Thanks in advance for using DansDeals links when you apply for credit cards!
Your support of the site is most appreciated!American Express is a DansDeals.com advertiser.AMEX Consumer:-Starwood Preferred Guest® Credit Card from American Express-The Amex EveryDay Credit Card from American Express-The Amex EveryDay Preferred Credit Card from American Express-American Express® Premier Rewards Gold Card-Platinum Card® from American Express-Gold Delta SkyMiles® Credit Card from American Express-Blue Cash Everyday® Card from American Express-Blue Cash Preferred® Card from American ExpressAMEX Businesss:-Starwood Preferred Guest® Business Credit Card from American Express-Gold Delta SkyMiles® Business Credit Card from American Express–The Enhanced Business Gold Rewards Card from American Express OPEN–The Business Platinum Card® from American Express OPEN–SimplyCash® Business Card from American Express–Business Green Rewards Card from American Express OPEN–The Blue for Business® Credit Card from American Express OPENBOFA Consumer:-BankAmericard Travel Rewards Credit Card-BankAmericard Credit Card-BankAmericard Cash Rewards Credit CardCapital One Consumer:-Capital One Venture Rewards Credit Card-Capital One VentureOne Rewards Credit Card-Capital One Secured MasterCard-Capital One QuicksilverOne Cash Rewards Credit Card-Capital One Quicksilver Cash Rewards Credit Card-Capital One Platinum Credit Card-Sony Card from Capital One-PlayStation Card from Capital One-Journey Student Rewards from Capital OneCapital One Business:-Capital One Spark Cash for Business-Capital One Spark Miles Select for Business-Capital One Spark Classic for Business-Capital One Spark Miles for Business-Capital One Spark Cash Select for Business"3 Browser Method"
The 3 browser method (3BM) is a technique that I've been using for 10 years with that has since 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: 800-297-3276Barclay:
866-408-4064 (Application reconsideration)BoFA:
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 57117Retention 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.