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brianlp518's personal AOR 2.0 Archived From: Finance

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   posted: Feb. 4, 2008 @ 11:26p
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I did okay on my business AOR ($111k in new credit, and $132k in balance transfers)

This time I'm going for personal cards. For some reason, I went insane, and decided to apply to as many cards as I could find. My goal:
1) Build as much credit with the same bank (Citi, Chase, etc.)
2) As much BT money as possible.
3) As much $$ from CardSelection.com (CS)

Age: 23
Stated HHI: $150k
~7 year credit history, Oldest card ~4 years (Providian, now WAMU)

Original Cards......................Type.......Limit
Citibank Dividend Platinum Select...Personal...$30k (CLR $29k to CitiBusiness from AOR 1.0, ended up w/ $30k back on card)
Chase Freedom.......................Personal....$1k (CLR $13k to Chase GM Business from AOR 1.0)
Providian/WAMU Platinum.............Personal...$12k
Total..........................................$43k (0% utilization)
*Note: Also have 11 Business Cards (see Business AOR 1.0) which won't show up on my CR

## Card                                              Issuer       Type      Rate   Period   Max Charge CS Bonus  Date Applied Approved Amount  Comment
01 Associated Bank Visa® Platinum                    Citi         Personal  0.00%  12 months   $0.00     $0.00    2/04/2008      Declined      Too many inquiries
02 Citi® Upromise® Card                              Citi         Personal  0.00%  12 months   $0.00    $25.00    2/04/2008     $3,600.00      Instant
03 National City Lifespring Health                   Nat City     Business  0.00%  12 months   $0.00     $0.00    2/04/2008     $1,000.00      Received a call 2/6. Not calling back.
04 BOA NEA WorldPoints                               BofA         Personal  0.00%  12 months  $30.00     $0.00    2/04/2008     $15,500.00     Inquiry on 2/19. On CR 2/25. No card yet!
05 National Park Foundation Platinum Visa®           Juniper      Personal  0.00%  12 months  $50.00     $0.00    2/04/2008     $7,700.00      Instant
06 Chase Flexible Rewards Platinum Visa®             Chase        Personal  0.00%  12 months  $75.00    $25.00    2/04/2008      Declined      Too many inquiries
07 Chase Free Cash RewardsSM Visa® Card              Chase        Personal  0.00%  12 months  $75.00    $25.00    2/04/2008      Declined      Too many inquiries
08 Chase Platinum MasterCard®                        Chase        Personal  0.00%  12 months  $75.00    $25.00    2/04/2008      Declined      Too many inquiries
09 Chase Platinum Visa®                              Chase        Personal  0.00%  12 months  $75.00    $25.00    2/04/2008      Declined      Too many inquiries
10 Sony CardSM                                       Chase        Personal  0.00%  12 months  $75.00    $25.00    2/04/2008      Declined      Too many inquiries
11 Discover® More Card                               Discover     Personal  0.00%  12 months  $75.00    $40.00    2/04/2008       $12,000      Limit via mail. Says $12k on CitiCards.
12 The Weekend Card™                                 HSBC         Personal  0.00%  12 months  $99.00     $0.00    2/04/2008      Declined      Too many inquiries
13 State Farm Bank Good Neighbor Visa® Credit Card   State Farm   Personal  0.00%  9 months    $0.00     $0.00    2/04/2008      Declined      Too many inquiries
14 IN:LASM Card from American Express®               AMEX         Personal  0.00%  6 months    $0.00     $0.00    2/04/2008     $1,100.00      Instant. Will CLR to AMEX Business and close.
15 Bank of America® Platinum Plus® Visa® Card        BofA         Personal  0.00%  6 months    $0.00     $0.00    2/04/2008      Deferred      
16 IberiaBank Visa® Platinum Rewards Card            Iberia       Personal  0.00%  6 months    $0.00     $0.00    2/04/2008      Deferred
17 Pulaski Bank Visa® Gold                           Pulaski      Personal  0.00%  6 months    $0.00     $0.00    2/04/2008    Attempted?      App not sent. Same as IberiaBank.
18 ESPN Total Access™ Visa® Card                     WAMU         Personal  0.00%  6 months    $0.00     $0.00    2/04/2008     $5,000.00      Instant
19 Washington Mutual Business Card®                  WAMU         Business  0.00%  6 months    $0.00     $0.00    2/04/2008      Declined      Applied to Personal (above)
20 Wells Fargo® Visa® Platinum Card                  Wells Fargo  Personal  0.00%  6 months    $0.00     $0.00    2/04/2008    No attempt      Need WF acct to apply
21 Toys"R"Us & Babies"R"Us MasterCard®               Chase        Personal  0.00%  6 months   $75.00    $25.00    2/04/2008      Declined      Too many inquiries
22 Trump Rewards Visa® card                          Chase        Personal  0.00%  6 months   $75.00    $25.00    2/04/2008      Declined      Too many inquiries
23 Subaru® Platinum MasterCard®                      Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008      Declined      Too many inquiries
24 Hilton HHonors® Platinum Credit Card              AMEX         Personal  2.90%  6 months    $0.00     $0.00    2/04/2008     $2,000.00      CLR to Business AMEX and close      
25 Amazon.com Business Visa® Card                    Chase        Business                              $35.00    2/04/2008      Declined      Too many inquiries
26 Amazon.com Platinum Visa® Card                    Chase        Personal                              $25.00    2/04/2008      Declined      Too many inquiries
27 Amtrak Guest Rewards® World MasterCard®           Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008      Declined      Too many inquiries
28 Borders 3.2.1SM Visa® Card                        Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008      Declined      Too many inquiries
29 Pier 1 Rewards MasterCard®                        Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008      Declined      Too many inquiries
30 SeaMiles® Visa® Rewards Card                      Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008      Declined     Too many inquiries
31 BP Visa® Rewards Card                             Chase        Personal  0.00%  6 months   $99.00    $25.00    2/04/2008     $5,500.00      Too many inquiries
32 RBS Platinum Mastercard                           RBS          Personal  0.00% 10 months   $60        $0.00    2/09/2008       $200.00      $200?!?! Closed.
                                                                                                       $240.00                 $53,400.00

Balance Transfers
## Approved Amount   Adjusted Amount   Rate   Period   Max Charge   Amount BT'd   Route
18      $5,000             $5,000       0%       6         $0         $4,500      CCOA
05      $7,700             $7,700       0%      12        $30         $7,500      CCOA
11     $12,000            $12,000       0%      12        $75        $12,000      CCOA
Total  $24,700            $24,700                        $105        $24,000     
CCOA = Credit card on application (Citi PS)


Credit Score (Changes only)
Date........TU....EX....EQ....Source	
1/01/2008...832...............WAMU Card
1/19/2008...755...747...758...PM123
1/25/2008...771...767...771...Citi
1/25/2008.........768.........Experian
1/25/2008...753...............TrueCredit
2/04/2008.........778.........WAMU Card
2/05/2008...754...............Nat City
2/05/2008...749...............TrueCredit
2/10/2008...758...............TrueCredit
2/14/2008...746...719...759...TrueCredit
2/15/2008...745...719...759...TrueCredit
2/18/2008...747...719...770...TrueCredit
2/20/2008...760...719...770...TrueCredit
2/23/2008...765...725...769...TrueCredit
2/25/2008...767...728...775...TrueCredit

Hard Inquiries (Changes only)
Date.......TU..EX..EQ
1/13/2008..2...2...0 (before buisness AOR)
1/19/2008..7...9...3 (after personal AOR/before personal AOR)
2/05/2008..7..16...4
2/06/2008.12..17...4
2/07/2008.13..17...4
2/10/2008.13..18...5
2/18/2008.12..18...1 <~~1st B* plus EFX dispute applied
2/20/2008..6..18...1 <~~2nd B*
2/23/2008..3..18...1 <~~3rd B*
2/25/2008..2...18..1 <~~4th B*

Inquiries so far: (underlined = B*d)
TUC 02/19/2008 BK OF AMER
EFX 02/10/2008 RBS CC
XPN 02/09/2008 AMEX
EXP 02/06/2008 STATE FARM FINANCIAL S
TUC 02/05/2008 PULASKI/IBER 
EFX 02/04/2008 STATEFARM
XPN 02/04/2008 DISCOVER FINANCIAL SER 
XPN 02/04/2008 HSBC BANK 
XPN 02/04/2008 AMEX 
XPN 02/04/2008 FIRST USA,NA 
XPN 02/04/2008 FIRST USA,NA 
XPN 02/04/2008 BANK OF AMERICA 
XPN 02/04/2008 WASH MUTUAL/PROVIDIAN 
TUC 02/04/2008 BRCLYSBANKDE
TUC 02/04/2008 CITI
TUC 02/04/2008 ST FARM BANK
TUC 02/04/2008 CBUSA
TUC 01/24/2008 DISCOVER
XPN 01/17/2008 FIRST USA,NA 
TUC 01/17/2008 NCBK-NCCS
EFX 01/16/2008 CAPONEBANK
XPN 01/16/2008 BANK OF AMERICA 
XPN 01/16/2008 FNB OMAHA 
XPN 01/16/2008 FIRST USA,NA 
XPN 01/16/2008 ADVANTA FINANCIAL CORP 
XPN 01/16/2008 CAPITAL ONE BANK 
XPN 01/16/2008 AMEX 
TUC 01/16/2008 CAP ONE BANK
TUC 01/16/2008 CITI
TUC 01/16/2008 BRCLYSBANKDE
TUC 01/16/2008 CITI
TUC 01/16/2008 CITI/CBSD
EFX 11/23/2007 DIRECTV-AV (BB HD Advantage!)
XPN 07/03/2007 SAFERENT (New apt)
EFX 04/11/2007 SPRINTNXTL (Cell phone)
XPN 11/23/2006 FIRST USA,NA (Chase Freedom)

Card						Type		Limit		CLR		Adjusted	BT		% BT	Rate	Period		Max Charge
Providian Platinum				Personal	$12,000.00	$0.00		$12,000.00	$0.00		0.0%	1.99%	8 months	$150.00
Chase Freedom					Personal	$14,000.00	-$13,000.00	$1,000.00	$0.00		0.0%	1.99%	5 months	?
Citibank Dividend Platinum Select		Personal	$30,000.00	$0.00		$30,000.00	$33,000.00	110.0%	0.00%	6 months	$75.00
Citibank Professional Card with ThankYou Points	Personal	$9,000.00	-$9,000.00	$0.00		$0.00		0.0%	0.00%	12 months	$50.00
National City Lifespring Health			Personal	$1,000.00	-$1,000.00	$0.00		$0.00		0.0%	0.00%	12 months	$0.00
RBS Platinum					Personal	$200.00		-$200.00	$0.00		$0.00		0.0%	0.00%	10 months	$0.00
Chase BP Visa Rewards				Personal	$5,500.00	$0.00		$5,500.00	$0.00		0.0%	1.99%	6 months	$99.00
Hilton HHonors® Platinum from American Express®	Personal	$2,000.00	$0.00		$2,000.00	$0.00		0.0%	2.90%	6 months	$0.00
National City Lifespring Health			Personal	$1,000.00	$0.00		$1,000.00	$0.00		0.0%	0.00%	12 months	$0.00
Citi® Upromise® Card				Personal	$3,600.00	$0.00		$3,600.00	$0.00		0.0%	0.00%	12 months	$75.00
IN:LASM Card from American Express®		Personal	$1,100.00	$2,000.00	$3,100.00	$0.00		0.0%	0.00%	6 months	$0.00
WAMU ESPN Total Access™ Visa® Card		Personal	$5,000.00	$0.00		$5,000.00	$0.00		0.0%	0.00%	6 months	$0.00
Discover® More Card				Personal	$12,000.00	$0.00		$12,000.00	$0.00		0.0%	0.00%	12 months	$75.00
National Park Foundation Platinum Visa®		Personal	$7,700.00	$0.00		$7,700.00	$0.00		0.0%	0.00%	12 months	$50.00
Bank of America® Platinum Plus® Visa®		Personal	$15,500.00	$0.00		$15,500.00	$0.00		0.0%	0.00%	6 months	$0.00
First National Bank of Omaha Business		Business	$14,500.00	$0.00		$14,500.00	$0.00		0.0%			
AMEX BLUE CASH® FOR BUSINESS			Business	$3,000.00	-$2,000.00	$1,000.00	$0.00		0.0%	7.99%	∞ months	
Capitol One Business Platinum			Business	$500.00		$0.00		$500.00		$0.00		0.0%	0.00%	12 months	$0.00
National City Business				Business	$9,000.00	$0.00		$9,000.00	$9,000.00	100.0%	0.00%	6 months	$0.00
Citibank CitiBusiness® Card			Business	$10,000.00	$37,000.00	$47,000.00	$47,000.00	100.0%	0.00%	12 months	$0.00
Chase GM Business				Business	$12,000.00	$13,000.00	$25,000.00	$24,700.00	98.8%	0.00%	12 months	$75.00
Chase Business Cash Rewards Visa® Card		Business	$8,000.00	$0.00		$8,000.00	$7,700.00	96.3%	0.00%	12 months	$99.00
Chase Platinum Visa Business Card		Business	$7,000.00	$0.00		$7,000.00	$6,700.00	95.7%	0.00%	12 months	$99.00
Chase Business Rebate Card			Business	$8,000.00	$0.00		$8,000.00	$7,700.00	96.3%	0.00%	12 months	$99.00
BankAtlantic Rewards Business Card		Business	$25,000.00	$0.00		$25,000.00	$24,675.00	98.7%	0.00%	15 months	$75.00
Advanta Platinum Business			Business	$5,000.00	$0.00		$5,000.00	$4,850.00	97.0%	0.00%	15 months	$90.00
Totals						Total		$221,600.00	$26,800.00	$248,400.00	$165,325.00	66.6%			
						Old		$56,000.00	-$13,000.00	$43,000.00	$33,000.00	76.7%			
						New		$165,600.00	$39,800.00	$205,400.00	$132,325.00	64.4%			
						New Business	$102,000.00	$48,000.00	$150,000.00	$132,325.00	88.2%			
						New Personal	$63,600.00	-$8,200.00	$55,400.00	$0.00		0.0%			
						Total Personal	$119,600.00	-$21,200.00	$98,400.00	$33,000.00	33.5%			
						Total Business	$102,000.00	$48,000.00	$150,000.00	$132,325.00	88.2%

I hope I don't end up as the "Hey check out brianLp518's thread... That's what you shouldn't be doing" guy.

 

Gimme some pointers!

   posted: Feb. 4, 2008 @ 11:26p

Quick Summary is created and edited by users like you... Add FAQ's, Links and other Relevant Information by clicking the edit button in the lower right hand corner of this message.

   posted: Feb. 5, 2008 @ 12:46a
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Your going to get to many personal cards, if you have a chance move as much as you can to business lines. Read jericons thread, lots of A/A after 20 new accounts in 12 months.

Good luck

   posted: Feb. 5, 2008 @ 1:49a
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I think with part 1, you may have done way too many Chase apps.
I've always gotten errors when doing more than 1 chase app at a time (Cookie error - Already applied) This is even when I try a cobranded first USA card, or a biz card. When resetting the cookies and doing it manually, I get letters saying only 1 app allowed, etc.

I'd reccomend adding your biz apps into one thread. I don't see too many 40+ AoRs anymore. You also could have hit up some other banks.

   posted: Feb. 5, 2008 @ 2:45a
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yeah... i stopped at 20 last night, but i just got AOR crazy and kept applying for Chase cards (roboform egged me on)... thru CS, it gave me that error, but i would close my browser, relogin, and it was all good.

i think i won't activate the lines that are less than $5000, and just b* as many inquiries as possible, and hold on to my butt...

any suggests to avoid A/A's?

   posted: Feb. 5, 2008 @ 5:53a
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15 Chase apps? Be sure to post results. I'm sure it will be amusing.

Not activating a new card doesn't matter, it still shows up on your credit report.

brianLp518 said:any suggests to avoid A/A's?
Too late.

   posted: Feb. 5, 2008 @ 9:17a
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Great formatting on the OP, honestly its the easiest read AOR post I've seen. Good luck!

   posted: Feb. 5, 2008 @ 10:12a
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wow, that's an a$$load of apps. yikes.

   posted: Feb. 5, 2008 @ 10:18a
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I think Chase might go after you.

   posted: Feb. 5, 2008 @ 10:22a
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eek...

   posted: Feb. 5, 2008 @ 10:26a
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could i scream identity theft and get away with it?

   posted: Feb. 5, 2008 @ 10:32a
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Maybe, but don't do it unless you're absolutely sure they they are going to take adverse action on your accounts.

   posted: Feb. 5, 2008 @ 10:35a
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Can't wait to see what happens b/c I'm planning to apply to as many chase (or affinity) cards (mostly on the biz side).

   posted: Feb. 5, 2008 @ 10:42a
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I already have 4 chase biz cards...

   posted: Feb. 5, 2008 @ 10:58a
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Ditto - I had five and consolidated them down to one-$81K line. I'm going to reapply for the four I closed with the same Sole-P and with a new S-Corp plus add in about 10-15 more Chase and other biz cards. It's almost queued up - hope to launch next week.

   posted: Feb. 5, 2008 @ 11:38a
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brianLp518 said:yeah... i stopped at 20 last night, but i just got AOR crazy and kept applying for Chase cards (roboform egged me on)... thru CS, it gave me that error, but i would close my browser, relogin, and it was all good.

i think i won't activate the lines that are less than $5000, and just b* as many inquiries as possible, and hold on to my butt...

any suggests to avoid A/A's?


So how many INQ so far? Was there any ryme or reason to your apps, or did you just pick a bunch of apps?


Ditto on the great format!


If you could,,,, pay close attention to each cards comments. It would be nice to know which chase don't see each other.

   posted: Feb. 5, 2008 @ 12:07p
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brianLp518 said:could i scream identity theft and get away with it?

Call Chase now and say you had some kind of automated appliation program error.

-To err is human, to really screw up it takes a computer.

   posted: Feb. 5, 2008 @ 12:27p
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win333 said:
So how many INQ so far? Was there any ryme or reason to your apps, or did you just pick a bunch of apps?
(See new list in OP)

win333 said:If you could,,,, pay close attention to each cards comments. It would be nice to know which chase don't see each other.
I'll be updating daily...

   posted: Feb. 5, 2008 @ 1:46p
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OP, how long is your credit history and what were your existing lines like?

2Cor521

   posted: Feb. 5, 2008 @ 2:26p
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see business AOR listed in OP.
I'm 23, credit history of about 7 years... only 3-4 years for oldest acct.
My Providian/WAMU gives me a TU FAKO of 825 (as of 01-08). You can see my credit scores/lines listed in the business AOR thread as well.

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