingdales ---------$2k-------------------- 2.5+
Macy's-----------------$2k-------------------- 6+
Dillard's--------------$400------------------- 5
Gap--------------------$700------------------- 2.5+
Bloomingdales Visa-----$8k-------------------- 2.5+ (have no idea why they converted me to a CC and gave me $8K)

Cards I'm Applying For
Card--------------------------------- Bonus --------------------- BT Offer
Chase SonyStyle---------------------- $150 ---------------------- 0% for 12 months with $75 fee
Chase Priority Club Rewards --------- $20 credit, 30K pts ------- 0% for 6 months with $75 fee
Chase Priority Club Rewards Bus. ---- 15K points ---------------- 0% for 6 months with $75 fee
Citi Diamond Pref. Rewards AMEX------ $100 ---------------------- 0% for 12 months with no fee
Citi Professional SM----------------- $150 ---------------------- 0% for 12 months with no fee
CitiBusiness PremierPass Card-------- $150 ---------------------- 0% for 12 months with no fee
AMEX Express Blue ------------------- $40 Cardoffers ------------ None (0% up to 15 months on purchases)
AMEX IN:NYC Card -------------------- $40 Cardoffers ------------ 0% for 6 months with no fee
AMEX Gold Delta SkyMiles Business --- $75 Cardoffers, 15K Skymiles - None (0% on purchases for 6 months)
AMEX Starwood Preferred Guest ------- $40 Cardoffers, 10K pts --- 2.9% for 6 months
BoA Money Return Visa Platinum ------ $30 Cardoffers ------------ 0% for 6 months with no fee
BoA WorldPoints Plat.---------------- $75 ----------------------- 0% for 12 months with 3% fee
Discover Miles ---------------------- $40 Cardoffers ------------ 0% for 12 months with no fee
PNC Platinum Business Rewards-------- $50 ----------------------- 0% for 12 months with no fee
PNC Bank Platinum Rewards ----------- $50 ----------------------- 0% for 12 months with no fee
Advanta Platinum Rewards Business---- $40 Cardoffers ------------ 0% for 15 months with $50 fee max.
Pulaski Bank Gold Visa -------------- $40 Cardoffers ------------ 0% for 6 months with no fee
First National Rewards Adv. Visa ---- $50 after purchase -------- 0% for 9 months with $75 fee

My comments are:

1. I asked in another thread about the BoA Billpay, which is touted by many as the best option for making the monthly minimum payments. I used TonySpero's link to get to FIA Card Services, but that just registers my Schwab Visa for online access, which I already had. I'm going to sign up for the BoA Money Market Savings & the $125 promo checking account. Is there a specific ex-MBNA card I'm suppose to get that allows me to pay other CCs with it?

2. I plan to hit the 89% utilization mark on my BTs.

3. I'm going to add in some Chase Business cards hopefully. I left off some cards, I'll add them in after I go through them more thoroughly.

4. IIRC, people have said that 2-3, maybe 4, Citi accounts are allowed per AOR. I have 3 existing, I hope they approve my 2 personal and 2 business ones. I want to submit my apps in this order from Citi -> Chase -> Discover -> PNC -> AMEX -> BoA -> Pulaski. I don't know if it matters??

Please chime in, positive or negative, I look forward to hearing experienced FWFers with their knowledge...

Thanks

Wow lots of no fees and cardoffers and other bonuses, good for you. How did you research your potential cards? Remember Business cards dont affect your FICO so thats a good thing. My understanding is that any BofA card will get you the bill pay. Its good to have 2 though, so that you can arrange the closing dates and max out your float. Good luck!

Hey guys, I got most of my info from the recent AORs by Rivler, Hindu, and darkside. They have some cards I omitted because I try to avoid uncapped BT fees. There's a thread also devoted to CC bonuses so check that out as well.

exo, I got in on the 30 day trial of CreditSecure so they won't let me do more than 1 pull right now, but I heard people say CS are FAKO scores. I'm going to get PrivacyGuard again for my tracking (FAKOS too probably?). I'd like to get Equifax too since they give you FICOs I believe...

I just called Discover and the CSR said I can have up to 3 different credit accounts, but they won't let me reallocate my Platinum CL if I opened up a Miles account. Can anyone confirm this? If so, it's verrrry disappointing

EDIT: Just did a quick search and found the CL Reallocation thread, didn't go through it, but the Quick Summary confirms what I mentioned, but someONE did manage to get 'consolidation' done?

I would also recommend going on an account-o-rama if you can. Once everything is said and done for me, I will be pulling in 550-600. I am not sure if it even costs you an inquiry, but its good to do while you are in the mindset.

I think you could get a lot more by doing bank sign-ups with DD requirements, but I decided not to go that route.

Thanks tasha and rivler, I'll look into your suggestions

Hindustani said:Best of luck with your AOR!!

Just curious, why apply for BofA financial rewards for $5 bonus and why not for BofA Money Return and take $30 from cardoffers? Both give 0% for 6 months with no fee. Or why the $5 a typo?

Good point, I must have thought the Money Return had a fee. I'll change that, thanks for dropping by with the info H.S.

MosDeft said:Just finished my crappy A-O-R. Only instantly approved for 3 cards and 2 of my AMEX applications had processing errors so I have no idea if they went through or not

Will update all the info in the OP later today...

The AMEX probably went through. The same thing happened to me; there is a website where you can check your application status. Look in my AOR thread for the link.

MosDeft said:Yup you are correct rivler, after I posted, I went on and checked. My Delta Skymiles Business went through and I noticed my Starwood App never got submitted so I re-did that. The IN:NYC is still in process.

I guess you had to be a real business entity for the PNC Business because they require a TIN, and I don't think putting a SS# would have worked.

I was surprised Citi didn't give me one instant approval, now I gotta fax the salary info Pulaski wants. Did you have to do the same rivler?

Yeah, I had to do that for Pulaski. One warning - they will send you BT checks, but you cannot make it out to yourself - it will get returned. I made it out to BofA, went into a branch and paid off a no-fee BT that I previously took out. A few days later, called in and got another (no-fee) BT for the amount of the pulaski BT.

I put my SSN in for PNC biz with no problems.

Something to consider on the BOA money returns card. On the application, they state that there are no fees, but when I received the card it shows a 3% fee with no cap. I rechecked cardoffers, and it notes that there are no fees only on BTs done on the application. However I chatted with a customer service rep, and he said there SHOULD be no fee during the 0% apr period. He gave me a direct number to call to confirm. I'll call later today and update.

I called a credit analyst at 1.888.807.6262, who looked over my application and confirmed that there is no BT fee. However, the terms also state that the BT MUST be done at the time of application. Maybe this is new, since others have no fee for the entire promotional period. The nice credit analysts offered to put a note on my account stating that they should waive the fee on my BT (out of courtesy) since I was not aware that the BT had to be done at the time of application. When I called the regular customer service dept to get the BT done, they said they will only waive the fee once. Fine with me... Thanks FloorsMat for the tips.

PS. I called the customer service dept twice yesterday to see if they could waive the fee, but both said it was not possible. I guess the note that the credit analyst added help a lot.