I am working on the list of cards for my personal only AOR with a very simple goal:
get as much BT as possible.

Personal cards to apply for (in order of importance/application)
---------------------------------------------------------------------
Chase Sony - 0% 12m BT, $75 fee, $100 after purchase
Try to consolidate with Chase flexible rewards
Link

BOA Platnium Plus, 12 mos, 0%, $0 fee (Updated!)
This matches what I have, so I will try to consolidate!
Link

Bank Atlantic(Barclay's)- 0% 15m BT, $75 fee
Link

I Fly America (Barclay's)- 0% 12m BT, $50 fee
Link

National Parks Visa(Barclay's) - 0% 12m BT, $50 fee
Link

USbank Linux - 0% 12m, 0 BT fee.
IMPORTANT: Check with a CSR: apply over the phone ONLY! Otherwise will pay all the fees.
Consolidate with Baylor card.
Link

AMEX in NYC - 6m, $0 fee for 90 days after the application
Link

Discover CashBack bonus - 0% 12m BT, $75 fee
This matches what I have - good for consolidation with my old discover
Link

Wachovia - 0% 12m, $75
Link

Penfed Platinum Visa - 0 fee for BT, %2.99 for life on BT
Link

Citi: AT&T Universal - 0% 12 BT $0
I don't think I have to apply for another citi card??
Link

GE Money - 0% 12m BT, $75 fee
Does NOT mention 12m 0% in the terms!
Link

Personal Cards I have:
----------------------
These are the oldest ones, just keep the due to the age:
Card: CL: Balance
Chase Freedom 1,000 0
Citi diamond preferred rewards 1,000 0

These are the newest ones with 0% BT offer valid for about 10 months,
I didn't do the BT yet, planning to do it after this mini AOR
Citi drivers edge 18,400 0
Baylor 10,000 0
National city Lifespring 3,000 0

These have some balances from the previous year AOR:
Chase Sony 2,500 0
Chase flexible rewards 21,000 8900
Bank of America Plat Plus 21,000 10439
Discover CashBack bonus 8,000 0

Utilization: %22.5

Personal credit
---------------
HHI: 110K
Oldest card - 4 y.o.

Inquiries
---------
Experian 08/21/2007
Equifax 06/28/2007
Experian 06/28/2007
Experian 06/28/2007
Experian 06/28/2007
Experian 06/28/2007
Equifax 06/18/2007
Experian 05/13/2007

Total: EX: 6, EQ:2, TU:0

Credit Score
------------
From creditkarma.com
TU: 755

From trucredit.com
TU: 713

From Chaseidentityprotection.com:
EQ: 620
EX: 617
TU: 631

Please comment on the card selection: what cards you recommend to add or exclude?

Pay down the balances first.

One conservative approach would be to have reduce the number of cards showing a balance, have no card over 50%, and get global utilization under 10%. Take note of the low chase id protect scores.

But let's look at it from a cost-benefit basis, too. Let's ASSUME that you have liquid cash to pay of these cards. How much longer do you have left on the current 0% deals? Probably not that long. Not only that, but the balances are with BofA, Chase, and Discover, ALL of which are banks where you can reallocate lines and do really effective balance transfers... but you can't reallocate limits if the card is maxed out. So you're effectively costing yourself some size on your next transfer with those banks.

To be honest, I don't know why you bothered applying for the 0% cards a few months ago, especially if they remain unused. It's not "o-rama-ey" at all.

akor said:National Parks Visa(Barclay's) - 0% 12m BT, $50 fee
Link

I'd go with the iFly instead of Nat Parks. iFly gives a $15 statement credit on first purchase or BT. Nat Parks is supposed to give a bag but I haven't received anything yet. I got the iFly credit shortly after I made a purchase. Plus I got my first magazine last week from the free subscription!

akor said:Citi: AT&T Universal - 0% 12 BT $0
I don't think I have to apply for another citi card??
Link

Where did you get this card list? Have you been checking other A0R's? If so, look again.

Anyway, try the Citi Associated Bank – 12 mos, 0%, 0 BT Fees. It doesn't count against the Citi total since it is co-branded. They have been handing out generous CLs also. Two more cool things - make sure you personalize in order to figure out if you have been approved if you don't get an instant (props to swishyx) AND the 12 mo BT is good for 12 mos from the date you initiate the BT, not account open.

EDIT: meant to put 'in addition to the AT&T Universal' - not instead of...

dougneb said:akor said:BOA Platinum Plus - 12m, 3% for BT and cash advance.
This matches what I have, so I will try to consolidate
and try to get a cap on the BT fee from a retention dept.
Link


How about the BofA NEA Rewards - 12 mos, 0%, $30 fee cap. Not sure what they'll do since you already are carrying a BofA balance but I was instantly approved, they reallocated from an existing BofA card and ACHed the money straight into my checking account.Better yet, try the BOA Platnium Plus, 12 mos, 0%, $0 fee Link to BOA $0 fee 12 mo 0%

akor said:Fifth Third - 12m, %3.9 for life $99 capI would not recommend doing this. My rents have it. They are pretty stingy on CL's and you can only make payments to the card electronically with a 5/3 account. Again, I think there are better cards out there to use up your inquiries. Search other's AOR lists for a better AOR list.

madshana said:

The terms come up 3% fee with $10 min no max for me. Do you think the site determines your zip code and adjusts accordingly?

I see that for cash advances but the TOC that pop up for me says "Standard Balance Transfer Fee: None"

Edit: I am in North Carolina (?)

Nice find Mike on the "new generic" platinum plus card. Seems like it was intended to be targeted, and a pity the limit seemingly maxes at 15,000, but I'd give it a shot if I was applying for stuff.

MikeR397 said:akor said:Fifth Third - 12m, %3.9 for life $99 capI would not recommend doing this. My rents have it. They are pretty stingy on CL's and you can only make payments to the card electronically with a 5/3 account. Again, I think there are better cards out there to use up your inquiries. Search other's AOR lists for a better AOR list.

As per MikeR397's recommendation I am updating the list of cards I will apply for:
- skip HSBC
- skip RBS
- add a very very nice BOA card!

Thanks Mike!