rasher said:So it sounds like maybe I should add another Citibank Business-type card on there...
Done. Took out Citibank Upromise (personal) and added CitiBusiness w/ TYN (business). OP updated.I would recommend applying for the CitiBusiness PremierPass (CardOffers link) instead of the basic CitiBusiness card (keep the CitiBusiness with ThankYouNetwork card on the list though). It has a BT offer of 0% for 12 months with no fee, similar to the regular CitiBusiness card, but includes 15,000 ThankYou points upon first purchase. That's in addition to the $10 check you get for applying through CardOffers. That'd put you at 30,000 ThankYou points for just one purchase on the CitiBusiness with TYN card and one purchase on the PremierPass card. The one caveat is that the CitiBusiness PremierPass carries an annual fee of $75 after the first year, so you'd need to either decide that it's worth it to you or simply cancel the card. If you decide to cancel, you might be able to reallocate the CL to the CitiBusiness with TYN card, or another business card (I haven't dealt with CitiBusiness cards, so I don't know if reallocation or conversion between them is possible).

Is there a particular reason you've selected the personal Citi cards you have? I can certainly understand wanting cards with no BT fee as your primary purpose is to take advantage of BT offers. The Citi Professional card also offers no BT fee, though no one's definitively been able to figure out whether it's a personal card or business card (Citi's new site seems to list it as a personal card and it doesn't carry the CitiBusiness affiliation; however, reallocation attempts between the Professional card and personal cards have apparently given mixed results -- see discussion here). CardOffers has a $40 cash reward for this card, which also gives 10,000 TY points with first purchase. You can also apply directly through this link to receive 15,000 TY points with first purchase. That links to an ad that people have reported pops up when you close the Professional application (though I could never get the ad to pop up). One member who recently did an AOR reported that he went to apply through the CardOffers link, closed the browser, and then applied through the pop-up, receiving 15,000 TY points and the $40 through CardOffers, though your mileage may vary. One thing to note is that the CardOffers link offers a nine-month 0% BT period. If you can get the pop-up to come up (or if you apply through the direct link), it offers 12 months at 0%.

There's also a personal version of the PremierPass. CardOffers has a $33 cash reward for the regular version as well as the elite version. The PremierPass Elite, like the CitiBusiness PremierPass, has an annual fee of $75. However, that fee is not waived for the first year. You would likely have to convert the card after making, and presumably paying off, your first purchase, which would earn you 15,000 TY points (that's in addition to the $33 from CardOffers). If that sounds too complicated, the personal version carries no annual fee. If you apply through CardOffers, you receive the $33 cash reward and 5,000 points upon your first purchase. Alternatively, you can apply at http://apply.citicards.com and use code F1A1 to earn 10,000 TY points with your first purchase (link to scan from another thread).

Anyway, those are just some of my thoughts. I'm in the very beginning stages of planning an AOR, and Citi cards have become some of my favorite cards to apply for, especially with the TY points. If you were approved for the PremierPass (business and regular personal), CitiBusiness with TYN, and Professional cards, you could receive up to $83 through CardOffers ($43 if you can't get the Professional pop-up to come up and have to apply via the direct link), as well as 50,000 TY points. If you opted for TY points over Cash Rewards, you could get an extra 5,000 points through the F1A1 code for the PremierPass; however, 50,000 points should be enough to get some a pretty decent reward or two, and at that point you'll probably want the $33 cash reward instead. One good thing about Citi cards is that for 12-month offers, you typically have 12 months to initiate the BT (you'll need to double-check this on your account). This means that you could go out and make the qualifying purchases to get points and not have to worry about losing any time off your BT period. They also allow you to select online to send a BT check directly to yourself, making BT investing easier.

As far as other offers go, some that you may be interested in are:

• PNC Select Rewards Visa Platinum Card - 12 months 0% on BT, no BT fee, $50 statement credit with $500 purchase by 6/1/07
  
• First National Bank of Omaha Platinum Edition Visa Card - 15 months 0% on BT and purchases, 3% BT fee ($75 max)
  
• Kroger 1-2-3 Rewards Mastercard - 12 months 0% on BT, 2% BT fee ($60 max)

As far as other offers go, some that you may be interested in are:

• PNC Select Rewards Visa Platinum Card - 12 months 0% on BT, no BT fee, $50 statement credit with $500 purchase by 6/1/07
  
• First National Bank of Omaha Platinum Edition Visa Card - 15 months 0% on BT and purchases, 3% BT fee ($75 max)
  
• Kroger 1-2-3 Rewards Mastercard - 12 months 0% on BT, 2% BT fee ($60 max)
  
  Thanks for the heads up on these three cards! I've added them into my original post.

ex0dus said:Why no AMEX? Best consumer protection card there is basically. Citi doesn't even compare to AMEX's high CLs.

BTW OP: I have the Kroger Card, it's pretty good! and it's NOT issued by Kroger.. it's actually issued by RBS. You'll get a CLI after 6 months of perfect history I've been told.

No AMEX because there are no 0% BT deals. The best BT offer I can find on an AMEX card is, IIRC, 4.99% fixed for life. Should I apply for AMEX even if I don't need it and don't intend to use it? If so, how many different AMEX cards can/should I apply for with a reasonable chance of success?

I plan to do a very similar App-O-Rama, so this thread is very useful for me. I may wait to see your success rate for approval, then apply for the same ones.

I have zero debt other than a $110K primary mortgage. My intent is to get as much $$$ at 0% for 12 months, then invest it in a money market fund. I have toyed with the idea of paying off my mortgage, then trying to float it the next few years at 0% using balnce transfers. The idea of a 0% mortgage is nice, but there is some risk there so I will probably just invest the money.

One question I have is that should he apply for more credit cards that do not offer 0% APR just to have more credit to keep his utilization down after he starts making all the balance transfers? or do you just not worry about your credit score between App-O-Rama's?

The idea would be to keep the mortgage floating interest free from one App-O-Rama to the next, but I agree that this is not a good idea. There is really no reason for me to consider it since my mortgage is a 30-yr fixed at 6.125%.

I have a family, considerable savings, and a house so I can't do it, but if I were in or fresh out of college with with no responsibilities or assets I would consider performing a Mega-App-O-Rama and invest the entire credit line I generated in stock options (minus a small portion to pay the monthly payments). If the options worked out you would make a huge profit, and if they didn't you file bankruptcy and start over. This would be a huge risk of course, and only an option for those with no assets or responsibilities.

kai2007 said:Congrats on being a member of FatWallet's $100k Club.

ROFLMAO

How incredibly true. admittedly $100k in household income is "peanuts" nowadays w/ 2 income families. and if on the coast, you are barely surviving at $100K, yet FWF does seem to have an inordinate percentage of 20-29 year olds in the $100K club.

i love the internet.

Those two Advanta cards you mention are the same card with two different promo offers. I applied for both, the 2nd one got rejected as a duplicate. Pick one Advanta offer and forget the other. Luckily I did the one I really wanted (0%) first.

taxmantoo said:Those two Advanta cards you mention are the same card with two different promo offers. I applied for both, the 2nd one got rejected as a duplicate. Pick one Advanta offer and forget the other. Luckily I did the one I really wanted (0%) first.

Thanks for the tip about the Advanta cards. I think I'll apply for the 0% for 15 months first.

ORGINAL POST HAS BEEN UPDATED
Just to let you all know. Cards have been reorganized by issuer and ordered in application order. I added some cards from miscellaneous issuers, two AMEX cards, and the GM Card from HSBC. Also added the CitiBusiness Premier Pass. I'm still planning on beginning this AOR tomorrow (January 12, 2007) at 9:00am CST.

You may wish to consider one of the cards issued by Barclays Bank (Delaware), f/k/a Juniper Bank. They issue a lot of airline cards -- I've got their USAirways and Frontier cards, I think they also do the Apple Store VISA.

Like the other major issuers, they will look at you as a single credit risk, regardless of the brand the card carries. I don't know their current deals, but I got a pretty generous CL (about $40K, I recollect) with a 6-month 0% BT offer and airline bonus miles (a pretty good chunk, I think). Anyway, you may want to explore.

P.S. "Do you mind if I dance with your date?"