YAAORT - EDLiN's Travel AOR

according to The FWF Card issuer faq Advanta limits you to 1 card. I don't know if it is correct, but something to consider. Firstnational did 54 apps in his AOR, and I am planning 75+ and my friend maybe 100-200 apps. You could add some more banks, or CUs.
You only have 3 accounts so far, so your score may take a big hit with all the new accts lowering average age.

BTing tons to any one card could raise a red flag. That was my biggest concern during the big AORs. I would spread mine out. If the BT to Debit card works with certain bank accounts, that sounds like the way to go. I would like to hear more people confirming, that say, Citi or XXX bank or CU debit cards work, before I take a hard pull to open a Citi checking acct. Citi is also SLOW with sending the refund checks, so look to lose almost 1mo in interest. BofA ACHd to my Checking within 2 days, but before the MBNA merger. There are other threads on this very topic. Debit card BTing
Getting 0% money out of cards that won't BT to checking

I have applied same strategy as you until my cards age enough to do a 0% BT AOR. I think all your Chase cards carry an annual fee. I made sure to start out with a no fee card from each issuer so I can consolidate and keep the CL and age in my credit report.

markkundinger: Thanks for the tip on other accounts. I was waiting until after my AOR to open a citi bank account for the AA bonus. Didn't know about Fidelity, so I'll look into that.

Andjen: good point. I'll see if I can get another chase card higher up the list that I can consolidate onto.

With all of this feedback (and because some of my cards may not go through from the big guys, I may look for a few more 0% cards to round out my list. I would like at least a few cards to try out the 0% thing this time around. Maybe I'll try some smaller banks or credit unions.

andhravala said: I am also looking to apply for southwest airlines cards. It will be great if you can update the thread with the links when you are ready to apply.

i will post my final spreadsheet when I am ready to go, but this should be all the current links I plan to use. I hope the formatting comes out ok.

For the southwest, I see both card offers when I log in to my account on southwest.com btw.

Southwest Airlines Rapid Rewards Visa Signature Chase 8+8 points http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=southwest_airlines&page=cont&mkid=6NV5
Southwest Airlines Rapid Rewards Visa Business Chase Business 8+8 points http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=southwest_airlines_bizcard&page=cont&mkid=6GQT
Citi Platinum Select / AAdvantage World MasterCard Citi 20k miles http://citi.bridgetrack.com/USC/06/multi/AA/plat/20_5kBM/1_8fn/default.htm?promoCode=fly&app=UNSOL&sc=4XN2B8H6&m=7TAPZJPW8NW&langId=EN&siteId=CB&B=A&BTData=C02117F726861775D564F46BBBEB2A6AD98958490FBFFF2E5EAC5C2DE67799D6&BT_TRF=394693&ProspectID=1672732C8
CitiBusiness / AAdvantage MasterCard Citi Business 20k miles http://citi.bridgetrack.com/USC/06/multi/AA/plat/20_5kBM/1_8fn/default.htm?promoCode=fly&app=UNSOL&sc=4XN2B8H6&m=7TAPZJPW8NW&langId=EN&siteId=CB&B=A&BTData=C02117F726861775D564F46BBBEB2A6AD98958490FBFFF2E5EAC5C2DE67799D6&BT_TRF=394693&ProspectID=1672732C8
US Airways Dividend Miles World Mastercard Juniper 15k+10k miles http://www.mostmiles.com/app/japply/lp/domains/mostmiles_aep.jsp?source=hpbug
US Airways Visa Signature BofA 25k miles http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=1102
Alaska Airlines Visa Signature BofA 20k miles + companion http://www.bankofamerica.com/alaska_airlines_site/index.cfm?template=cc_alaskaair_sig
Midwest Airlines World MasterCard Juniper 20k+10k miles https://www.juniper.com/app/japply/lp/15780.jsp?campaignid=0000554&obcreative=0000000&obadloc=013&obchannel=019&ibchannel=03&partnerid=011
United Mileage Plus Platinum Business Card Chase Business 25k miles http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=united_bizcard_25k_afw&page=cont&mkid=6VMT
United Mileage Plus Visa Signature Chase 25k miles http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=united_signature_25k_afw&page=cont&mkid=6VMT



Starwood Preferred Guest AMEX 10k miles http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=93
Starwood Preferred Guest Business AMEX Business 10k miles http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=1394
Priority Club Rewards Visa Signature Chase 30k points http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=priority_club_ic_30
Priority Club Rewards Visa Business Chase Business 15k points http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?mkid=6FJZ&MSC=Z0030193&partner_dir_name=priority_club_bizcard_ic&page=cont
Marriott Rewards Premier Visa Signature Chase 15k points + night http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=Marriott_premier_ic&page=cont&mkid=619C&MSC=Z0048897
Marriott Rewards Business Card Chase Business 15k points + night http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardDetails&sourcecode=7NZ4
Hilton Hhonors Platinum AMEX 15k points https://www201.AmericanExpress.com/cards/Applyfservlet?csi=4/12939/b/58/0620100015/062002414115/0/n&PID=1&EAID=EzI%2Ap8oPimU-CIoV42BY5fiQFAiGJX66Tw&CRTV=CCGHHP00001506&PSKU=HHP&afflSID=EzI%2Ap8oPimU
Hilton HHonors Visa Signature Citi 15k points + Silver VIP http://hhonorscard.com/us/cards/cardserv/hhilton/home.jsp



Advanta Platinum Business Card with Rewards Adventa Business http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=349
Advanta Life of Balance Platinum Card Adventa Business http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=1144
CitiBusiness PremierPass Card Citi Business 15k points http://www.cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=1046
CitiBusiness w/TYN Citi Business 15k points http://citi.bridgetrack.com/usc/06/citibus/thankyou/popup/15kbp/default.htm?BT_TX=1&ProspectID=51D9DE23394F4693AB97E887E379CBF1
FIA Elite rewards BofA 500 points http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=1075
Miles Card from Discover® Card Morgan Stanley 0+12k points http://cardoffers.com/introCreditCards/directory/cards/details/card.asp?id=951
Diamond reward AMEX Citi 10k points http://www.signup.citicards.com F1N9

BobbyRobert said: Its a great idea but my experience with the airline cards is that nearly all of them have annual fees that my be burdensome after the first year (but then again I am a neophyte here)

True. I didn't clarify, but I intend to close almost all of these once I get the awards and move the CL to non-fee cards. I am trying to gain points to help reduce honeymoon costs.

dbalkunjr said: NOT TRUE about limit of 2 accounts in 60 days. I wish all you people would stop saying that like it is gospel. I di my November AOR and applied for 30 and got 29 approved. Of the 29 approved were all SEVEN Citi cards I applied for. Two were business cards. The rest were personal. Ended up with $100k combined cl's just from Citi.

Thanks for the update. I added more than 2 because I had heard some people get more than 2 through, but I put them in order JIC some don't go through. Were any of the 5 personal cards Co-branded? The FAQ implies that they may not be held to the same limits.

Bumping my thread. I think I will be doing this Thursday morning, so I will post updates as it goes along. Tonight I am looking for a few more banks with 0% offers since I have quite a few already with the big banks.

Thanks Polar.

It's go time. A little later in the day than I intended, but I am starting now. Will post updates.

BofA and Juniper have given me love finally. *whew* 8 down, lots to go.

ok, now I am 5/13 instant approval. Getting much more optimistic.

Ok, I think I'm done for the day. So far my tally is:

25 applied for
6 instant approved
1 instant denied (too many inquiries)
1 confirmed denied over the phone

Chase is only seeing 3 requests, so I am a bit worried. They see at least one business (couldn't confirm which was which) and I applied for 4 business and 4 personal with them. (yes I knew i would probably be shot down on several).

I will post as I check on status. May still try one more Advanta since one was declined and the other errored one the web page. I was really hoping for the 2.99 for life to pay my car loan off.

Technologist said: any updates?



Just got back to town, so I updated the quicknotes. One card in hand, several calls and e-mails requesting more info. My Fico on Ex has dropped a TON in the last week, so I hope it recovers some fairly quickly.

Updated again, new CL is up to 225k, and i think all remaining cards are likely declined. I have requested some CLIs now, so hopefully some of those go through before my BTs.

For the nay-sayers, I got 3 new Citi and 3 new Citi Business in this AoR (had one personal already). The limit of 2 is not in stone. Chase on the other hand only gave me 1 personal and so far 1 business. The other 3 business are likely declined at this point.

My Fico's are bad, but I hope that they will begin to recover in a month or so. I will do as many BTs on business cards as I can to reduce impact on my Ficos.

Thanks robertw. I am pretty happy with it. My only complaint is the bad Chase results, including the first 2 cards (most important) being declined. Anyone think I have a shot if I re-apply soon? I don't want to miss the promotion.

I assume that a lot of these cards have annual fees, but are waived for the first year. What do you plan to do with them after the 1st year?

edlin303 said: Updated again, new CL is up to 225k, and i think all remaining cards are likely declined. I have requested some CLIs now, so hopefully some of those go through before my BTs.

For the nay-sayers, I got 3 new Citi and 3 new Citi Business in this AoR (had one personal already). The limit of 2 is not in stone. Chase on the other hand only gave me 1 personal and so far 1 business. The other 3 business are likely declined at this point.

My Fico's are bad, but I hope that they will begin to recover in a month or so. I will do as many BTs on business cards as I can to reduce impact on my Ficos.

Just how bad were you credit scores hit? Would you list them so we can see the effect?

Updated quick notes again. Ex is down almost 100 without any BTs reporting yet, so I may stick to mainly business BTs. I also got one of my lingering cards from Chase I wasn't expecting. Now I am working out how to get the $ from BTs.

mrmakochan said: OP, from what I gather you gained:

AA: 40k
Starwood: 10k
USAir: 50k
Midwest: 30k
Priority Club: 45k
Hilton: 15k
Alaska: 20k + companion pass
Citi TY points: 30k (maybe 40k)
Discover miles: 12k
SWA: 16pts

You said you were going to use all these points for reducing your honeymoon costs. What are your plans? You might want to consolidate some of them.

Well, I started it too late to use most of the points for the honeymoon after all, so I will probably just use them for ski trips now. We already booked most of our honeymoon, though the IC points can put relatives up in a HIE for the wedding.

pyro123 said: So how much money you are borrowing for a BT?you may be limited in the BT amount with the business cc, maybe take out 10% utilization BT of the personal cc.

I ended up around $75k BT out of a total of ~300k CLs. $53k on Citi business (will pay off at 11 months and move CL to other 0% card for another year of 0%), and ~13k and 9k on two personal cards. I think the 9k was on a 6mo offer. I didn't get a 0% AMEX which I am regretting, with my $75k combined CL between my 3 amexs.