ok. In that case, can somebody tell me if I have to make a decent net income of $100-$200 after minmum payment, etc., How much total BT I should get? 50,000? 100,000? I have just 2 years of credit, have been reading about this app-o-rama and skipping because of my credit history. If I think that the the minimum BT is well over my limit, I will skip it for sometime again...

Thanks

Name: Pangloss1980
FICO and/or FAKO : 791 FICO when started 6:45 AM 7/10/07
Applied #12
Approved #2 Instant, 10 still checking (HHI 200,000+ as live with parents, but my job would lead one to expect lower HHI)
Approved %
TimeFrame: 1 hour so far
HouseHold Income: 200,000
Reported Utilization Before: under 10%
Total CreditLimit Before: $13,000
New CreditLimit from AOR: tbd
Total Credit limit after AOR: tbd
Bonuses from AOR: tbd
FICO and/or FAKO scored decreased:
Expected Income from money invested from AOR:

Name ___: MikeR397 (first AOR at age 22 with slim primary card history (one 5.5k line))
Date ___: 6/4/2007
FICO / FAKO before: 759 (EQ Fico)
FICO / FAKO after _: 585 FAKOS across the board, no adverse action yet (9-4-07)
Applied # ____: 34 (25 p, 9 b) - overdid it a bit with apps, but it was fun and will get rid of most inquiries via bumpage
Approved # ___: 19 (14 p, 5 b)
Approved % ___: 56%
New CL from AOR ___: $127,100 ($71,000 p, $56,100 b, total = x.57 HHI)
Household Income __: $220,000
# years of credit _: 5 as AU, only 1.5 as primary
# inquiries BEFORE : 0 TU + 1 EX + 0 EQ
# inquiries AFTER : 19 TU + 6 EX + 9 EQ (good results here, I can bump most off soon (19TU and 9EQ)!)
utilization BEFORE : <1%
Total CL BEFORE ___: $5,500 as primary, $88,000 including 4 other AU accounts
New CL from CLI ___: 0
Total CL AFTER ____: $132,600 ($76,500 p, $56,100 b)
utilization AFTER _: overall 40% on personal including AU accts (89% individually), overall 95% on business
Bonuses from AOR ____: ~$550
Expected AOR interest: ~$6500 gross (~$6000 after taxes (thank you tuition deduction!))

bump

bump
Reserved for future stats post.

Name ___: gumkin
Date ___: 10/29/2007
FAKO before: ~760 across the board
FAKO after _: Text PrivacyMatters TU 693 EX 721 EQ 694(almost all new cards reporting, some bt balances reporting)
Applied # ____: 32 (24 p, 6 b)(most within 4 hours, a few 3 weeks later to try to help utilization)
Approved # ___: 24 (18 p, 6 b)(4 recent still pending but likely declines )
Approved % ___: 75%
Old CL ___: $45,200
New CL from AOR ___: $232,050 ($154,050 p, $78,000 b)
Total CL ___: $277,250
Household Income __: $115,000 (CL= 2.4x)
# years of credit _: 9
# inquiries BEFORE : 0 TU + 1 EX + 6 EQ
Total BT money ____: $126,500
utilization BEFORE : 4%, all p
utilization AFTER _: 45% total
Bonuses from AOR ____: ~$300 (cardselection.com had problems during most of my apps)
Expected AOR interest: ~$5,500 gross

Misc-
Baylor Alumni, Iberia Bank and UMB gave me a combined $30k CL 3 weeks after main AOR
I signed up for FNBO business but used wrong link and only got 0% on purchases
Lifespring sent a card but could not activate it without going my local bank and filling out paperwork proving identity; too much of a hassle.
Used BT money for additional $300 bonuses and 25k UA miles (Fidelity, easy)
Expect AA soon
No problem transferring CL on Chase, AMEX and Citi (to professional) cards
Could have used more business cards and should have done them first in order in AOR

I don't know how I missed this summary thread before--

what a great idea OP

One suggestion would be to add statistics on any adverse actions after the AOR.

Some may be apocryphal but I'm reading more and more posts about lenders getting touchy. I've seen reports of closed lines, CLDs, and acct reviews. In this environment I think it would be a good idea to monitor that.

Bump. SecondCor521 got 26 approvals so far, with 4 pending. That's close to the claimed record of 29 in this thread.

Out of 35 (!) total apps (plus one freebie):
6 Chase: 3 approved, 2 pending, 1 declined
6 Citi: 3 approved, 1 pending, 2 declined
4 BofA: 3 p + 1 bus ... impressive

Wasted:
2nd CapOne Bus
2nd Nat City personal (though still pending, so I couuld be wrong)
Advanta: $2,5000 (it used to be worthwhile; has *anyone* beat this recently?)

Risky (and declined):
Principal (Infibank)

USUALLY Requires docs:
IberiaBank (Pulaski) ... no docs required (see below)

Regional only:
M&T Bank

Phone apps:
Compass
Wachovia (skipped; hence 35 apps plus the CU, though his post is numbered 1..37)

(I updated based on the post below. Also: his AOR is very well documented; definitely worth a look.)