I've read and re-read all of the great AOR threads and even the not so great ones so I know what not to do. So, thanks to everyone that took the time to post their experience.
The goal of this AOR, like many, is to get 0% money. There is a few business cards added just for the bonus GC/cash/miles.
Balance on AMEX is at 0% with 10 months left. I used it rather than a HELCO for home improvement and and making payments so it will be paid off at the end of the 0% period. Chase balance is paid off but not showing yet. I will wait for it to show 0.
I also have 24 closed accounts that add to age of accounts.
Personal Cards Card/ Link/ Requirement for bonus/ Bonus/ 0%/ BT Fee
*. citi drivers edge Not Applying reason: Too many citiLink 12months/$0 *. citi att platinum Not Applying reason: Too many citiLink 12months/$0 1. citi att rewards card Link 12 months $0 Approved $7500 2. citi home rebate platinum Link 12 months $0 Approved $7500 3. BOA Link 12 months $0 Approved $5400 4. US Bank Baylor Link 12 months $0 Approved $22,500 5. US Bank Worlperks link 1 purchase 10,000 miles 0 months $0 DNA 6. BOA NEA Link [/L] 12 months $30 Deferred 7. Juniper Barclays Link 12 months $50 Approved $15,000 8. chase Sony Link 1 purchase by 11/01 $100 12 months $75 Deferred 9. chase platinum mc Link 12 months $75 Denied - Too many accounts opened recently 9.5 chase rewards card came instead of the above denied card. 12 months $75 $7000 CL 10. chase priority club Link $20 + 3 free hotel nights 6months $75 Approved $1000 - when card came Cl is 21,500 *. Discover Open Road Not Applying reason: Too many DiscoverLink 12 months $75 11. Discover Miles Link 1 purchase per month 12,000 pts 12 months $75 Approved $8000 12. Wamu Link 12 months $75 Approved $3500 ADDED 13. Kroger 1 2 3 Link 12 Months $75 Approved no cl yet 14. Citi Hilton Link 1 purchase 15K hilton pts 6 months 2.6% $75 Approved $15,000
Business Cards 15. Bank Atlantic Juniper Link 15 Months $75 Deferred 16. Advanta Platinum Business w/ Rewards Link 15 Months $50 Approved no cl yet 17. Citi Business Link $120 shell gift card 12 Months $0 Approved no cl yet 18. Citi Professional Link 12 Months $0 Approved $9000 *. Advanta Platinum Business Not Applying reason: Too many AdvantaLink 12 months $50 19. American Express : Business Gold Rewards Card Link 1 purchase by 12/2007 $250 Gift card 0 $0 Approved no cl - Charge Card 20. American Express : Sovereign Bank Platinum Business Cash Rebate Link $100 credit 6 $0 Approved 37,600 CL 21. Chase United Link Minimal purchase to receive bonus: $250 $250 airline credit 0 $0 Deferred 22. Chase GM Link 12 Months $75 Deferred ADDED 23. Citi PremierPass Link 1 purchase 15K TY points 12 Months $0 Deferred 24. US Bank Worldperks Link 1 purchase 15K miles 0 Months $75 annual fee Deferred
Update 8/30 In bold above. Summary so far: Personal: 10 approvals w/ $112,900 new credit, 1 approvals without CL, 2 deferred and 1 denied Business: 2 approval w/ $46,500 new credit, 3 approvals without CL, 5 deferred
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Squeezer99 - Thanks for the tip on the Kroger, I missed that one and it's now added. I also added another CITI business. That gives me 2 Citi personal, 2 citi att, and 3 citi business. Is that pushing the limits
jleung - Thanks for the heads up. I'll definitely apply for the 15 month 0% Advanta Platinum Business w/ Rewards first.
Confused a bit in the list, two seemingly identical US Bank applications, and two identical CitiBusiness applications? It's crazy enough it just might work.
CitiProfessional isn't really a business card, it still appears on your personal credit report and stuff.
jleung said:Some people said that Advanta only allows you to have 1 credit card.Yep, axe on of your Advanta apps, go for the 15 month one.
Next, you have too many Citi apps. You can do two personal, the professional (highly recommended b/c you can get 15k TY points and this often gives very big CLs), and then two business. If you do more than this five, they start denying and you are wasting inquiries. Drop the ATT platinum (do the Rewards b/c you get 60k TY points), and drop the drivers edge (just do 2 personal).
Switch out the last citibusiness for the citi business premier pass. Definitely drop one of the citi att cards. Drop one of the dicover cards you wont get both.
MikeR397 said:jleung said:Some people said that Advanta only allows you to have 1 credit card.Yep, axe on of your Advanta apps, go for the 15 month one.
Next, you have too many Citi apps. You can do two personal, the professional (highly recommended b/c you can get 15k TY points and this often gives very big CLs), and then two business. If you do more than this five, they start denying and you are wasting inquiries. Drop the ATT platinum (do the Rewards b/c you get 60k TY points), and drop the drivers edge (just do 2 personal). Not true. The "2 card limit" does not apply to several Citi cards (business, professional, cobranded cards (like Citi HiltonHonors). Pretty sure Ive seen some people get 8-10 citi cards in one shot if you vary the card types
markkundinger - Thanks. I switched out the US Bank cards to the Baylor card for the 0% and went for one more for the worldperk points which I need. I'm still figuring out the CITI cards.
MikeR397,althes,catonis adn SUCKISSTAPLES - Thank you, your suggestions are noted and I'm working on it. I'll update tonight.
catonis said:MikeR397 said:jleung said:Drop the ATT platinum (do the Rewards b/c you get 60k TY points), and drop the drivers edge (just do 2 personal).
Could you please clarify the 60K TY points? Thanks (sorry about the formatting- can't seem to correct the quote).
The card comes with 6K points with purchase that you can use for a $50 GC. If there's a 60K offer, I can't find it!
Just finished all the apps and updated with the instant decisions. It went ok but limits are a little low. I'll work on getting those up a little where it's possible. The waiting begins....
Most of the CLs from the instants seem pretty reasonable. The BofA one is kind of low (other cards and apps may be crowding it out). And the Wamu limit seems to extend the streak of unsolicited applications getting chump credit lines.
Very nice CL on that USBank Baylor card, though. They only gave me $7k.
It's worth noting that Chase denied me the platinum card which had 12 months of 0% and instead gave me a non platinum rewards card and increased my priority club card from the instant approval of $1000 to 21,500 but it's only a 6 month 0%. I'm not sure if that means they are trying to cut down 0% money or if it's just that I did not have a strong enough credit profile.
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