I wouldn't worry about AMEX for new applications, they're handing out new credit like candy.

Financial Reviews are another kettle of fish, though.

When I did mine a while back, I applied 3 BoA, 2 for personal and 1 for biz.
Never heard of anything from Biz card application.
Two personal cards are approved with one for 30K, one for 25K. but too bad they slash down my original BoA card which has 30K CL to 10K when they approve my 25K new card. Then they cancel that 10K card totally when they approve my 30K.
I don't like it cancel my card, but I get 55K 0%APR for 12mo by sacrifice my 2.5 yrs old 30K CL BoA card. I think that is worthy.

scott1961 said:Technologist said:OP, great post (EVEN GREATER TITLE!).

Not sure if title was meant as sarcasm? I liked doing mine and reading these threads because I am a finance nerd and think most others doing AoR's are also. The cool kids are to busy partying, getting laid and trashing their credit buying expensive cars to do an AoR

Who cares if it is sarcasm.... after being a NERD all my life, I am one of the COOL KIDS!!!

Now that is sarcasm... I am a nerd (computer-geek), but a well-paid nerd, and I have a Harley.... and I ain't no kid!

But I do the AOR!!!

korins said:Why was my recent AOR thread promptly locked, while this one remains?

Because you touch yourself?
Looks like they are trying to consolidate AoR threads but it does seem like you got screwed since there are a number of new AoR threads still open

WalStMonky said:HappyGuy said:Just an FYI, once Barclays gets a wiff of what you are doing they will shut down your card. If you have a balance on the card you should expect you credit line to follow down your balance. plan accordingly.

Wifey didn't get any adverse action from Barclay's until a month after the balance was paid off so the above is not necessarily true.

Timing may vary but it will happen!

Same as for the Citi ones. Are they removing the BT fee for BT requests made at the time of application?

rsean78 said:I see Baylor Alumni card has uncapped 3% BT fee. Did I miss the fineprint or they recently changed their term?

Nat City is still 0% for 6 months on BTs, no balance transfer fees.

link to the disclosure

VerbalK said:I'm getting hosed. Future note to all AORers, don't apply at the end of a month, because I'm getting bait and switched.

The Capone offer claimed to have expired, the Chase business went from 12 to 6 months intro period, and the National City Balance Cap disappeared. It's looking like I may not get out of this with more 40-50 grand in good solid B/T money. So far, I'm thinking this was a waste of time. Boo!

Well, did you print T&C at the time of application? If so, just call the banks up and stick it to them. If you have not printed T&C, go online and see if the (more) favorable T&C are still there (if they are, it would help to mention this fact when you call), print'em and call. Whatever you do, don't panic, take your time and do everything in an organized manner ... and, yes, an AOR can be a waste of time (if only that) if not prepared and poorly executed, but I hope this is not your case.

If you can get the Chase Business BT deal extended to 12mo, and if you haven't maxed out the Sony yet, I'd recommend reallocating most of your credit to the Business card for the BT.

Well, if you max out your cards, and your credit score craters, then making substantial payoffs should cause it to rebound by the next month. However, if Chase or AMEX happens to do an account review during the month that it cratered, then they'll zap you.

But I'm probably not the guy to talk to about being delicate with the lenders.