Thanks to all the members who have contributed to AOR threads.
Purpose: Priority One: Take advantage of 0% BT offers Priority Two: Bonus rewards and incentives
AOR Date: Planning to do this on 02/07/2007 (Wednesday)
Existing Accounts: Credit Card ----- Issued ----- Limit ----- Balance Bank of America Platinum Visa ----- 1/2005 ----- $15,000 ----- ~$0 Citi Professional ----- 7/ 2005 ----- $5,550 ----- ~$450 Citi Divident ----- 7/2005 ----- $7,800 ----- ~$221 Chase ----- 11/2004 ----- $5,600 ----- ~$0 Chase Flexible Rewards ----- 6/2003 ----- $10,600 ----- ~$34 DCU ----- 8/2000 ----- $7,000 ----- ~$0 Affinity Federal CU ----- 9/1999 ----- $1,500 ----- ~$0 Kohls ----- 11/2004 ----- $1,000 ----- ~$0
Total Current Credit Limit: $54,050
Personal Info: Age: 34 Annual Income: $115,000 House Payment: $999 Loans: None
Credit Score History: 02/05/06 -- TU: 738 -- EX: 745 -- EQ: 738 (I have had one late payment by 30 days more than 3 years ago and 3 hard inquiries last year)
Plan: 1) Keep overall utilization on each card to below 50% (or alternately below 75%) 2) Do not apply for cards that have an annual fee.
Cards to Apply For:
Personal Cards:
Advanta Life of Balance Platinum Card --- 2.99 for life --- BT Fee: $50 max --- Points/Miles: None --- Card Offers: $50 --- Annual Fee: None Conditions: Transfer balance within 90 days for 2.99 for life Status: Did not apply for this under personal cards. Applied for Business Card
AMEX Rewards Plus Gold --- None --- None --- Points/Miles: 25,000 pts --- Card Offers: $40 --- Annual Fee: $0 Conditions: Bonus after 500 in purchases (25,000 = 250 Gift Card), Annual Fee: $150 after 1yr. Status: Approved. No Credit Limit
AMEX Hilton HHonors® Platinum --- None --- None --- Points/Miles: 10,000 pts --- Card Offers: $40 --- Annual Fee: $0 Conditions: 10000 pts after first purchase (Note: Cancel application to get window for additional points – YMMV: Did not work) Status: Approved. CL: $7,500
Chase SonyStyle --- 0% for 12 months --- $75 max --- $100 Stmt Credit --- Card Offers: $50 --- Annual Fee: None Conditions: After first purchase. Status: Approved. CL: $13,000
Citi PremierPass – Elite --- 0% for 12 months --- $0 --- Points/Miles: 15,000 TY pts --- Card Offers: $33 --- Annual Fee: $0 Conditions: After first purchase Status: Approved for Diamond Preferred Rewards AMEX card. CL: $6,800
Citi® Diamond Preferred® --- 0% for life --- BT Fee: $75 --- Points/Miles: 10,000 TY pts --- Card Offers: $30 --- Annual Fee: $0 Conditions: Points after first purchase. 0% until 5/1/2007 and 0% for the life of the balance if 2 purchases are made every month. Note: Although this promotion is not available through card offers, I’m trying to get the $30 bonus from CO by using their link and modifying the ‘sc=xxxxxxxxxxx&’ parameter in the URL of the Citi application page to ‘sc=4DNFN636&’. I’m not sure if I’ll get the bonus, but it’s worth a try). Status: Approved. CL: $6,800
Discover Miles --- 0% for 12 months --- BT Fee: $0 --- Points/Miles: 12,000 pts --- Card Offers: $40 --- Annual Fee: $0 Condition: After first purchase and 1000 more points for every month a purchase is made. Note: I’m not sure I’ll be approved for Discover cards as I’m not a citizen/permanent resident. I was rejected before but I’m going to try one more time using the Reservation # that I received through mail. Status: Approved. CL: $8,000
Washington Mutual --- 0% through July 08 --- BT Fee: $0 --- Points/Miles: None --- Card Offers: $0 --- Annual Fee: $0 Conditions: Transfer balance within 90 days for 0% apr. Use the reservation # received in mail. Status: Approved. CL: $13,000 - reduced after initial approval of $30,000
First National Bank – Visa Signature --- 0% for 12 months --- BT Fee: $75 --- Points/Miles: 5,000 --- Card Offers: $0 --- Annual Fee: $0 Conditions: After first purchase. 6000 pts = $50 Gift Card Status: Approved. Cl: $15,000
Pulaski Bank Gold Visa® Card --- 0% for 6 months --- BT Fee: $0 --- None --- Card Offers: $40 --- Annual Fee: $0 Conditions: Transfer balance within 90 days. Status: Denied --- Need to be a U.S citizen ... Maybe I need to come into the country illegally to get citizenship!!!
Free Spirit ONYX World Mastercard (Juniper) --- 0% for 6 months --- BT Fee: $50 --- Points/Miles: 15,000 --- Card Offers: $0 --- Annual Fee: $0 Conditions: After first purchase. Upto 10,000 pts for Balance Transfers. First year fee($69) waived. Status: About to be denied. Need to be either a citizen or permanent resident. Asked for proof of permanent residency or citizenship
National Park Foundation Platinum Visa --- 0% for 12 months --- BT Fee: $50 --- Points/Miles: None --- Card Offers: $0 --- Annual Fee: $0 Conditions: None Status: About to be denied. Need to be either a citizen or permanent resident. Asked for proof of permanent residency or citizenship
CitiBusiness w/TY Network --- 0% for 12 months --- BT Fee: $0 --- Points/Miles: 15,000 TY --- Card Offers: $10 --- Annual Fee: $0 Conditions: After first purchase. Note: Close window to get additional 5000 pts. Status: Approved CL: 7,000
Gold Delta SkyMiles Business --- 9.99% for life --- BT Fee: $0 --- Points/Miles: 15,000 miles --- Card Offers: $75 --- Annual Fee: $0 Conditions: Annual fee waived for the first year. 0% for 12 months on purchases. Update: Received email regarding company verification. Status: Deferred--- Approved. CL: $3,000
AMEX SimlyCash Business --- None --- None --- Points/Miles: None --- Card Offers: $75 --- Annual Fee: $0 Update: Received email regarding company verification. Status: Deferred--- Approved. CL: $3,000
PNC Platinum Business Rewards --- 0% for 12 months --- BT Fee: $0 --- Points/Miles: None --- Card Offers: $0 --- Annual Fee: $0 Conditions: Spend $500 before 6/01/07 for statement credit. Status: Approved. CL: $7,500 Additonal line of Credit: $7,500
Bank of America --- 1.99% for 8 months --- BT Fee: $90(max) --- Points/Miles: None --- Card Offers: $0 --- Annual Fee: $0 Status: Approved (over phone - waiting for card). CL: $20,000
Total Rewards expected: Cardoffers: $573 ThankYou Points: Statement Credits: 50 + 100 ( BoA WorldPoints + SonyStyle) Points: AMEX – 35,000 pts, Citi – 40,000 Miles: AMEX – 15,000, Juniper – 35,000, First National – 6,000, Discover – 12,000
I still haven’t figured out the whole process for BT to checking. I guess I’ll plan for that after getting all the approvals. Citi, Discover, BofA allow BT to Checking Account. AMEX and Chase do not.
Any advice/comments/constructive criticism will be greatly appreciated.
Summary status: Approved Cards: 11 - Personal Cards, 6 - Business Card Denied Cards: 3 - Personal Cards
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1) i don't see any BT opportunities for AMEX in your list. i believe there is a 0% for 6 months offer for the AMEX inNYC card. 2) chase will send you a bt check with your new sony card. make it out to yourself and deposit. no worries. 3) there are a couple of 0% for 12 months bt cards with juniper. for example, this card
snafu123 said: Advanta Platinum Rewards BusinessCard MC --- 0% for 6 months --- BT Fee: $50 --- Points/Miles: None --- Card Offers: $50 --- Annual Fee: $0 --- Link
I applied for this card directly through Advanta.com and got 0% for 15 months rather than 6 months. Depending on how much you plan to BT, you might prefer that to the $50 Card Offers bonus. When i called to activate the card, i did a BT directly into my (personal) checking account, and the money appeared in 48 hours. Very good experience.
If you're looking for another BofA personal card, the Financial Rewards VISA has 0% for 6 months, with no BT fee.
WashWest said:snafu123 said: Advanta Platinum Rewards BusinessCard MC --- 0% for 6 months --- BT Fee: $50 --- Points/Miles: None --- Card Offers: $50 --- Annual Fee: $0 --- Link
I applied for this card directly through Advanta.com and got 0% for 15 months rather than 6 months. Depending on how much you plan to BT, you might prefer that to the $50 Card Offers bonus. When i called to activate the card, i did a BT directly into my (personal) checking account, and the money appeared in 48 hours. Very good experience.
If you're looking for another BofA personal card, the Financial Rewards VISA has 0% for 6 months, with no BT fee.
Thanks for the info. I have added the card to my list. I do not want to apply for another BoA card at this time.
Doesn't seem very "mini" to me, but appropriately sized. Looks very similar to the one I am planning on doing in March. A couple notes:
1) I think the fee waived PremierPass Elite deal is dead. The Citi business one has first year waved, but the personal one has the annual fee again. 2) Advanta Life of Balance is a Business card. They may only allow 1 card, double check this. 3) EmigrantDirect is a Juniper card. (1 card, double check as well) 4) Why only 1 Chase card? Why not any chase business? 5) Check your Citi Professional and Citi Dividend cards if they have FEE-FREE BT offers (via citicards.com). If they do, you can just BT your AMEX there and request a BT check to be mailed to you via citi, or just do a credit balance refund check. 6) Not to scare you off, but some have reported PNC and Pulaski not being too AOR friendly.
Do let us know how the offer code swapping in URL's goes.
Good income, good scores, little debt, I expect generally good results. I'm especially curious how well modifying the links on cardoffers will work.
Two cautions:
1) You've got three personal citi cards listed. That usually doesn't work. Might want to swap one out with another Professional card (and another business card!)
2) FNB Omaha has been denying apps on recent AORs for too many inquiries. If you really want that particular card, you may want to apply early in the process.
BTing is easy, if they can't do it straght to checking, just designate an unused citibank card (new or old) and request credit refund checks from it, it's a breeze.
1) i don't see any BT opportunities for AMEX in your list. i believe there is a 0% for 6 months offer for the AMEX inNYC card. 2) chase will send you a bt check with your new sony card. make it out to yourself and deposit. no worries. 3) there are a couple of 0% for 12 months bt cards with juniper. for example, this card
Xeon852 said:Doesn't seem very "mini" to me, but appropriately sized. Looks very similar to the one I am planning on doing in March. A couple notes:
1) I think the fee waived PremierPass Elite deal is dead. The Citi business one has first year waved, but the personal one has the annual fee again. I just checked and this offer still shows up.
2) Advanta Life of Balance is a Business card. They may only allow 1 card, double check this. I have heard about this. I'll apply for the personal card first. It's ok if I don't get the Business card. 3) EmigrantDirect is a Juniper card. (1 card, double check as well) 4) Why only 1 Chase card? Why not any chase business?
I was not aware of the fact that Juniper issues just one card. Oh! Doesn't matter. I was not sure about the BT process from Chase and opted to go for just one card for now. Maybe next time.
5) Check your Citi Professional and Citi Dividend cards if they have FEE-FREE BT offers (via citicards.com). If they do, you can just BT your AMEX there and request a BT check to be mailed to you via citi, or just do a credit balance refund check. 6) Not to scare you off, but some have reported PNC and Pulaski not being too AOR friendly.
Do let us know how the offer code swapping in URL's goes.
I do not have any fee-free bt offers left on the existing Citi cards
markkundinger said:Good income, good scores, little debt, I expect generally good results. I'm especially curious how well modifying the links on cardoffers will work.
Two cautions:
1) You've got three personal citi cards listed. That usually doesn't work. Might want to swap one out with another Professional card (and another business card!)
2) FNB Omaha has been denying apps on recent AORs for too many inquiries. If you really want that particular card, you may want to apply early in the process.
BTing is easy, if they can't do it straght to checking, just designate an unused citibank card (new or old) and request credit refund checks from it, it's a breeze. Even though I listed 2 Citi Diamond preferred cards, I'll applying for only one bringing my total citi card apps to 2. I'll move FNB to the top of my list. Thanks
snafu123 said:Xeon852 said: 1) I think the fee waived PremierPass Elite deal is dead. The Citi business one has first year waved, but the personal one has the annual fee again. I just checked and this offer still shows up. Do you have a link for it? 2) Advanta Life of Balance is a Business card. They may only allow 1 card, double check this. I have heard about this. I'll apply for the personal card first. It's ok if I don't get the Business card.
I was saying that they are both business cards - I haven't heard of any Advanta personal cards. I could be wrong, however.
Good post, good details - excellent for a newbie. I would also say that this is not a mini-AOR. You are around the size of normal AORs, and too much more and you will start getting denials.
I am guessing that you will have a long and prosperous future with FWF.
Also, PNC has a biz version of their card which you should check out. I was approved for both.
Xeon852 said:6) Not to scare you off, but some have reported PNC and Pulaski not being too AOR friendly.
I have had no problems with PNC - they even increased my personal limit from 5K to 10K with 1 phone call after I was initially approved.
The only thing to watch out for with Pulaski is to not make out their BT checks to yourself - it will get denied. You will have to wash this through a different account. I took mine into a BofA branch, paid off most of the BofA BT, and then called back in a few days later and had them do another BT to my checking account (no fees of course).
diazfranco said:It says: Annual Fee Applies You right. You can try to get the regular PremiumPass with 5000 pts, no annual fee and NO BT Fee. Although when you use card offers, you do not get no fee BT but you can change the 'sc' parameter on the application page to '4WTFS6F6'. If you the look at the terms and conditions, you should find that the BT fee is waived. Here's the final link. Hopefully you can also get $33 from card offers.
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and 3 hard inquiries last year) 
