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"3 Browser Method"The 3 browser method (3BM) is a technique that I came up with about 8 years ago with that has now spread across the web. It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free. There's no reason you can't do it as well! Basically the idea is to apply for
3 different credit cards from the same bank (Either from AMEX, Chase, Citi, etc.) at the same exact time using 3 different web browsers, like Chrome, Firefox, Internet Explorer, Safari, etc, etc.
When you do so you typically will only get 1 credit hit regardless of how many cards you apply for.
It also increases your odds of getting instantly improved for multiple cards as opposed to applying for multiple cards at separate times.
Credit Pulls:In every state different banks will pull from different credit agencies. The credit agencies are Experian, Equifax, and Transunion.
See this thread for info on where people are saying each bank pulls from in their state.Most banks pull from just one agency, but Capital One is known as being evil for pulling from all 3 agencies.
Credit Freezing:If you live on a state like NJ, where the major banks all pull from Experian you may have a lot of hard pulls on one report but none on other reports. Too many hard pulls in the past 6 months is often a factor for being denied for a card.
People have had success freezing their Experian and one other report when applying for a Chase card to get Chase to pull from an agency where you have fewer hard pulls-making it easier to get approved. You may need to call Chase to let them know which of your reports is not frozen.
The costs are outlined
here. It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online may not be current in that article, here are the current links:
EqufaxExperianTransUnionReconsideration:Even if you are rejected you can always ask for reconsideration for approval. Be proactive by offering to have older cards closed or have credit lines shifted around from older cards to newer cards.
AMEX: 866-314-0237 (Application reconsideration)
Membership Rewards: 800-297-3276
Barclay:866-408-4064 (Application reconsideration)
BoFA: 866-458-8804 (Application reconsideration)
Chase:Chase: 800-432-3117 (Application status)
Chase: 888-270-2127 (Application reconsideration)
Chase: 800-453-9719 (Business card reconsideration)
Chase: 888-245-0625 (Credit Analyst reconsideration)
Chase: 888-622-7547 (Chase Executive Office)
Chase: 888-298-5623 (Credit Reallocation - Consumer)
Chase: 800-453-9719 (Credit Reallocation - Business)
Citi: Citi: 866-606-2787 (Account Analyst)
Citi: 888-201-4523 (New App Approval Status)
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (Credit Dept.)
Citi Credit Bureau Dispute Fax: 866-713-5028
Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117
Retention Bonuses:Before cancelling a card that carries an annual fee, try asking for a retention bonus.
More info in this thread.Annual Fee Refund:There is a grace period for cancelling a card after the appearance of an annual fee to get the fee waived. This is true with new cards that have a fee due immediately and true for cards that have been open for a year and have a fee that posted to the statement. The length of the grace period differs by bank.
AMEX: 60 days for a full refund. Pro-rated refund after 60 days.
Chase: Conflicting reports of either 30 or 60 days. No pro-rating afterwards.
Citi: ?
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US based Cards:American Express Consumer cards:Charge cards:
-Platinum Charge Card, 25,000 points for spending $2,000. $200 annual airline credit. Plat+Priority Pass+Regus Lounge access. Global Entry membership. Starwood Gold status. No Forex fee. $450 annual fee.
-Premier Rewards Gold Charge Card, 25,000 points for spending $2,000. 3x points for airfare, 2x points on gas and groceries. No fee first year and then $125.
-Gold Charge Card, No fee first year and then $125.
Credit cards:
-Blue Cash, No annual fee, $100 cash back for spending $1,000, 3% cash back on groceries, 2% on gas and department stores.
-Blue Cash Preferred, $150 cash back for spending $1,500, 6% cash back on groceries, 3% on gas and department stores. $75 annual fee.
-Blue Sky, No annual fee, 1.33% back towards travel spending.
-Costco, No annual fee with Costco membership, 3% cash back on gas and restaurants, 2% on travel.
-Delta Gold, 30,000 miles for spending $500. Free checked luggage on Delta. $99 annual coach companion ticket. No fee first year and then $95.
-Starwood, 10K Starpoints for spending $1. 15K bonus points for spending $5K within 6 months. Starwood Gold status for spending $30K. 2 Stay/5 Night Elite credit. 3rd night free at Sheratons. No fee first year and then $65.
American Express Business cards:Charge cards:
-Platinum Charge Card 25,000 points for spending $5,000. $200 annual airline credit. Plat+Priority Pass+Regus Lounge access. Global Entry membership. Starwood Gold status. AMEX Open Savings. No Forex fee. $450 annual fee.
-New Business Gold Rewards Card from American Express OPEN Charge Card50K points for spending $5,000 in 3 months. 3 points for every dollar spent on airfare, 2 points for every dollar spent on gas, advertising, or shipping, and a point per dollar everywhere else. AMEX Open Savings. No fee first year and then $175.
-Plum Charge Card, 1.5% cash back by paying balance within 10 days of your statement or 2 months to pay balance. AMEX Open Savings. No fee first year and then $185.
Credit cards:
-Delta Gold 30,000 miles for spending $500. Free checked luggage on Delta. $99 annual coach companion ticket. AMEX Open Savings. No fee first year and then $95.
-Simply Cash No annual fee. 5% cash back on wireless and office supplies. 3% cash back on gas. AMEX Open Savings.
-Starwood 10K Starpoints for spending $1. 15K bonus points for spending $5K. Starwood Gold status for spending $30K. 2 Stay/5 Night Elite credit. 3rd night free at Sheratons. AMEX Open Savings. No fee first year and then $65.
Chase Consumer cards:-British Airways Visa, 50,000 bonus Avios for spending $1,000 in 3 months. 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases. No Forex fees. Every calendar year you make $30,000 in purchases on your British Airways Visa Signature card, you will earn a Travel Together Ticket good for two years when you redeem for a flight on British Airways.
-Freedom Mastercard, No annual fee. 0% Intro APR for 15 months on purchases and balance transfers. $100 cash back for spending $500 in the form of 10,000 points. 5% back in rotating categories in the form of 5 points per dollar. Points can be transferred into miles if you have a Sapphire Preferred, Ink Bold, or Ink Plus card.
-Freedom Visa, No annual fee. 0% Intro APR for 15 months on purchases and balance transfers. $100 cash back for spending $500 in the form of 10,000 points. 5% back in rotating categories in the form of 5 points per dollar. Chase Checking account holders get 10 bonus points per transaction and 10% more points for spending. Points can be transferred into miles if you have a Sapphire Preferred, Ink Bold, or Ink Plus card.
-Marriott Premier, 50K bonus points and free cat. 1-4 night certificate for spending $1,000. Annual free cat. 1-5 night certificate. 15 night elite credit. No Forex fee. No fee first year then $85.
-Sapphire Preferred Visa Signature, 40K points (42,800 after the 7% bonus) for spending $3K. 1.07 points per dollar spent, 2.14 points per dollar spent on car rentals, airfare, hotels, and dining. Points redeemable 1:1 for BA, United, Southwest, or Hyatt points or for 1.25 cents each towards airfare. 7% point bonus for all spending. No Forex fee. No fee first year then $95.
-Sapphire Non-Preferred Visa Signature, No annual fee. 25K points for spending $3K.
-Slate Visa, No annual fee. No balance transfer fees for 60 days and 0% APR on purchases and balance transfers for 15 months.
-Slate Mastercard, No annual fee. No balance transfer fees for 60 days and 0% APR on purchases and balance transfers for 15 months.
-United Explorer, 30K miles for spending $1,000 and adding an additional cardholder. Free checked luggage on United. Free Priority boarding with card. Non-expiring miles with card. Expanded Saver award availability. Last seat Standard award availability with card. Free primary Car Rental CDW. 2 annual lounge passes. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for United purchases. No fee first year then $95.
-You can try sending a secure message to Chase after getting the card to ask for 55K miles plus $50 statement credit.-United Club (Click on Club tab), 1.5 miles per dollar spent. 2 free checked bags on United. Free Premier boarding, security lines, and baggage with card. United lounge membership. Airport Terminal access even when not flying to access United or USAirways clubs. Waived expedite award fees. Non-expiring miles with card. Expanded Saver award availability. Last seat Standard award availability with card. Free primary Car Rental CDW. 2 annual lounge passes. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for United purchases.
-You can try sending a secure message to Chase after getting the card to ask for the annual fee fee to be waived the first year.Chase Business Cards:-Ink Bold Ultimate Rewards 50K points for spending $5K in 3 months. Points redeemable 1:1 for BA, CO, or Hyatt points or for 1.25 cents each towards airfare. 5 points per dollar on wireless, landline, cable services, and office supplies. 2 points per dollar on gas and hotels. 1 point per dollar elsewhere. No fee first year then $95.
-Ink Plus Ultimate Rewards 50K points for spending $5K in 3 months. Points redeemable 1:1 for BA, CO, or Hyatt points or for 1.25 cents each towards airfare. 5 points per dollar on wireless, landline, cable services, and office supplies. 2 points per dollar on gas and hotels. 1 point per dollar elsewhere. No fee first year then $95.[/b]
-Ink Cash, No annual fee. 20K points for spending $3K in 3 months. 5 points per dollar on wireless, landline, cable services, and office supplies. 2 points per dollar on gas and dining. 1 point per dollar elsewhere. 0% APR for 6 months. Points can be transferred into miles if you have a Sapphire Preferred, Ink Bold, or Ink Plus card.
-United Explorer (Click on "Are you a business owner" on the top-right), 30K miles for spending $1. Free checked luggage on United. Free Priority boarding with card. Non-expiring miles with card. Expanded Saver award availability. Last seat Standard award availability with card. Free primary Car Rental CDW. 2 annual lounge passes. 10K bonus miles for spending $25K annually. Comp upgrades for elite cardholders on award tickets. Double miles for United purchases. No fee first year then $95.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles plus $50 statement credit.Barclay:-Barclay Arrival 40K
-Barclay Arrival 40K (Alternate link for use when applying from Israel)
-Barclay Arrival 20K
-Barclay Arrival 20K (Alternate link for use when applying from Israel)
-Barclay Rewards,
-Frontier,
-Lufthansa,
-USAirways,
-VirginAmerica,
Citi:
American Consumer
American Business
-Dividend 5% for Students
-Hilton
-Hilton Reserve
-Simplicity
-ThankYou Preferred
Discover:
-Discover It
-Discover Student
Canada based Cards:
American Express Canada:
Airmiles
Gold Rewards and Business Gold Rewards
Starwood Consumer 15K points for signing up for each card, a free weekend night annually for spending $40K, SPG Gold annually for spending $30K
MBNA Canada:
MBNA Best Western No annual fee. Receive 20,000 bonus Best Western Rewards points for spending $1. Earn 1.5 Best Western Rewards points for every $1 spent. Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year.
MBNA Gold No annual fee.
MBNA Platinum, No annual fee. 0% APR for 10 months.
MBNA PremierRewards No Annual Fee. 1% back on purchases.
MBNA WorldPoints, No annual fee. 1,000 Bonus WorldPoints for spending $1 and 1,000 Bonus WorldPoints each year on your account anniversary.
MBNA Sony No annual fee. Get 2,000 Sony Points for spending $1.
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