Yes, I've already done it...yesterday. I put all of my time and focus into researching and didn't have a chance to get a thread put up before moving forward, and I just wanted to get it done and then post the results for everyone to see and use for future reference.
I spent about 20 hours in the last several days putting this together, basically every moment of free time I had was devoted to checking out offers and compiling the spreadsheet I ultimately used yesterday morning when I began applying. I want to thank EVERYONE who has posted their AOR information, and hope that others can learn from mine just as I learned from other previous AOR threads. This was my first ever AOR, however, if things continue to go as well as they have thus far, another one will be in my future.
I had several reasons for doing this: 1. Rewards - Gift Cards, miles, statement credits, etc. 2. Needed to transfer some balances (see linked thread above for example) 3. Extra credit room/promos for BT to checking for placing in high yield savings accts (ELOAN, AMTrustDirect, iGO)
Credit Scores Before (FAKO): Trans: 760 Equifax: 744 Experian: unknown
Accounts before/(years)/limit/utilization: Hilton Honors AMEX (5 years) $16,000 limit 15% Discover Card (11 years) $9,300 limit 0% Chase Priority Club Visa (4 years) $7,200 limit 0% Chase Continental Airlines MC (4 years) $13,000 limit 0% GMCard (7 years) $5,000 limit 0% HSBC/Kawasaki Good Times Card (5 months) $17,500 limit 61% TOTAL CREDIT BEFORE AOR = $68,000
OTHER Info: Mortgage - $720/month HHI - $150,000 Age: 28
Cards Applied for/(bonus)/BT Promo Info/ANN Fee/Purchase Req/(Current Status): AmEx Business Gold Rewards(25,000 Rewards Points = $250 GC) Did this one last week, approved, card in hand and already made purchase for points. Citi Professional THANK YOU Card (15,000 TY pts = $150)/12month 0%, no BT fees/No Annual Fee/1 purch for bonus/(Immediately approved $4,000,card arrived 3/8/07) CITIBUSINESS Premier Pass w/THANK YOU Card(15,000 TY pts = $150)/12month 0%, no BT fees/Ann Fee waived 1 year/1 purch for bonus/(Approved, card received 3/12/07 with $7,500 limit) CITI BUSINESS Card with THANK YOU(15,000 TY pts = $150)/12month 0%, no BT fees/No Annual Fee/1 purch for bonus/(Approved, card received 3/12/07 with $12,000 limit) Chase United Mileage Plus Card (25,000 United Miles)/no special/Ann Fee waived 1 year/$250 purch for bonus/(APPROVED - see post from 3/8/07 about what happened. $5,000 limit) ADVANTA Business Card (none)/15 months 0%, 3% w/$50 cap/No Fee/none/(immediate approval, 12.5K, card arrived 3/5/07) American Express Preferred Rewards Card (10,000 Reward Points)/no BT special/Ann Fee waived 1 year/1 purch for bonus/(immediate approval, arrived 3/5/07 and already made purchase for reward) AT&T Universal Rewards Card (CITI) (6,000 TY pts = $50)/12month 0%, no BT fees/No Annual Fee/1 purch for bonus/(Immediately approved $5,300, card arrived 3/8/07) PNC Bank Platinum Card ($50 statement credit)/12month 0%, no BT fees/No Annual Fee/$500 purch for bonus - probably won't do/(Immediately approved $10,000 and BT Kawasaki $10,000 on application, so that's why I won't charge $500 for reward, card arrived 3/8/07) PNC Bank Platinum Business Card ($50 statement credit)/12month 0%, no BT fees/No Annual Fee/$500 purch for bonus/(Approved $7,500 - card arrived 3/7/07) SonyStyle Chase Card ($100 statement credit and 0% for new purchases)/12month 0%, 3%, $75cap/No Annual Fee/1 purch for bonus/(approved $7,000 - card arrived 3/7/07) Chase Business United Mileage Plus (25,000 United Miles)/no special/Ann Fee waived 1 year/$250 purch for bonus/(Approved and card arrived 3/13/07 with $2,500 limit) FNB Omaha Rewards Card ($50 GC w/1st purchase or BT)/9month 0%, 3% $75cap/no ann fee/1 purch/bt for bonus/(deferred, waiting, Called them 3/19/07...DENIED, and they said the reason why will be explained in a letter to me that's in the mail now) National City Bank Elite Visa (5,000 pts w/1st purchase)/6month 0%, no fee/no ann fee/1 purch for bonus/(Approved for a different card for $12k...see 2nd paragraph in THIS POST from 3/5/07 for details, card received 3/12/07) BOA WorldPoints Platinum Plus ($75 Statement credit w/1st purchase or BT)/12month 0%, 3% NO CAP/no ann fee/1 purch/bt for bonus/(approved $22,500, card arrived 3/8/07) BOA Rewards AmEx Card ($50 Statement credit w/1st purchase or BT)/12month 0%, 3% NO CAP/no ann fee/1 purch/bt for bonus/(deferred, waiting, Denied? It's very strange...they said they don't have this app, but they have 2 apps for the other BOA card. I know for a fact I applied for this one because I have the printout of the application. I'm not going to pursue it though) HSBC Mastercard (none)/12month 0%, no fee/no ann fee/none/(Approved $600.00 - YUCK! - Probably will see about re-allocation of Kawasaki line once that's cleared up. Card arrived 3/13/07) Discover Miles Card (1,000 miles/month w/purchase each month AND 0% new purchases)/12month 0%, NO FEE/no ann fee/1 purch/month for bonus each month/(Approved 3/5/07, $10,000, card will arrive in 4-6 days, requested BT checks to be sent over the phone, card arrived 3/8/07) Washington Mutual MyPoints VISA (1,000 bonus MyPoints)/6month 0%, 3% $75cap/NO ANN FEE/1 purchase required for reward/(Approved $3,000, card arrived 3/10/07) Added 2 cards later because I was not denied for any Citi cards, so I figured why not try another, and I wanted the $250 check from the Chase Freedom: Citi Diamond Preferred (6,000 Thank You points = $50 GC)/(approved $2,000, card arrived 3/19/07) Chase Freedom (20,000 Bonus points = $250 check after 1st purchase)/(Approved $25,000, card arrived 4/5/07)
As of 3/14/07, of the 19 cards applied for, I have been approved for 17 of them.
Card I was going to apply for but forgot, so I removed it from the above list (I skipped it in my original list because it was less attractive than others below it, and I just forgot to go back to it!): Chase Business Cash Rewards (none)/12month 0%, 3% $75cap/No Annual Fee ----------------------------------------------------------------------------------
The whole application process took me approx 1.5 hours. I started at 7AM Central time and completed the process just before 8:30AM Central time. I had everything lined out in a spreadsheet, and I would suggest the same for anyone planning an AOR because it makes it really easy to keep track of. 8 Immediate Approvals, 1 more (HSBC) approved before EOD 2/28 for a total of 9 same-day approvals. As of 3/14/07, I now have 17 confirmed approvals and 16 cards in hand.
Limit Increase Requested on Current Cards: HH AMEX: $24,000 req - Approved Chase Continental - $20,000 req - Approved for $25,000 Chase Priority Club - $20,000 req - Approved for $25,000
Thus far, I have total new credit (new cards AND CLI) equal to approx 160k. (updated 3/14/07)
<font color=white style="background-color: #3E3E3E;">I'm happy to take requests for information, just ask.
CREDIT SCORES DATE TU EXP EQ 2/27 760 ??? 744 2/28 758 746 724 (checked after applying for all cards) 3/1 ??? ??? ??? (PrivacyMatters.com monitoring service down all day long) 3/2 756 746 724 (PrivacyMatters.com monitoring back up now) 3/3 750 754 724 3/4 750 752 724 3/5 750 752 724 (BOA WorldPoints Platinum Plus only new card from AOR showing in CR now) 3/6 752 752 721 3/7 752 752 721 3/8 752 752 721 (canceled privacymatters.com monitoring after pulling today) 3/8 752 752 707 (now with TrueCredit triple score monitor, pulled again today-no idea why the big change in EQ score) 3/9 752 741 707 (couple more cards reporting now) 3/10 752 741 707 3/11 752 741 707 3/12 714 727 738 (Citi Credit Monitoring offered me a triple pull before canceling their trial, so this is a different service...very odd how different it is) 3/12 752 741 706 (TrueCredit.com) 3/13 752 741 706 (TrueCredit.com) 3/14 752 741 706 (TrueCredit.com) 3/15 749 741 706 (TrueCredit.com) 3/16 749 738 706 (TrueCredit.com) 3/17 no report today 3/18 749 738 693 (TrueCredit.com - 2 new accounts showed up in Equifax today with high utilization) 3/19 749 729 693 (TrueCredit.com - 2 new accounts showed up in Experian today with high utilization) 3/20 749 710 693 (TrueCredit.com - Discover $5000 from BT showed up in Experian today) 3/21 749 710 693 (TrueCredit.com) 3/22 722 710 693 (TrueCredit.com - The items mentioned above showed today on TU, hence the lowered score) 3/23 722 710 693 (TrueCredit.com) 3/24 722 710 693 (TrueCredit.com) 3/25 722 707 693 (TrueCredit.com) 3/26 722 707 691 (TrueCredit.com - inquiry on EQ today for my 2nd Citi Checking account, hence the drop) 3/27 711 707 691 (TrueCredit.com) 3/28 711 707 691 (TrueCredit.com) 3/29 711 696 691 (TrueCredit.com) 3/30 no report today 3/31 700 696 691 (TrueCredit.com) 4/1 700 696 676 (TrueCredit.com) 4/2 700 696 676 (TrueCredit.com) 4/3 688 687 676 (TrueCredit.com) 4/3 xxx 737 xxx (freecreditreport.com - I was offered a freebie score from Experian - not sure if this is FAKO or FICO, or why it's so different from TrueCredit) 4/4 688 687 676 (TrueCredit.com) 4/5 688 687 674 (TrueCredit.com) 4/6 688 687 674 (TrueCredit.com) 4/7 688 687 674 (TrueCredit.com) 4/8 688 691 675 (TrueCredit.com) 4/9 688 691 675 (TrueCredit.com) 4/10 688 701 675 (TrueCredit.com) 4/11 688 701 675 (TrueCredit.com) 4/12 688 701 675 (TrueCredit.com) 4/13 688 701 675 (TrueCredit.com) 4/14 688 701 675 (TrueCredit.com) 4/15 688 701 678 (TrueCredit.com) 4/16 688 701 680 (TrueCredit.com) 4/17 688 701 680 (TrueCredit.com) 4/18 688 701 680 (TrueCredit.com) 4/19 688 701 680 (TrueCredit.com) 4/20 688 701 680 (TrueCredit.com) 4/21 688 701 680 (TrueCredit.com) 4/22 and 4/23 - TrueCredit on the fritz 4/24 688 701 677 (TrueCredit.com) 4/25 712 701 677 (TrueCredit.com, TU went from 5 inq showing yesterday, to only 1 today!) 4/26 712 701 677 (TrueCredit.com) 4/27 712 701 677 (TrueCredit.com) 4/28 712 701 677 (TrueCredit.com) 4/29 712 701 677 (TrueCredit.com) 4/30 712 701 677 (TrueCredit.com) 5/1 712 701 677 (TrueCredit.com) 5/2 712 701 677 (TrueCredit.com) 5/3 712 701 679 (TrueCredit.com, I think 2 inquiries were bumped from EQ today) 5/4 722 701 682 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/5 725 701 684 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/6 725 706 691 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/7 725 706 693 (TrueCredit.com, no inquiry bumped today) 5/8 725 706 691 (TrueCredit.com, no inquiry bumped today) 5/9 727 706 691 (TrueCredit.com, final inquiry bumped from TU!!!!!!) 5/10 727 706 686 (TrueCredit.com, no inquiry bumped today) 5/11 725 706 689 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/12 725 706 691 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/13 725 706 695 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/14 725 706 698 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/15 725 706 700 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/16 725 706 703 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/17 725 708 704 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/18 thru 5/20 - no pulls these days 5/21 725 708 706 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/22 725 708 709 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/23 725 708 712 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/24 725 698 703 (TrueCredit.com, no inquiry bumped today, but Chase card 25K balance showed up on EQ and EX) 5/25 715 698 703 (TrueCredit.com, no inquiry bumped today, but Chase card 25K balance showed up on TU) 5/27 710 698 706 (TrueCredit.com, 1 more inquiry bumped from EQ today) 5/28 710 698 706 (TrueCredit.com, no inquiry bumped today) 5/29 710 698 703 (TrueCredit.com, no inquiry bumped today) 5/30 710 698 703 (TrueCredit.com, no inquiry bumped today) 6/1 718 705 703 (TrueCredit.com, no inquiry bumped today, but scores went up for unknown reason on TU and EX) 6/2 718 705 703 (TrueCredit.com) 6/3 718 705 703 (TrueCredit.com) 6/4 718 705 703 (TrueCredit.com) 6/5 718 705 703 (TrueCredit.com) 6/7 718 705 703 (TrueCredit.com) didn't pull for a while 8/20 743 718 716 (TrueCredit.com) 8/22 743 718 716 (TrueCredit.com) 8/25 743 718 716 (TrueCredit.com) 8/27 743 718 719 (TrueCredit.com) 10/2 747 732 723 (TrueCredit.com) 11/13 750 735 738 (TrueCredit.com) 2/28 760 735 733 (TrueCredit.com) 1 YEAR ANNIVERSARY
Inquiries: AMEX 02/21/2007 Experian DISCOVER FIN 02/28/2007 TransUnion BANK OF AMERICA 02/28/2007 Experian HSBC NV 02/28/2007 Experian AMEX 02/28/2007 Experian ELANFINSVC 02/28/2007 Equifax ADVANTA 02/28/2007 Equifax CBUSA/CBSD 02/28/2007 Equifax CITI USA 02/28/2007 Equifax CITI 02/28/2007 Equifax FIRST USA 02/28/2007 Equifax BKONE 02/28/2007 Equifax FNB OMAHA 02/28/2007 Equifax CITI 02/28/2007 Equifax CITIBANKNA 02/28/2007 Equifax FUSA, NA 02/28/2007 Equifax NCBK-NCCS 03/05/2007 TransUnion OHIOSV ADO 03/05/2007 Equifax FIRST USA NA 03/15/2007 TransUnion (for Chase Freedom) CITIBANKNA 03/26/2007 Equifax (for 2nd Citi Checking acct)
A CLOSER LOOK AT AVAILABLE CREDIT BEFORE AND AFTER:
Accounts before: AMEX $16,000 Discover Card $9,300 Chase Priority Club Visa $7,200 Chase Continental Airlines MC $13,000 GMCard $5,000 HSBC/Kawasaki Good Times Card $17,500 TOTAL CREDIT BEFORE AOR = $68,000
Accounts after AOR: AMEX $24,000 Discover Card $9,300 Chase Priority Club Visa $25,000 (re-allocated $23,000 to Sony Card 3/9/07 - now $2,000) Chase Continental Airlines MC $25,000 GMCard $5,000 HSBC/Kawasaki Good Times Card $17,500 AMEX Gold Business (no preset limit) CITI Professional $4,000 CITI BUSINESS PremierPass $7,500 CITI BUSINESS $12,000 Chase United Mileage $5,000 Chase United Mileage Business $2,500 ADVANTA $12,500 AMEX Pref. Rewards (no preset limit) AT&T Universal $5,300 PNC Personal $10,500 PNC Business $7,500 SonyStyle $7,000 (re-allocated $23,000 from Priority Club Card 3/9/07 - now $30,000) National City $12,000 BOA WorldPoints $22,500 HSBC Mastercard $600 Discover Miles Card $10,000 MyPoints WAMU $3,000 TOTAL CREDIT AFTER AOR = $227,700
I have thus far completed the following balance transfers: National City - $10,700 (to Kawasaki Card - will be used to pay off $10,700 balance) PNC Personal - $10,000 (to Kawasaki Card - will be refunded to me via check because of overpayment...refund arrived 4/19/07) SonyCard - $25,000 (used BT check included in envelope with my card) Discover Miles Card - $5,000 (used BT check sent via mail to me) ADVANTA - $12,000 (BT to checking over the phone, simple) PNC Business - $7,500 (used BT check 4/26/07) CitiBusiness - $12,000 (online 5/8/07) CitiBusiness PP - $7,500 (online 5/15/07) ----------------------------- TOTALS - $89,700
This BT money will be split up between my Savings accounts setup(listed above). I will probably do more transfers, but I am waiting for the rewards purchases to process on several cards first (such as the CITI cards in particular) so I can pay off the purchase before doing the BT.
REWARDS/BONUSES EXPECTED from AOR 77,000 Thank You Points = $750 in gift cards (57,000 pts received already as of 4/21/07) 35,000 AMEX Rewards Pts = $350 in gift cards (35,000 pts received on 4/7/07, gcs arrived a few days later) $275 worth of statement credits ($275 received already as of 5/7/07) 12,000 miles from Discover (1,000/month for 12 months) - estimated $100 value (3,000 received as of 7/23/07) 50,000 United Airlines Miles - estimated $500 value (received half 4/5/07 and the other half 4/25/07) $250 check from Chase Freedom using $200 signup bonus credit (rec'd bonus 4/20, ordered check 4/21, ck arrived 4/28) ----------------------------- TOTALS - $2,225 ($1925 received as of 5/7/07) (including miles estimated value)
ADDITIONAL REWARDS/BONUSES $100 Gas rebate for trying Citi Credit Protector x 2 cards = $200 FW Link (approved, checks received already) Opened 2nd Citi Checking/funded with BOA Credit card = $350 check from rewards (6/22/07 - check received!) Opened 3rd Citi Checking/funded with Chase Freedom Credit card = $250 check from rewards (Check received already) $100 Gas rebate for trying Citi Credit Protector x 2 cards = $200 (rinse and repeat started 5/24/07, received 7/23/07) Opened 4th Citi Checking/funded with Chase Freedom Credit card = $500 check from rewards (Check received already) ---------------------------- $1500 in additional bonuses expected, and all received as of 7/23/07
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I won't have credit scores for today because PrivacyMatters has been down all day. POS....
Also - no news on new approvals today. I called Discover and National City, but neither had an answer yet. I didn't bother to call any others after that.
You could probably cram in another personal Citi card or two if you wanted. If you're a big hilton fan, you could go with their Hilton card (15,000 points) or the PremierPass Elite (15,000 points, fee after a year).
I'm surprised about the crappy HSBC limit (I figured an existing card holder with a decent CL would have a better shot).
I don't predict good things from FNB Omaha. How did they get on everyone's AOR radar, anyway?
How aggressively do you intend to use 0% transfers, and where do you intend to put it?
how do these credit card companies approve you for this many cards? I thought once you apply for one card, you can not apply for another credit card for at least 3 mos. am i missing something here?
App o Rama is bunch of applications made for monetary benefits in short span. is this accurate definition? How come these CC company inquiries don't overlap and how come they can not figure out that individual is mass-applying to all CC and other stuff for bonuses etc? let me know folks. thanks.
markkundinger said: I'm surprised about the crappy HSBC limit (I figured an existing card holder with a decent CL would have a better shot).
I don't predict good things from FNB Omaha. How did they get on everyone's AOR radar, anyway?
My wife has had an HSBC card since 1996. When she did her AOR last in January she was initially declined for 'unsatisfactory performance on an existing account' which was peculiar since it's always been paid on time. Anyway, this demanded explanation so she called them and ended up approved for a new card without really getting the initial reason for being declined explained. Her new credit line? $1000 This while she had been approved for several other cards with lines ranging from 20-40k. But the nice thing was that $1000 put her over 300k of new credit and it was annoying to be so close. I may include HSBC if cardoffers is still paying a bonus.
I agree that FNBofO should be avoided. They closed her account to new transactions before the first statement printed, though she did get keep the 0% BT. My thought is that there are too many issuers willing to play, if FNBofO doesn't want to, just skip them. They won't be included in my AOR later this month.
markkundinger said:You could probably cram in another personal Citi card or two if you wanted. If you're a big hilton fan, you could go with their Hilton card (15,000 points) or the PremierPass Elite (15,000 points, fee after a year).
I'm surprised about the crappy HSBC limit (I figured an existing card holder with a decent CL would have a better shot).
I don't predict good things from FNB Omaha. How did they get on everyone's AOR radar, anyway?
How aggressively do you intend to use 0% transfers, and where do you intend to put it?
I'm going to hold off on Citi and see how the approvals go on the pending cards right now...don't want to get too greedy (or raise too many flags).
On HSBC, I'm hoping that I will be able to transfer my CL from the Kawasaki deal over to the new card once the BT check clears that original debt up. Anyone have any experience with reallocation of HSBC lines?
I found the FNB Omaha card on other's App-O-Rama details, and figured since it was from an off bank it would be another good addition for an easy $50 GC. I don't plan to use it for BT unless I end up with a crazy high limit.
The BT funds not going to the Kawasaki debt will go to the ELOAN account to earn the 5.25% for as long as possible.
rajthebam said:how do these credit card companies approve you for this many cards? I thought once you apply for one card, you can not apply for another credit card for at least 3 mos. am i missing something here?
App o Rama is bunch of applications made for monetary benefits in short span. is this accurate definition? How come these CC company inquiries don't overlap and how come they can not figure out that individual is mass-applying to all CC and other stuff for bonuses etc? let me know folks. thanks.
There are several threads about how many cards one should apply for and/or should reasonably expect to be approved for. Check the pinned AOR thread...lots of good information in there.
Unbelieevable said:The whole application process took me approx 1.5 hours. I started at 7AM Central time and completed the process just before 8:30AM Central time. I had everything lined out in a spreadsheet, and I would suggest the same for anyone planning an AOR because it makes it really easy to keep track of.
I have not seen anyone layout the format for their spreadsheet. Can you share that? Figure it will help not having to reinvent the wheel.
I'd be happy to share the spreadsheet, but I'm not sure how to post an Excel spreadsheet here...there's no option for an attachment like there are on several other forums I frequent.
Unbelieevable said:I'd be happy to share the spreadsheet, but I'm not sure how to post an Excel spreadsheet here...there's no option for an attachment like there are on several other forums I frequent.
How complex was it? If it was all on one worksheet, you could just post your column names to show how it was organized, and maybe designate calculated fields (if there are any) with an *. Just a thought.
Unbelieevable said:I'd be happy to share the spreadsheet, but I'm not sure how to post an Excel spreadsheet here...there's no option for an attachment like there are on several other forums I frequent.
fickman said:Unbelieevable said:I'd be happy to share the spreadsheet, but I'm not sure how to post an Excel spreadsheet here...there's no option for an attachment like there are on several other forums I frequent.
How complex was it? If it was all on one worksheet, you could just post your column names to show how it was organized, and maybe designate calculated fields (if there are any) with an *. Just a thought.
Wasn't that complex...just had the following fields across the top:
CARD NAME ISSUER (Citi, Chase, etc) REWARDS (Sign-up Bonuses, GCs, statement credits, etc) BT Terms & % (ex: 12mo 0%, or 9mo 0%) BT FEE (ex: 3% no cap, or 3% $50max) ANN FEE PURCH REQ (for rewards) STATUS (approved 10k, deferred, approved waiting, etc) WEB LINK
There were no calculated fields. I found it most helpful to have a complete, concise, editable sheet that had the links to the apps for the morning of the AOR. Just one place to refer back to when moving between apps - make STATUS notes for the previous application and then click the link for the next one.
Unbelieevable said:fickman said:Unbelieevable said:I'd be happy to share the spreadsheet, but I'm not sure how to post an Excel spreadsheet here...there's no option for an attachment like there are on several other forums I frequent.
How complex was it? If it was all on one worksheet, you could just post your column names to show how it was organized, and maybe designate calculated fields (if there are any) with an *. Just a thought.
Wasn't that complex...just had the following fields across the top:
CARD NAME ISSUER (Citi, Chase, etc) REWARDS (Sign-up Bonuses, GCs, statement credits, etc) BT Terms & % (ex: 12mo 0%, or 9mo 0%) BT FEE (ex: 3% no cap, or 3% $50max) ANN FEE PURCH REQ (for rewards) STATUS (approved 10k, deferred, approved waiting, etc) WEB LINK
There were no calculated fields. I found it most helpful to have a complete, concise, editable sheet that had the links to the apps for the morning of the AOR. Just one place to refer back to when moving between apps - make STATUS notes for the previous application and then click the link for the next one.
great write up. thanks for sharing. i think i will do an AOR in a couple of weeks.
Unbelieevable said:Anyone have any experience with reallocation of HSBC lines? Per the CC Issuer FAQ, I'm the only one who reported, and the answer for me (with GM cards) was NO.
cardjuggler said:Unbelieevable said:Anyone have any experience with reallocation of HSBC lines? Per the CC Issuer FAQ, I'm the only one who reported, and the answer for me (with GM cards) was NO.
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