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TheManWithout's Eclectic AOR - now with added AA Archived From: Finance

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Hello, I am going to do a biz AOR soon (didn't want to muddy up the board with another thread, I know how you guys feel about excessive threads), I just wanted to see what your opinion's were for this order:
M&T Visa
Cambridge
Citi Associated Bank Card Visa
Citi A/A biz card VISA
Citi Business Card
Chase GM Business Card
Chase Plat Visa Rewards
Chase Business Cash Rewards
Discover Business Card
Discover Miles Card
AX Blue for Business
AX Platinum Business Card
AX Platinum Business Freedom Pass Card
BofA NEA WorldPoints Rewards Visa
BofA NFIB Platinum Plus MC
BankAtlantic Juniper
Nat City LifeSpring Visa

17 applications, all business, almost all 0%, picked out from the knowledge obtained through FW, thanks!

but I've been seeing that order seems to matter, I heard that I should do them in the morning because some are automatic and pull right away but some have to be handed down to another office and if you want them to pull that day then you should do it early enough so that it gets to that other office that day, otherwise if its late they may end up pulling it the next day.

Also, as far as rewards for applying for credit cards, I am going to use cardselection.com, but it gives rewards for only three of the above listed cards (chase plat visa, chase biz cash rewards, & disc biz card), is there another site that gives rewards for applying for any of the other cards?

Btw, my scores are TU: 647, EX: 775, EQ: 759....I know my TU is low and I don't know why, all three reports show the exact same thing, anyway, I froze the TU already so they will only see the other two. And in my area (middle TN), most check EQ.

I have seven cards, 2 with balances 70-80% util, 3 with minor (>$300) balances that I just use monthly, and two with zero balances. I can't get utilization lower, I just need this additional AOR money now.

I only have one inquiry showing up on all three reports, pretty clean, this is my first AOR. Anyway, I just need to know if my application order is good? Thanks!


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i actually think you might have been better starting your own AOR thread, but since you hopped onto mine, here are my thoughts:

1) not all of the cards listed are business cards... you may want to check around some of the Biz only AORs to confirm which are and which aren't.

2) for my tastes, you have too many biz cards with the same issuers - i'm not sure that multiple biz apps will get you very far since you are relying on your personal scores which are only ok (the low TU would have been a disaster for me since most of my apps pulled TU - but YMMV; check the credit pulls database for whichever state you are in). rather than risk crippling your score by multi-apps with the same lender that might all (and this is of course the tricky call since we never know) do immediate pulls, i would probably go for one preferred biz card with each lender first and then go back and do the others at the end (i realise that this goes against normal AOR wisdom, but i'm trying to tailor my comments to your particular situation).

3) i know that you say you need the money now, but that really isn't the best reason to be doing any AOR. you'd be far better paying down the existing debt and raising TU. however your lack of inquiries will help if you can try and use the info in the credit pulls database to prioritise non-TU apps then you might have a reasonable chance of securing a few. if they pull other credit reports then put Nat City and Juniper higher as they are inclined to do decent CLs for new customers wanting BTs

hope this helps


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Nice AOR. You did just over 2x as many apps as I did, and came up with just under 2x the credit I did - and a very interesting point, your HHI is $1K lower than mine, giving us similar profiles (although I think I'm carrying more debt on the CR).

Curious, did you know about the Citi Associated Bank card? Decide against it for any particular reason?

On the one hand, I wonder if I could have been less conservative; on the other, I had 6 new accounts in the last 12 months prior to AOR. There were a couple of references to the open account count in decline letters and in a phone conversation with Chase.

Most intriguing. I wonder what Juny is going to do when I request BT $$? I'm trying to decide on a target dollar amount or percentage to pull.


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holy snot, you got a lot of credit with Chase.

What's your utilization plans?


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OK - here's a little update to incorporate some of the questions asked:

Chase - they seem to be happy throwing cards at me like candy (or snot Mark, yes), but all of them are NPSL and i have no fee-free BT offer on any. so i am slowly and carefully aiming to Product Trade them for visible lines and then consolidate. however my first attempt at Product Trading (Visa Flexible Rewards > Visa Freedom) has somehow resulted in the correct trade AND a new Visa Freedom with an identical $6100 CL being issued. i am now very wary of doing the same again, because there must be a limit to the number of new accounts they will authorize before realising and going into meltdown. so after a respectful interlude of a couple of weeks i shall attempt to consolidate these two before attempting another trade.

Provident - finally got this account opened online, and was about to syphon all the BT money into it when...

Citi Checking & TYP Bonus - i discovered the very tempting TYP offer for depositing $25K + $1K into new savings and checking accounts respectively. i (foolishly) opened them in my local Branch with the intention of funding via CC, unfortunately the extremely helpful (but ineffectual) person helping me do this was ultimately unable to work out a way of doing this without it being processed as a cash advance. after having waited for several days to see if it was possible (patience is not my strong point) and with several BT checks to hand i finally gave in and deposited the checks to Citi in their Money Market Plus account. checking online i saw that the TYP offer account there was the Ultimate Savings Account, so i decided to open one of those too and try the CC route. a week later it had successfully been funded by my Chase Continental Airlines World MC as a purchase and i'm hopeful that the 25000 miles will be credited in the next week - this additionally allowed me to access the USBank BT by successfully transferring it to the Chase MC.

Citi Business Cards - having obtained two no-fee 0% cards with Citi i reallocated all but 2K of the credit line from Biz+TYP to PPBiz and consolidated my Citi Prof to PPBiz. having BT'd a modest 22K from this line, i may access more later but i'm concerned about raising too many red flags with Citi. in just under a year my plan is to pay off PPBiz a little early and reallocate my CL over to Biz+TYP which will still have an untapped 12 month no-fee 0% BT offer. obviously any Citi AA would seriously impact this plan so i am treading warily because...

BTs & Credit Pulls - there seems to be an increasing likelihood that any BT might provoke at least a soft pull (not only is this what happened with Juniper pulling EQ that caused their AA, but all the recent BT T&Cs i've read ask you to agree to an additional credit pull when accessing the BT line (obviously it is at their discretion whether they do, but it seems likely that this will become standard). it seems to be a second line of defense against undesirable extended credit, and although most people who AOR don't really fall into that category, we sure as hell look as though we do! so i guess we have to take this carefully until we have a few more data points (ie how high a ratio BT will provoke an automatic pull and which will fly under the radar).

Bumpage - pleased to discover today that daily pulls with CK since i started (and a few odd trial pulls with others) have removed all previous Inquiries with TU, leaving only the 8 that were part of this AOR.

Citi Associated - didn't really consider this one because i wanted to secure the O% biz cards with Citi and follow the process outlined above.

Conservative vs Rapacious AOR - interestingly, i think if i hadn't got so excited with the whole process (and i hadn't wanted so many specific bonuses) i would probably have been a little more cautious with the number of apps. obviously it's worked out fine so far for me, but i think i will do a lot more planning and specific targeting next time (since those new inquiries and random unneccessary cards are proving more trouble than they're worth).

think that's covered everything for now. for what it's worth, current BTs:
Citi PPBiz: $22,000
National City Lifespring: $6,700
Elan M&T: $6,925
US Bank Sons of Norway: $9000


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