Forget the 2 Millenium Bank cards as both are issued by First National which FNBO owns and issues there credit cards from and that bank is know to be very anti App-O-Rama and more than likely even if they approve you for a card will close the card when you call to activate or within 30-60 days after and will report the card as "Closed by Issuer".

You also currently have 3 Chase cards and are applying for 7 more Chase cards as Lasalle Bank credit cards are issued by Chase. Chase has been know to close accounts without notice on people with lots of cards or carrying large balances. Also Chase has been know to close old accounts when people apply for many new Chase cards at once without even letting you know so be aware of that possibility which could result in the loss of your Sony Card which is one of older accounts.

State Farm Bank is also very anti App-O-Rama read some of the recent App-O-Rama threads people have been getting instant approval but letters in the mail stating because of the amount of inquires recently your account has been closed with 30-60 days or flat out getting rejected.

You are applying for 3 BOA cards and your old account is a BOA account. BOA also has been know to close accounts when people apply for too many cards at once without even letting you know. If you current BOA cards get closed to open a new account your credit score will tank which could result in adverse action.

Discover only allows you apply for 1 new card every 90 days you got 2 business cards listed pick 1 or other.

If you read the Adverse Action thread lately lots of people are reporting that Barclays/Juniper has been taking adverse action against people carrying larger balances on there credit reports by lowering your limit to what you owe on the card which in effect can impact your credit score and lead to other adverse action because you will card will report 100% utilization.

Just a couple of things I noticed. Not stating every adverse action will happen to you but some of the above might happen to you based on fact you really are over doing Chase with 7 apps who is a bank who is more aggressive than others at taking adverse action against people because 7 of 23 apps are from Chase if they take adverse action against you more than likely everyone else will too as your utilization across all your cards will end up being super high plus have 10+ cards listed as closed by creditor on your credit report is basically screaming at other issuers to take action against you too.

bookmark... √
subscription... √
Your list looks very good.

My only comment would be to put Bank of America® Platinum Plus® MasterCard® as your first or second application. Getting cash ACH'd to checking is very easy - they beg you to do it. It's a terrific BT laudry card.....

Good luck...

Thank you everyone for the great feedback.

dolmar said:Forget the 2 Millenium Bank cards as both are issued by First National which FNBO owns and issues there credit cards from and that bank is know to be very anti App-O-Rama and more than likely even if they approve you for a card will close the card when you call to activate or within 30-60 days after and will report the card as "Closed by Issuer".
Thanks, I removed both.

dolmar said:You also currently have 3 Chase cards and are applying for 7 more Chase cards as Lasalle Bank credit cards are issued by Chase. Chase has been know to close accounts without notice on people with lots of cards or carrying large balances. Also Chase has been know to close old accounts when people apply for many new Chase cards at once without even letting you know so be aware of that possibility which could result in the loss of your Sony Card which is one of older accounts.
Biz: Currently I have no biz cards with Chase. I have removed 2 from the list leaving 2 left. Is this a good number or should it only be 1? I am unsure if Chase looks at business cards separately

Personal: I removed both. I should leave one based on the updated list?

Would these be future candidates for paying off, consolidating and applying for later?

dolmar said:State Farm Bank is also very anti App-O-Rama read some of the recent App-O-Rama threads people have been getting instant approval but letters in the mail stating because of the amount of inquires recently your account has been closed with 30-60 days or flat out getting rejected.
Removed

dolmar said:You are applying for 3 BOA cards and your old account is a BOA account. BOA also has been know to close accounts when people apply for too many cards at once without even letting you know. If you current BOA cards get closed to open a new account your credit score will tank which could result in adverse action.
I removed one. Should I have removed 2 and only apply for 1?

dolmar said:Discover only allows you apply for 1 new card every 90 days you got 2 business cards listed pick 1 or other.
Removed 1 biz.

Now there is 1 biz and 1 personal remaining. Venturion's Biz AOR comment plus yours concerns me on this one.

dolmar said:If you read the Adverse Action thread lately lots of people are reporting that Barclays/Juniper has been taking adverse action against people carrying larger balances on there credit reports by lowering your limit to what you owe on the card which in effect can impact your credit score and lead to other adverse action because you will card will report 100% utilization.
Would this be for personal credit only? I have 1 of each (biz/personal). Haven't removed it yet because the updated list may impact this.

dolmar said:Just a couple of things I noticed. Not stating every adverse action will happen to you but some of the above might happen to you based on fact you really are over doing Chase with 7 apps who is a bank who is more aggressive than others at taking adverse action against people because 7 of 23 apps are from Chase if they take adverse action against you more than likely everyone else will too as your utilization across all your cards will end up being super high plus have 10+ cards listed as closed by creditor on your credit report is basically screaming at other issuers to take action against you too.
Thanks, I have changed the list in the OP. I also separated those I have removed rather than deleting so others can see those cards if it suits their situation.

Hope to hear how it looks now.

jackcrawfish said:bookmark... √
subscription... √
Your list looks very good.

My only comment would be to put Bank of America® Platinum Plus® MasterCard® as your first or second application. Getting cash ACH'd to checking is very easy - they beg you to do it. It's a terrific BT laudry card.....

Good luck...
Moved it to the top of the personal card pile.

lhendricks92 said:

My suggestion for handling Barclays would be to apply for 1 personal and 1 business, and reallocate all but $500 to BankATL biz.

In general, I would use this same strategy (1 personal, 1 biz (maybe 2), reallocate to biz) as much as possible. You can do this with Chase and Citi, also...

Maybe it's just me, but the info above from lhendricks92 is extremely useful. Collecting this data is a primary reason why I continue to devour AOR threads.

markkundinger said:No no, get another Sony card. You can have multiple, and get multiple bonuses.

(Personally, I close my Sony cards after 11 months so it doesn't look weird, but others have kept them open)

Sorry, I meant that the reallocation suggestion with these issuers is great.

list is looking much better, but i have a few more suggestions.

i'm counting 3 citi cards which will report as personal cards. why not knock that down to 1 or 2 and add national city? (pick up the nat city biz while you're at it.)

also, you're missing some nice elan (us bank) biz cards: m&t, woodforest.

another tip about citi: you won't be able to reallocate that existing PP until you convert it to a card that reports the CL.

good luck

lhendricks92 said:Nice job for incorporating all the excellent feedback from dolmar et al. I think people underestimate the importance of minimizing the number of personal accounts you add to your credit history to 1) keep FICO happy and 2) minimize adverse action. I often see AoRs where people reach their maximum total CL with an issuer, and the incremental personal application nets a tiny CL. I'd rather be denied than take the hit of a new useless card.
I tried some credit report services and a couple of them said my score (FAKO) would have been higher if I had more accounts. However, I don't want to surpass whatever that optimal number is.

Definitely want to avoid adverse action and that is one big reason why I started this thread. People have already filtered out what would have been a big mistake by me.

lhendricks92 said:
My suggestion for handling Barclays would be to apply for 1 personal and 1 business, and reallocate all but $500 to BankATL biz.

In general, I would use this same strategy (1 personal, 1 biz (maybe 2), reallocate to biz) as much as possible. You can do this with Chase and Citi, also.

Keep that BT debt hidden - good luck.
Excellent advice!! One of my phases before the actual BT was the reallocate phase. Your answer fills that nicely.

I think my only concern at this point is if I combine the CL's and only have the option to use a BT launder card then that card needs to have a high CL to take the BT. I recall in the past I have heard of issues in which an amount BT'ed to a card is greater than the CL therefore causing issues. Currently my largest CL is $21700 (business).

Definitely agree with keeping debt on the business when possible.

Thanks again. Also want to say I have learned a lot from your previous business card posts.