Looks like a nice selection HS, I remember your first AOR. I figured you'd go for more than 20+ apps though?

I posted this question in the n00b thread, maybe someone can help?

I'm preparing to do my second AOR in the next few months and had a question about annual fee cards. Should I just 'close' and consolidate those cards into existing issuer lines (ex., Citi PremierPass -> CitiBusiness)?

In addition, is there a rule of thumb to go by on how many lines to have with one issuer? I have 4 personal and 2 business with Citi and I'll probably apply for 2-3 of each on the next go around so I don't know if it's prudent to cancel in advance of their decision (assuming they don't allow more than X amount of lines).

Thanks!

MosDeft said:Looks like a nice selection HS, I remember your first AOR. I figured you'd go for more than 20+ apps though?

There are not many cards with 0% offers around, so I decided to keep it tight this time. With the economy cooling down there is a good chance interest rates will fall and we may see better offers next year.
MosDeft said:
I'm preparing to do my second AOR in the next few months and had a question about annual fee cards. Should I just 'close' and consolidate those cards into existing issuer lines (ex., Citi PremierPass -> CitiBusiness)?

Unless you see a reason to pay the annual fees and keep the card around.
MosDeft said:
In addition, is there a rule of thumb to go by on how many lines to have with one issuer? I have 4 personal and 2 business with Citi and I'll probably apply for 2-3 of each on the next go around so I don't know if it's prudent to cancel in advance of their decision (assuming they don't allow more than X amount of lines).

I don't think so. One of my friends has around 8 citi personal cards.

Isn't it a bad time for an AOR? The Fed has already cut interest rates twice,
and it looks like they'll cut them again in a few days. The OP will probably get
only 4.5% interest on the money, instead of 5.5% or even 6% before the rate cuts started.

Hindustani said: Interest rates are falling and most probably continue to fall. Anyways it doesn't really affect me that much since it is free money anyways

I guess. It's a shame that interest rates are going down tho. We are all missing out
on AOR money. A 6% rate brings in more free money than 4.5% or 4.25%!

Hindustani said: Look at the brighter side. With falling interest rates CC issuers can offer you low BT offers.

A low BT offer? What good is it if interest rates are low?
If a CC issuer offers a 2% BT, it's not worth much at all,
since 4.5% interest rate - 2% BT - taxes = pocket change

markkundinger said:You can get another Chase Sony card.

Principal is run by Infibank, which is owned by FNBO.

I got rid of other 2 FNBO apps I had planned, so I will try for Principal. I think I have already hit my max exposure with Chase but trying for another Sony card won't harm I guess. Thanks for your suggestions.

devildoc said:You might want to check the GEmoney terms, I think the BT fee is uncapped

You are right, it was capped fees just a week ago. Thanks for letting me know. My list of cards are decreasing fast, I need to find new apps!!

good for you hindustani!

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Hindustani,

Just to add another data point regaring BankAtlantic and Juniper Persoanl card. They pulled one report (TU, NJ) for both cards.

I am looking for another 3-4 personal cards to apply for. Does anyone have any good suggestions? Did anyone recently apply for Suntrust Platinum or State Farm visa card that I have linked in backup apps section? How was your experience? Thanks in advance.