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DansDeals Forum => Credit Cards => Topic started by: AsherO on May 02, 2012, 06:51:17 PM

Title: My next app-o-rama...
Post by: AsherO on May 02, 2012, 06:51:17 PM
It's been over six months (IIRC) since I've last applied for a CC, I'm having serious withdrawal. While the CC scene has been slower than last year IMHO (one of the reasons I've been less active on DDF, but that I'll leave for another thread/day...), and Chase has been pursuing A/A more aggressively, I feel like I should go for another round of apps. Here's what I'm thinking:

It's been over 4 months since my Amex shutdown (http://forums.dansdeals.com/index.php?topic=8.msg162109#msg162109), so I'd like to try applying again. I'm thinking of a 2BM, for a regular Plat and MB Plat, and maybe add an SPG. Do you guys think that would be overkill (esp. considering my recent F/R)?

I've got 8 active cards with Chase, and I'd like to go for a few more... Do you guys think I'm pushing it with Chase (i.e. risking A/A) even though I haven't applied with them in over six months ? Should I close some cards? If yes, should I move the CLs to existing cards or not? I'm afraid I'll get denied if I have 8 cards open when applying, even if I offer to close a few. Last time I applied (2BM for 2x50k SW), I had to jump through hoops (http://forums.dansdeals.com/index.php?topic=11364.msg148349;topicseen#msg148349) to get those apps approved (first time I did that same 2BM I got denied (http://forums.dansdeals.com/index.php?topic=14394.msg191750;topicseen#msg191750)), what do y'all think?

I haven't applied for AA cards in a while, so I'm thinking of doing 2-3 Citi AA 50k offers in a 2/3BM, what do you guys think about that?

Throw in a few BofA apps (and maybe a Barclays one too, if I find something worthy), and I think I've got my fix for another few months, what do you guys think?

Thanks in advance for your thoughts, comments, tips, opinions and any other advice you share.
Title: Re: My next app-o-rama...
Post by: HelpMe on May 02, 2012, 07:00:20 PM
How many cards total?
Title: Re: My next app-o-rama...
Post by: lcyitz on May 02, 2012, 07:12:22 PM
It's been over 4 months since my Amex shutdown (http://forums.dansdeals.com/index.php?action=profile;u=14), so I'd like to try applying again. I'm thinking of a 2BM, for a regular Plat and MB Plat, and maybe add an SPG. Do you guys think that would be overkill (esp. considering my recent F/R)?

I think 3 is pushing it a bit, but i would def go for a 2bm. ( i think amex is pretty good with instant approvals but ymmv.)
Title: Re: My next app-o-rama...
Post by: AsherO on May 02, 2012, 07:18:23 PM
How many cards total?

As few a 4 and as many as 11, depending on feedback I get, and how I feel about it at the time I'm applying.
Title: Re: Re: My next app-o-rama...
Post by: Ergel on May 02, 2012, 07:38:44 PM
As few a 4 and as many as 11, depending on feedback I get, and how I feel about it at the time I'm applying.
I don't think it will hurt you to apply for more AMEX cards. If they approve you great and if not not. Same with citi. I'd Be a little more nervous about chase because approval could lead to closure.
Title: Re: My next app-o-rama...
Post by: myb821 on May 02, 2012, 08:00:56 PM
I have really wanted to apply for some new chase cards but scared stiff since my AA
Title: Re: My next app-o-rama...
Post by: Side incomer on May 02, 2012, 08:08:21 PM
Def. would not push with Chase after having open 8 cards.
Title: Re: My next app-o-rama...
Post by: smart brit on May 02, 2012, 08:33:49 PM
Imo chase is a no no after having 8 cards with them i wouldn't apply with them. but why not try aa or bofa?
Title: Re: My next app-o-rama...
Post by: AsherO on May 02, 2012, 08:38:15 PM
I have really wanted to apply for some new chase cards but scared stiff since my AA
Def. would not push with Chase after having open 8 cards.
Imo chase is a no no after having 8 cards with them i wouldn't apply with them. but why not try aa or bofa?

So what are you guys saying? Don't apply with Chase ever again? Apply again, in a while? Close some (2-3) cards now, then apply again after 30 days? If the latter, should I retain the CLs ($10k+ overall), or not?
Title: Re: Re: My next app-o-rama...
Post by: Ergel on May 02, 2012, 08:40:13 PM
So what are you guys saying? Don't apply with Chase ever again? Apply again, in a while? Close some (2-3) cards now, then apply again after 30 days? If the latter, should I retain the CLs ($10k+ overall), or not?
I think you can apply for chase. Just don't over do it. Close some cards down to get new ones approved
Title: Re: My next app-o-rama...
Post by: Dan on May 02, 2012, 08:42:44 PM
Imo chase is a no no after having 8 cards with them i wouldn't apply with them. but why not try aa or bofa?
Funny because I kept going to 10 currently active.

I think you'll be fine opening 2 more and shmoozing recon into closing 2 unwanted cards for the new ones.  The real question is do you want to do that before trying to get back into AMEX so that if you have a backup if the worst happens?

Title: Re: My next app-o-rama...
Post by: Side incomer on May 02, 2012, 08:46:42 PM
Funny because I kept going to 10 currently active.

I think you'll be fine opening 2 more and shmoozing recon into closing 2 unwanted cards for the new ones.  The real question is do you want to do that before trying to get back into AMEX so that if you have a backup if the worst happens?
+1
Hard chances t get approved with AA, after seeing 8 cards "closed by issuer"
"והיה המחנה הנשאר לפליטה"
So what are you guys saying? Don't apply with Chase ever again? Apply again, in a while? Close some (2-3) cards now, then apply again after 30 days? If the latter, should I retain the CLs ($10k+ overall), or not?
From what I've seen, Chase considers closed accounts as active ones, as long as they stay on your online summary (which should be 60 or 90 days, not sure), so I would def. wait till they fall off, before applying for new ones.
When my wife got AA'd, she only had 4 active cards, but on the letter she got, they insisted closing 7 accounts, which were the 3 cards, that were recently closed, and Chase considered them active.
I've fished this out also from the AA thread, that for some people after they open their cards after apeal, they got back all the cards they closed within a period of time.
So, closing, and right away reapllying wouldn't help IMHO
Title: Re: My next app-o-rama...
Post by: Yellow on May 02, 2012, 09:02:01 PM
IMHO I think that doing a 2/3BM with Amex platinum's is a good idea. AFAIK (According to the DDF wiki) 2/3BM's aren't a trigger for F/R so worst case is that they just won't approve you. (Just I wouldn't necessarily apply for business charge cards because those seem to be a trigger, CMIIW)
As far as chase, I would personally hold off until there are clearer data points as to what causes the AA's. Right now there is a ton of speculation but nothing definitive. (But I was once AA'd which may be why i'm a bit paranoid)
maybe for this churn stick with Barclays/citi/amex. Even without chase I think you'll have a fun and fruitful AOR  8)
Title: Re: My next app-o-rama...
Post by: Lamdan on May 02, 2012, 10:27:45 PM
If you apply with Chase, right after you apply, call recon and try to move over credit from an existing card, if you don't you may get approved for more credit, which these days isn't such a good thing. I did this, I applied, called the next day recon, I right away asked if they could move over credit, and they did.
Title: Re: My next app-o-rama...
Post by: Tzadik Nistar on May 02, 2012, 10:45:21 PM
is AA 50K still available?
Title: Re: My next app-o-rama...
Post by: asd on May 02, 2012, 10:48:13 PM
is is so poshut you could churn citi aa
Title: Re: My next app-o-rama...
Post by: Dan on May 02, 2012, 10:50:34 PM
is is so poshut you could churn citi aa
That's probably the hardest churn out there today.
Title: Re: My next app-o-rama...
Post by: dans fan on May 02, 2012, 10:56:06 PM
2bm and 3bm with other banks is olso a trig with chase a/a
Title: Re: My next app-o-rama...
Post by: ae123 on May 02, 2012, 11:26:55 PM
That's probably the hardest churn out there today.

Are you saying that if I closed my Citi AA about 4 months ago, it's tough to churn now even with a different FF number?
Title: Re: My next app-o-rama...
Post by: AsherO on May 03, 2012, 02:30:28 AM
is AA 50K still available?

I think so, backdoor links anyway.

is is so poshut you could churn citi aa

Who said anything about poshut? I can always rack up some TYP in case they ever come around again with mileage transfers.

That's probably the hardest churn out there today.

More than BA?

2bm and 3bm with other banks is olso a trig with chase a/a

I'd say just a lot of new accounts/inquiries.

Are you saying that if I closed my Citi AA about 4 months ago, it's tough to churn now even with a different FF number?

Tough enough that I wouldn't expect approval, especially not after only four months.

Title: Re: My next app-o-rama...
Post by: Drago on May 03, 2012, 08:41:32 AM
That's probably the hardest churn out there today.

arent the reports saying that 18 months is enough?
Title: Re: My next app-o-rama...
Post by: YudiG on May 03, 2012, 09:25:58 AM
Did you get shutdown by amex or preempt by closing yourself? four months is kind of short...I've been waiting a year and am getting itchy especially since I have a good spg invite offer they sent...:(

Should we just both go for it and pray? :)
Title: Re: My next app-o-rama...
Post by: asks on May 03, 2012, 10:01:44 AM
That's probably the hardest churn out there today.
seems to be that you need to wait over a year to get a new one approved
Title: Re: My next app-o-rama...
Post by: asks on May 03, 2012, 10:03:10 AM
Did you get shutdown by amex or preempt by closing yourself? four months is kind of short...I've been waiting a year and am getting itchy especially since I have a good spg invite offer they sent...:(

Should we just both go for it and pray? :)
what was your spg invite offer?
Title: Re: My next app-o-rama...
Post by: Dan on May 03, 2012, 10:23:07 AM
Are you saying that if I closed my Citi AA about 4 months ago, it's tough to churn now even with a different FF number?
A new FFN does nothing for Citi.
Title: Re: My next app-o-rama...
Post by: AsherO on May 03, 2012, 11:27:27 AM
Did you get shutdown by amex or preempt by closing yourself? four months is kind of short...I've been waiting a year and am getting itchy especially since I have a good spg invite offer they sent...:(

I closed 6 of 7 cards preemptively (see my link above to the Amex FR thread for the details), I was hoping they'd let me keep the 1 account I left open, in retrospect that wasn't such a smart idea...
Title: Re: My next app-o-rama...
Post by: YudiG on May 03, 2012, 01:22:41 PM
I closed 6 of 7 cards preemptively (see my link above to the Amex FR thread for the details), I was hoping they'd let me keep the 1 account I left open, in retrospect that wasn't such a smart idea...

link wasnt working at first....oh well...i've got the same predicament as you...I think I'll hold off but maybe go for one amex...it has been a year...
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 02:04:34 PM
2bm and 3bm with other banks is olso a trig with chase a/a

I'd say just a lot of new accounts/inquiries.

+1, with 8 active Chase cards, applying and/or getting approved for another several cards (even from other banks) would definitely risk being A/A'd IMHO. That's especially so if you apply with Chase after the others, as the recon agent (which you'll almost surely need) will likely see the pulls/new accounts. However, even if you apply for Chase before the others, there is still a risk that during a subsequent account review (soft pull), they may discover the new pulls/accounts and freak A/A ch'v.
Title: Re: My next app-o-rama...
Post by: AsherO on May 03, 2012, 02:06:09 PM
+1, with 8 active Chase cards, applying and/or getting approved for another several cards (even from other banks) would definitely risk being A/A'd IMHO. That's especially so if you apply with Chase after the others, as the recon agent will likely see the pulls/new accounts. However, even if you apply for Chase before the others, there is still a risk that during a subsequent account review (soft pull), they may discover the new pulls/accounts and freak A/A ch'v.

So if I want to stay with Chase no more churning for me ever? How long should I wait, or does that depend on how Chase A/A policies play out (i.e. see if it gets better/worse)?
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 02:11:30 PM
I'd say the latter. It just seems like skating on thin ice in the current environment and not worth the risk. To be sure, I'm not saying you can never sign up for another Chase card. Nor am I saying that if you do, you'll get A/A'd (what do I know?). All I am saying is that if you absolutely have to satiate the credit card application bug (which I certainly understand as I'm getting ready for my own AOR), I'd definitely, definitely stay the heck away from 11 new card applications.
Title: Re: My next app-o-rama...
Post by: AsherO on May 03, 2012, 02:26:29 PM
I'd say the latter. It just seems like skating on thin ice in the current environment and not worth the risk. To be sure, I'm not saying you can never sign up for another Chase card. Nor am I saying that if you do, you'll get A/A'd (what do I know?). All I am saying is that if you absolutely have to satiate the credit card application bug (which I certainly understand as I'm getting ready for my own AOR), I'd definitely, definitely stay the heck away from 11 new card applications.

You're telling me a lot of what not to do, what would you (or anyone else who wants to comment for that matter) do if you were in my shoes? Thanks all for your feedback.
Title: Re: My next app-o-rama...
Post by: ae123 on May 03, 2012, 04:55:38 PM
A new FFN does nothing for Citi.

Thanks.
Can someone help me with a new question?
Last time I did the Citi Visa AA, both personal and business. Is it only hard to churn the exact card (Visa) or even to apply for the Citi Amex AA is tough?
If it's okay to apply for the Citi Amex AA, should I use a new FF number?
Title: Re: My next app-o-rama...
Post by: Drago on May 03, 2012, 05:06:11 PM
So if I want to stay with Chase no more churning for me ever? How long should I wait, or does that depend on how Chase A/A policies play out (i.e. see if it gets better/worse)?
Are you sure you need all 8 cards with them?
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 05:24:04 PM
Thanks.
Can someone help me with a new question?
Last time I did the Citi Visa AA, both personal and business. Is it only hard to churn the exact card (Visa) or even to apply for the Citi Amex AA is tough?
If it's okay to apply for the Citi Amex AA, should I use a new FF number?

Really not for this thread, but if you don't get the Visa and AmEx at the same time, it's a no go.
Title: Re: Re: My next app-o-rama...
Post by: creditor on May 03, 2012, 05:45:54 PM
You're telling me a lot of what not to do, what would you (or anyone else who wants to comment for that matter) do if you were in my shoes? Thanks all for your feedback.
MHO is, leave amex alone. chances, you'll be approved, after the big fry you had is pretty slim. especially if doing it after apping Chase as they'll see your inq's.
so even if it won't necessarily hurt you but you'll probably not get anywhere.

what I WOULD DO in you sit is secure myself on Chase.
close down a card two. wait 30/60 and start apping Chase again
we all wish you וכל היועץ עלינו עצה טובה תוקם....

PLEEEASE be successful.
Title: Re: My next app-o-rama...
Post by: ae123 on May 03, 2012, 08:32:53 PM
Really not for this thread, but if you don't get the Visa and AmEx at the same time, it's a no go.

I think you misunderstood my question.
I asked it (as per your advice  :D ) on a different thread. I explained my question clearer there.
http://forums.dansdeals.com/index.php?topic=10923.msg221488#msg221488
If you get a chance, I'd appreciate if you - or anyone else knowledgeable - could answer.
Thanks.
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 09:33:54 PM
I think you misunderstood my question.
I asked it (as per your advice  :D ) on a different thread. I explained my question clearer there.
http://forums.dansdeals.com/index.php?topic=10923.msg221488#msg221488
If you get a chance, I'd appreciate if you - or anyone else knowledgeable - could answer.
Thanks.

I didn't misunderstand, but perhaps I could have been clearer.

If, at the time of original application, you do not get both the Visa and AmEx Citi cards, you cannot then (within a certain period of time which some say is 18-24 mos) get the one for which you did not apply, as Citi does not view them as separate products. That rule, however, does not apply to personal and business cards, as those are viewed as distinct products. Hope that explains it.
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on May 03, 2012, 09:40:38 PM
I didn't misunderstand, but perhaps I could have been clearer.

If, at the time of original application, you do not get both the Visa and AmEx Citi cards, you cannot then (within a certain period of time which some say is 18-24 mos) get the one for which you did not apply, as Citi does not view them as separate products. That rule, however, does not apply to personal and business cards, as those are viewed as distinct products. Hope that explains it.
To elaborate on that:
you can do a 2BM now with the citi visa and amex. Then in 2 months apply again but for the business card. Since they are two different products you will not get denied for being a previous cardholder (but you may have to prove your business)
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 09:49:29 PM
You're telling me a lot of what not to do, what would you (or anyone else who wants to comment for that matter) do if you were in my shoes? Thanks all for your feedback.

Well, fortunately or unfortunately, I do not have 8 active Chase cards, but if I were in your position, this is what I'd do:

I would not apply for a Chase card, or any other card for that matter, while having 8 active Chase cards in light of the current environment. There is no doubt IMO that Chase has become more aggressive in the last several weeks regarding A/A.

Now, Dan has mentioned he has 10 active Chase cards, and AFAIK he hasn't had any problems, but I think that's the exception rather than the rule. Perhaps it's my (somewhat) risk-averse personality, but I would, at the very least, reduce the number of Chase accounts while not necessarily reducing the total amount of credit extended. Yes, some might say that is six of one, half a dozen of the other (as for credit purposes, their exposure is still the same), but I personally believe having an excess number of active accounts will certainly catch some attention during a soft- or hard-review (most of it unwanted).

After closing some accounts to get to a more inconspicuous number, I'd still wait a couple of months before applying as some have reported that even those accounts which were closed were being reported as open by Chase when they received their A/A correspondence. Therefore, I'd give those closed accounts a chance to "fall off" their system (if, in fact, they ever will).

You can do the above, or simply wait in the hopes that the innernets can shed some light on Chase's A/A methodology. I'd consider either.

...or if you love risk, just pull the trigger and see what happens, though if I were you, I wouldn't.

In any case, good luck.
/.02
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 09:55:19 PM
To elaborate on that:
you can do a 2BM now with the citi visa and amex. Then in 2 months apply again but for the business card. Since they are two different products you will not get denied for being a previous cardholder (but you may have to prove your business)

Actually, he can't.

He applied for a business and a personal (Visa) four months ago.
Title: Re: My next app-o-rama...
Post by: ae123 on May 03, 2012, 10:39:21 PM
Actually, he can't.

He applied for a business and a personal (Visa) four months ago.

Correct. Thanks, guys, for clarifying.
Title: Re: My next app-o-rama...
Post by: ae123 on May 03, 2012, 10:42:22 PM
I didn't misunderstand, but perhaps I could have been clearer.

If, at the time of original application, you do not get both the Visa and AmEx Citi cards, you cannot then (within a certain period of time which some say is 18-24 mos) get the one for which you did not apply, as Citi does not view them as separate products. That rule, however, does not apply to personal and business cards, as those are viewed as distinct products. Hope that explains it.

So, since I had the Citi Visa AAdvantage Personal and Citi Visa AAdvantage Business, I now would not be able to get Citi Amex AAdvantage at all, both personal and business?  :(
Title: Re: My next app-o-rama...
Post by: AJK on May 03, 2012, 10:50:26 PM
I wouldn't say it's impossible. But I don't think it'd be worth trying after 4 months. As I said earlier, Citi does not allow churning within a certain period of time. I believe the consensus is 18-24 months, though some have likely done it sooner.
Title: Re: My next app-o-rama...
Post by: ae123 on May 03, 2012, 10:53:12 PM
Thank you.
I guess I'll have to try with cards that have Thank You points sign-up bonuses.
Any other options with Citi?
Title: Re: My next app-o-rama...
Post by: HelpMe on May 04, 2012, 12:22:51 AM
You're telling me a lot of what not to do, what would you (or anyone else who wants to comment for that matter) do if you were in my shoes? Thanks all for your feedback.
If I was doing it for sign up bonuses I would apply for one card (two max) from each CC issuer. This would not give maximum benefit but it still would be a nice haul. I would hope for instant approvals with no need to call.
Title: Re: My next app-o-rama...
Post by: AsherO on May 04, 2012, 12:25:28 AM
Are you sure you need all 8 cards with them?

I can close some, what do you suggest?

Really not for this thread.

+100, ae123, please don't hijack my thread.

MHO is, leave amex alone. chances, you'll be approved, after the big fry you had is pretty slim. especially if doing it after apping Chase as they'll see your inq's.
so even if it won't necessarily hurt you but you'll probably not get anywhere.

what I WOULD DO in you sit is secure myself on Chase.
close down a card two. wait 30/60 and start apping Chase again
we all wish you וכל היועץ עלינו עצה טובה תוקם....

PLEEEASE be successful.

Thanks for your feedback/opinion.
Well, fortunately or unfortunately, I do not have 8 active Chase cards, but if I were in your position, this is what I'd do:

I would not apply for a Chase card, or any other card for that matter, while having 8 active Chase cards in light of the current environment. There is no doubt IMO that Chase has become more aggressive in the last several weeks regarding A/A.

Now, Dan has mentioned he has 10 active Chase cards, and AFAIK he hasn't had any problems, but I think that's the exception rather than the rule. Perhaps it's my (somewhat) risk-averse personality, but I would, at the very least, reduce the number of Chase accounts while not necessarily reducing the total amount of credit extended. Yes, some might say that is six of one, half a dozen of the other (as for credit purposes, their exposure is still the same), but I personally believe having an excess number of active accounts will certainly catch some attention during a soft- or hard-review (most of it unwanted).

After closing some accounts to get to a more inconspicuous number, I'd still wait a couple of months before applying as some have reported that even those accounts which were closed were being reported as open by Chase when they received their A/A correspondence. Therefore, I'd give those closed accounts a chance to "fall off" their system (if, in fact, they ever will).

You can do the above, or simply wait in the hopes that the innernets can shed some light on Chase's A/A methodology. I'd consider either.

...or if you love risk, just pull the trigger and see what happens, though if I were you, I wouldn't.

In any case, good luck.
/.02


Thank you for the detailed (verbose :P) response. Seems similar to what creditor is suggested, and you make some compelling points which I'll consider. At times I'm a risk junkie, but that hasn't always worked out for me, I guess I need a dose of my own advice now:

Slow and steady is the way to go in this game



If I was doing it for sign up bonuses I would apply for one card (two max) from each CC issuer. This would not give maximum benefit but it still would be a nice haul. I would hope for instant approvals with no need to call.

Thanks for your advice, I'll be sure to hope, though instant approval is in all likelihood a longshot, freezing and all :P



Once again, thanks all for your thoughts, you guys are really forcing me to think this one through.
Title: Re: My next app-o-rama...
Post by: HelpMe on May 04, 2012, 12:31:01 AM
Some of the offers will get better and some will get worse. No need to go all out right now. Unlike cash back thinking, bonus churning I would guess should look at the long term picture.
Title: Re: My next app-o-rama...
Post by: Drago on May 04, 2012, 01:29:11 AM
Keep in mind that if Chase is closing accounts based off of what they find on soft pulls, it negates the benefits of an AOR, since they may shut you down after a month anyhow if a soft pull convinces them.

I still do AOR's as detailed in this thread, http://forums.dansdeals.com/index.php?topic=12170.0, but I don't feel great about my AA chances. I'm hoping that since I have around 5 accounts with Chase and my total CL isn't so high with them, that I'll slip under the radar.
Title: Re: My next app-o-rama...
Post by: ae123 on May 04, 2012, 08:41:57 AM
+100, ae123, please don't hijack my thread.

Sorry. I tried bringing it over to another thread, as you can see above. Perhaps a moderator can bring the posts over to that thread.
Title: Re: My next app-o-rama...
Post by: good sam on May 06, 2012, 11:16:55 AM
AsherO, keep us posted.
Title: Re: My next app-o-rama...
Post by: AsherO on May 06, 2012, 12:18:08 PM
AsherO, keep us posted.

I was hoping for some feedback from others on here who haven't weighed in yet. I'm not doing anything in the near future, but if I have any news, I'll keep you posted.
Title: Re: Re: My next app-o-rama...
Post by: creditor on May 06, 2012, 12:57:35 PM
BTW am I seeing right ? you have 8 accts with Chase and only 10k cl ?

the CLs ($10k+ overall),
Title: Re: My next app-o-rama...
Post by: AsherO on May 07, 2012, 01:41:34 AM
BTW am I seeing right ? you have 8 accts with Chase and only 10k cl ?

$10k for the 2-3 cards I'd close...
Title: Re: Re: My next app-o-rama...
Post by: creditor on May 07, 2012, 06:17:11 AM
$10k for the 2-3 cards I'd close...
aha. so that might be another reason to just close down some Chase cards with its CL.
it seems that one of the aa triggers is a too high CL.
and I doubt it you'll loose anything from not retaining the CL, as far as leverage. you probably have enough of a CL to leverage from [let me guess 50k+]
keep us posted
Title: Re: My next app-o-rama...
Post by: AsherO on May 07, 2012, 02:54:10 PM
aha. so that might be another reason to just close down some Chase cards with its CL.
it seems that one of the aa triggers is a too high CL.

That was what I was asking, thanks for sharing your thoughts.

and I doubt it you'll loose anything from not retaining the CL, as far as leverage. you probably have enough of a CL to leverage from [let me guess 50k+]

Some of my cards have very low CL (read:not much leverage) and some I wouldn't be willing to close or transfer as I use those for spending and I want to keep my utilization under control (so I gotta maintain a CL of at least 2-3x my monthly spend).
Title: Re: My next app-o-rama...
Post by: Red on May 13, 2012, 03:30:41 PM
I'm looking for some opinions on what cc's to apply for, for a friend. They would like to fly their family from Israel to the US in the summer for a wedding. I figured the best way is to get as many signup bonuses as possible and to sell. (They could borrow the money until all points are sold).

His: Exp score (from credit sesame) is 800.
Current cards are; chase slate for 10 yrs 2k CL, Amex delta opened 4/12 2.5k CL, AU on chase freedom 10+ years 26k CL.

Hers: Exp score (from credit sesame) is 778.
Current cards are; Amex opened 3/12 2.5k CL, AU on the above chase slate 10 yrs 2k CL.

Reported income $87k and spending thresholds shouldn't be a problem, they can spend up to $50k.


I figured to get for both of them; Citi AA (50k)x2 for 100k, Chase SP (40k)+ UA (55k+$50) for 95k+$50.

I was thinking about maybe making the citi a 3bm and adding the dividend for $200, and maybe throw in the barclay nfl card for another $200.

I figured they could make about $7k after everything, assuming they got approved for all the cards. What do you guys think.
Title: Re: My next app-o-rama...
Post by: AsherO on May 14, 2012, 02:33:50 AM
I'm looking for some opinions on what cc's to apply for, for a friend. They would like to fly their family from Israel to the US in the summer for a wedding. I figured the best way is to get as many signup bonuses as possible and to sell. (They could borrow the money until all points are sold).

His: Exp score (from credit sesame) is 800.
Current cards are; chase slate for 10 yrs 2k CL, Amex delta opened 4/12 2.5k CL, AU on chase freedom 10+ years 26k CL.

Hers: Exp score (from credit sesame) is 778.
Current cards are; Amex opened 3/12 2.5k CL, AU on the above chase slate 10 yrs 2k CL.

Reported income $87k and spending thresholds shouldn't be a problem, they can spend up to $50k.


I figured to get for both of them; Citi AA (50k)x2 for 100k, Chase SP (40k)+ UA (55k+$50) for 95k+$50.

I was thinking about maybe making the citi a 3bm and adding the dividend for $200, and maybe throw in the barclay nfl card for another $200.

I figured they could make about $7k after everything, assuming they got approved for all the cards. What do you guys think.

Go for it, but why not add an Amex (MB?) Plat (and maybe also an SPG) for both of them?
Title: Re: My next app-o-rama...
Post by: shmuelb on May 14, 2012, 03:28:23 AM
Can anyone just call Chase and ask them what the deal is, like how many cards are considered too much? Is there a department where they know these things that we can call and ask You do not have to give your info. I only have Slate and VS, I can call and ask in theory, how many more cards I can apply for without risking a/a. Ideas?
Title: Re: My next app-o-rama...
Post by: Drago on May 14, 2012, 05:38:07 AM
Can anyone just call Chase and ask them what the deal is, like how many cards are considered too much? Is there a department where they know these things that we can call and ask You do not have to give your info. I only have Slate and VS, I can call and ask in theory, how many more cards I can apply for without risking a/a. Ideas?
They won't have an answer, probaby b/c there is not set rule about it. If there was, Dan (and many others here) would have been AA'd by now.
Title: Re: My next app-o-rama...
Post by: Red on May 14, 2012, 06:06:52 AM
Go for it, but why not add an Amex (MB?) Plat (and maybe also an SPG) for both of them?

I thought about it, but I didn't want to start with Amex for a few diff. reasons.

The question is will chase be interested in giving her anything as the only card under her name was opened 2 months ago, the other card she has she was only an AU on although it was for about 10 years.
Title: Re: My next app-o-rama...
Post by: Name Changed on May 14, 2012, 09:45:47 AM
The question is will chase be interested in giving her anything as the only card under her name was opened 2 months ago, the other card she has she was only an AU on although it was for about 10 years.
I don't see why Chase should approve her.

If you do a 2BM for 2 chase card, hopefully you will get an instant approval for both.

Title: Re: My next app-o-rama...
Post by: AsherO on May 14, 2012, 10:56:31 AM
They won't have an answer, probaby b/c there is not set rule about it. If there was, Dan (and many others here) would have been AA'd by now.
+1, Even if you got through to the right people at Chase, they wouldn't divulge this proprietary (and valuable) information.

I thought about it, but I didn't want to start with Amex for a few diff. reasons.

Fair enough, it's your credit, use it how you'd like :)

If you do a 2BM for 2 chase card, hopefully you will get an instant approval for both.

+1
Title: Re: My next app-o-rama...
Post by: Red on May 14, 2012, 05:41:00 PM
Here are the results for the apps (http://forums.dansdeals.com/index.php?topic=16024.msg226343#msg226343):

His:2x citi aa-approved, citi dividend-pending. chase sp-pending, ua-pending. barclay nfl-approved.

Hers: all pending.

I'll hopefully have some positive posts soon in the recon threads.  :)
Title: Re: My next app-o-rama...
Post by: ae123 on May 14, 2012, 05:42:28 PM
Pending may mean denied. Start looking up the reconsideration numbers.
Good luck.
Title: Re: My next app-o-rama...
Post by: Red on May 21, 2012, 02:57:47 PM
Here are the results for the apps (http://forums.dansdeals.com/index.php?topic=16024.msg226343#msg226343):

His:2x citi aa-approved, citi dividend-pending. chase sp-pending, ua-pending. barclay nfl-approved.

Hers: all pending.

I'll hopefully have some positive posts soon in the recon threads.  :)

Updated results:

His:2x citi aa- approved, citi dividend-pending (I haven't called yet). chase sp-approved, ua-approved. barclay nfl-approved.

Hers: 2x citi aa-declined, citi dividend-declined. chase sp-declined, ua-approved. barclay nfl-declined.

And now over to the chase (http://forums.dansdeals.com/index.php?topic=8398.msg230358#msg230358) and citi (http://forums.dansdeals.com/index.php?topic=9431.msg230367#msg230367) recon threads for some advice.
Title: Re: My next app-o-rama...
Post by: MenachemMendel on June 03, 2012, 11:35:02 AM
Can I churn an SPG card if I currently have an open SPG? (like it used to be with citi aa).
If not, how long does it need to be between closing the old one and applying for a new one?
Title: Re: My next app-o-rama...
Post by: AsherO on June 03, 2012, 11:37:23 AM
Can I churn an SPG card if I currently have an open SPG? (like it used to be with citi aa).
If not, how long does it need to be between closing the old one and applying for a new one?

You can, but you might have to explain why you need to SPG cards.

FYI, your post doesn't belong in this thread, you should have posted here (http://forums.dansdeals.com/index.php?topic=8028.0).
Title: Re: My next app-o-rama...
Post by: Saver2000 on June 03, 2012, 11:48:14 AM
You can, but you might have to explain why you need two SPG cards.
FTFY
Quote
FYI, your post doesn't belong in this thread, you should have posted here (http://forums.dansdeals.com/index.php?topic=8028.0).

He did post it over there (http://forums.dansdeals.com/index.php?topic=8028.msg235458#msg235458) already, but he posted in your thread bec he wanted you to answer him  :P
Title: Re: My next app-o-rama...
Post by: AsherO on June 03, 2012, 11:50:56 AM
He did post it over there (http://forums.dansdeals.com/index.php?topic=8028.msg235458#msg235458) already, but he posted in your thread bec he wanted you to answer him  :P

Then he honestly doesn't deserve an answer.
Title: Re: My next app-o-rama...
Post by: MenachemMendel on June 03, 2012, 03:03:08 PM
FTFY
He did post it over there (http://forums.dansdeals.com/index.php?topic=8028.msg235458#msg235458) already, but he posted in your thread bec he wanted you to answer him  :P
I posted here because nobody answered there.
Title: Re: My next app-o-rama...
Post by: MenachemMendel on June 06, 2012, 03:23:35 AM
You can, but you might have to explain why you need to SPG cards.


Any ideas of what to say to them if they ask?
Title: Re: My next app-o-rama...
Post by: AsherO on June 06, 2012, 08:39:56 AM
Any ideas of what to say to them if they ask?

With all due respect, I directed you on where to post, GT%*#@O of my thread.
Title: Re: My next app-o-rama...
Post by: AsherO on June 27, 2012, 01:19:50 PM
With 8 or 9 active Chase cards, should I close any before applying or still hope for recon to close for approval. IME from the past, when recon sees so many accounts they're reluctant to approve me for more cards regardless of what I offer to close.

If I'm losing cards, should I reallocate the CLs or let 'em drop off to keep my overall credit with Chase not-too-high?
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 02:24:53 PM
With 8 or 9 active Chase cards, should I close any before applying or still hope for recon to close for approval. IME from the past, when recon sees so many accounts they're reluctant to approve me for more cards regardless of what I offer to close.

If I'm losing cards, should I reallocate the CLs or let 'em drop off to keep my overall credit with Chase not-too-high?

Given the recent abatement in AAs, I'd close and reallocate.
Title: Re: My next app-o-rama...
Post by: Zeeeeks on June 27, 2012, 03:02:31 PM
Given the recent abatement in AAs, I'd close and reallocate.
Would closing help? If I recall correctly the people that were A/A'd, Chase factored in the closed accounts as well.
Title: Re: My next app-o-rama...
Post by: AsherO on June 27, 2012, 03:05:21 PM
Given the recent abatement in AAs, I'd close and reallocate.

Yup, I wish there was a guarantee the A/A reprieve is permanent.

Would closing help? If I recall correctly the people that were A/A'd, Chase factored in the closed accounts as well.

Doesn't matter if I reallocate like AJK suggested.
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 05:03:40 PM
Yup, I wish there was a guarantee the A/A reprieve is permanent.

Just call up your local chabad contact at the CFPB :)
Title: Re: My next app-o-rama...
Post by: AsherO on June 27, 2012, 05:04:11 PM
Just call up your local chabad contact at the CFPB :)

???
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 05:06:08 PM
???

OK, OK, so I won't quit my day job.
Title: Re: My next app-o-rama...
Post by: U-no-me! on June 27, 2012, 05:17:15 PM
OK, OK, so I won't quit my day job.

what's with this "day job" business?
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 05:28:33 PM
what's with this "day job" business?

I know it's surprising, but some of us *do* have day jobs :P
Title: Re: My next app-o-rama...
Post by: AsherO on June 27, 2012, 05:32:33 PM
I know it's surprising, but some of us *do* have day jobs :P

After years of school, you're glad to finally have one, give yourself a few years, it'll wear off :P
Title: Re: My next app-o-rama...
Post by: U-no-me! on June 27, 2012, 05:35:12 PM
I know it's surprising, but some of us *do* have day jobs :P

You must really love your "day job" at burger king since you are constantly mentioning it.  :P

http://forums.dansdeals.com/index.php?topic=7424.msg236285#msg236285 (http://forums.dansdeals.com/index.php?topic=7424.msg236285#msg236285)
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 05:38:49 PM
After years of school, you're glad to finally have one, give yourself a few years, it'll wear off :P

This, too, I know. I worked for a couple years before getting my "doctorate."

Heck, I just got back from MLE and am itching to get outta dodge.
Title: Re: My next app-o-rama...
Post by: Dan on June 27, 2012, 06:46:34 PM
This, too, I know. I worked for a couple years before getting my "doctorate."

Heck, I just got back from MLE and am itching to get outta dodge.
Still 1 more month of $180 OWBs there :D
Title: Re: My next app-o-rama...
Post by: AJK on June 27, 2012, 07:57:07 PM
Still 1 more month of $180 OWBs there :D

<sigh>

I'd go in a heartbeat, but wouldn't have a job when I got back.
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 10:33:03 AM
Time to revive this thread:

I never ended up applying, but I'm ready to do this, today!

3bm each for Chase, Amex and Citi. BofA VS card (50k), US Air, and maybe some others. Your thoughts/suggestions?

Cards I'm considering:

Chase:
SP WMC
UMPE
??? (what's the likelihood a 3BM including an Ink Plus will still be one pull?)

Amex:
SPG Consumer
50k Plat
50k MB Plat (TOFTT?)

Citi:
AA Visa +MC
New Hilton card??

BofA:
50/65k VS
$400 TravelRewards

Barclay's:
US Airways (I have an existing card, to do 2bm or not to do, hmmm)
Any other Barclay's cards you can recommend?

US Bank:

FlexPerks 30k - to do or not to do? ???
Title: Re: Re: Going to Crown Heights...
Post by: creditor on August 29, 2012, 11:04:22 AM
Yeah theres this weird kind of online fan group with many members in CH who always use the SPG Amex for all shopping. I wonder how it started...
I was actually thinking this thread is gonna/should be, revived.
[especially after the recent 2/3/4/5bm reports.]

bhatzlach!
p.s. I would say, pull the trigger on amex, the first then the other once. you probably want to be a bit cutious with them

EDIT: bad spelling, I know
Title: Re: My next app-o-rama...
Post by: Drago on August 29, 2012, 12:51:14 PM
Gee whiz. I just go 10 for 10, and now you have to one-up me... Talk about stealing my thunder  :)
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 02:21:09 PM
Gee whiz. I just go 10 for 10, and now you have to one-up me... Talk about stealing my thunder  :)

Nah, I don't think I'll have an easy time getting approved for all. I'm applying for some cards I already have and I've got too many cards with Chase.
Title: Re: My next app-o-rama...
Post by: Nitantnel on August 29, 2012, 02:28:08 PM
Time to revive this thread:

I never ended up applying, but I'm ready to do this, today!

3bm each for Chase, Amex and Citi. BofA VS card (50k), US Air, and maybe some others. Your thoughts/suggestions?

Cards I'm considering:

Chase:
SP WMC
UMPE
??? (what's the likelihood a 3BM including an Ink Plus will still be one pull?)

Amex:
SPG Consumer
50k Plat
50k MB Plat (TOFTT?)

Citi:
AA Visa +MC
New Hilton card??

BofA:
50/65k VS
$400 TravelRewards

Barclay's:
US Airways (I have an existing card, to do 2bm or not to do, hmmm)
Any other Barclay's cards you can recommend?

US Bank:

FlexPerks 30k - to do or not to do? ???

Why not go for the Chase SW, BoA Virgin and Hawaii, and Citi TY, (Visa and MC)?

Also, isn't Amex platinum dead?
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 02:34:48 PM
Why not go for the Chase SW, BoA Virgin and Hawaii, and Citi TY, (Visa and MC)?

Also, isn't Amex platinum dead?

Chase has better offers for me than SW.
I've got BofA VS on my list (see above), I already have an open HI (and AK) card, think I can apply again with an existing open card?
I prefer 100k AA over 100k TYP, disagree?

I got a 50k Plat, but I'm not allowed to discuss it on here ;) (please don't PM me asking)
Title: Re: My next app-o-rama...
Post by: Nitantnel on August 29, 2012, 02:39:07 PM
Chase has better offers for me than SW.
I've got BofA VS on my list (see above), I already have an open HI (and AK) card, think I can apply again with an existing open card?
I prefer 100k AA over 100k TYP, disagree?

I got a 50k Plat, but I'm not allowed to discuss it on here ;) (please don't PM me asking)
True, but TY is better than Hilton IMO. Why not try a 4BM with Citi?
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 02:46:30 PM
True, but TY is better than Hilton IMO. Why not try a 4BM with Citi?

I'm afraid one of the recon reps will notice 4 apps and I'll get slaughtered (i.e. lose out on all four approvals).
Title: Re: My next app-o-rama...
Post by: Drago on August 29, 2012, 03:26:08 PM
Why not go for the Chase SW, BoA Virgin and Hawaii, and Citi TY, (Visa and MC)?

Also, isn't Amex platinum dead?
The Plat thread has a 50k for 3k spend link.
The Biz Plat thread had a 50k link also.
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 03:27:01 PM
The Biz Plat thread had a 50k link also.

Not doing Biz apps with Amex, that triggered my F/R and caused me to get shut down in the first place.
Title: Re: My next app-o-rama...
Post by: good sam on August 29, 2012, 03:53:31 PM

Chase:
SP WMC
UMPE
??? (what's the likelihood a 3BM including an Ink Plus will still be one pull?)
I got 2 pulls in an IB/SP 2bm.
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 03:56:51 PM
I got 2 pulls in an IB/SP 2bm.

Then can anyone recommend a 3rd consumer card?

I currently have UA (old CO), SPV, Hyatt, Freedom V, and SW (I also have a few biz cards).
Title: Re: My next app-o-rama...
Post by: compddd on August 29, 2012, 04:27:11 PM
Will this also be a test to see if Amex will let you back in the game after ejecting you?
Title: Re: My next app-o-rama...
Post by: AsherO on August 29, 2012, 04:40:42 PM
Will this also be a test to see if Amex will let you back in the game after ejecting you?

Right, and my guess is it'll be easier if I only apply for consumer cards. If they ask for another 4506T they'll see income on my returns.

The only question is, if I get approved should I also try to reopen my original SPG account (had it since 04)...
Title: Re: Re: My next app-o-rama...
Post by: creditor on August 29, 2012, 04:49:50 PM


The only question is, if I get approved should I also try to reopen my original SPG account (had it since 04)...
is there sucha thing at all ?
Title: Re: My next app-o-rama...
Post by: Drago on August 29, 2012, 04:51:12 PM
Then can anyone recommend a 3rd consumer card?

I currently have UA (old CO), SPV, Hyatt, Freedom V, and SW (I also have a few biz cards).

Do the SP MC game. Or the 80k PC offer which also gives you a free night each year for a $49 annual fee after year 1. The Marriott 70k linky appears to have died.

Right, and my guess is it'll be easier if I only apply for consumer cards. If they ask for another 4506T they'll see income on my returns.

The only question is, if I get approved should I also try to reopen my original SPG account (had it since 04)...
Don't risk it
Title: Re: My next app-o-rama...
Post by: compddd on August 29, 2012, 04:56:24 PM
Do the SP MC game. Or the 80k PC offer which also gives you a free night each year for a $49 annual fee after year 1. The Marriott 70k linky appears to have died.
Don't risk it

80k PC offer? What is this?
Title: Re: My next app-o-rama...
Post by: Drago on August 29, 2012, 11:00:10 PM
80k PC offer? What is this?
Priority Club. Not the greatest offer since you can buy their points for .7 cents, but it gives you Plat status (worth very little) and the annual free night.
Check FT for the unlisted linky
Title: Re: My next app-o-rama...
Post by: CholentTheTraveler on August 29, 2012, 11:36:33 PM
The Plat thread has a 50k for 3k spend link.
The Biz Plat thread had a 50k link also.
Why not get the Plat (MB) and get 50k and spend $1k only?
Title: Re: My next app-o-rama...
Post by: Tzadik Nistar on August 30, 2012, 01:35:05 PM
Why not get the Plat (MB) and get 50k and spend $1k only?
you could open both and get 100k MR.
Title: Re: My next app-o-rama...
Post by: AsherO on September 08, 2012, 09:22:35 PM
Shavua tov IY"H!

Time to revive this thread:

So, after some issues with my credit freezes, I finally applied just before Shabbos as follows (in the following order as well):

Amex 3BM:
SPG - Pending
Amex Plat 50k - Pending
Amex MB 50k - Pending It's already been 24 hours, should I call? hmmm

What do these pending reasons even mean:
(http://i49.tinypic.com/16s2z5.png)
???

Chase 3BM:
Marriott (dumb of me to hit submit on this one first) - Instantly approved, but now is showing pending. I didn't input Marriott info, so if I'm lucky it's approved and Chase is just checking with them.
SP WMC - Pending
UMPE - Pending

Citi 3BM:
AA 50k Visa - Instantly approved $13k CL
AA 50k Amex - Instantly approved $13k CL
Hilton Reserve - Pending (even though I put in my Hilton #), might have triggered 2 card per 30 day limit

Barclays 2BM:
40k US Airways - Instantly approved - $7,500
40k US airways - Flagged as dupe, processed anyway Was afraid of a second pull, but apparently none BH I also have an existing 40k US card from a year ago, should I close it before trying for recon? If yes, should I consolidate the CL? Thoughts please?

Pull info as follows (from Citi IM report pulled 5 minutes after last app):
Amex EX
Barclays EX
CBNA EX EQ
Chase EX
No duplicate pulls BH.

All my reports were temporarily unfrozen, and apparently TU went untouched. Anyone think I should go for a BofA 2-3BM? They don't seem to have any hot cards.
Title: Re: My next app-o-rama...
Post by: dans fan on September 08, 2012, 10:02:18 PM


Chase 3BM:
Marriott (dumb of me to hit submit on this one first) - Instantly approved, but now is showing pending. I didn't input Marriott info, so if I'm lucky it's approved and Chase is just checking with them.

what does that mean
Title: Re: My next app-o-rama...
Post by: Lou Bob on September 08, 2012, 10:03:46 PM
Shavua tov IY"H!

So, after some issues with my credit freezes, I finally applied just before Shabbos as follows (in the following order as well):

Amex 3BM:
SPG - Pending
Amex Plat 50k - Pending
Amex MB 50k - Pending It's already been 24 hours, should I call? hmmm

What do these pending reasons even mean:
(http://i49.tinypic.com/16s2z5.png)
???

Chase 3BM:
Marriott (dumb of me to hit submit on this one first) - Instantly approved, but now is showing pending. I didn't input Marriott info, so if I'm lucky it's approved and Chase is just checking with them.
SP WMC - Pending
UMPE - Pending

Citi 3BM:
AA 50k Visa - Instantly approved $13k CL
AA 50k Amex - Instantly approved $13k CL
Hilton Reserve - Pending (even though I put in my Hilton #), might have triggered 2 card per 30 day limit

Barclays 2BM:
40k US Airways - Instantly approved - $7,500
40k US airways - Flagged as dupe, processed anyway Was afraid of a second pull, but apparently none BH I also have an existing 40k US card from a year ago, should I close it before trying for recon? If yes, should I consolidate the CL? Thoughts please?

Pull info as follows (from Citi IM report pulled 5 minutes after last app):
Amex EX
Barclays EX
CBNA EX EQ
Chase EX
No duplicate pulls BH.

All my reports were temporarily unfrozen, and apparently TU went untouched. Anyone think I should go for a BofA 2-3BM? They don't seem to have any hot cards.
doesn't barclay pull tu?
Title: Re: My next app-o-rama...
Post by: AsherO on September 08, 2012, 10:04:49 PM
what does that mean

The screen said I was approved and would receive my card in the mail, calling app status tells me I have three apps, all pending (2 weeks for all three if I heard correctly)

doesn't barclay pull tu?

Apparently not in my case, eh?
Title: Re: My next app-o-rama...
Post by: Lou Bob on September 08, 2012, 10:08:02 PM
The screen said I was approved and would receive my card in the mail, calling app status tells me I have three apps, all pending (2 weeks for all three if I heard correctly)

Apparently not in my case, eh?
I was thinking of doing a chase 3bm and barclays 2bm cuz I thought they pull diff reports...should I still go for both or take caution and just do chase? (Ny)
Title: Re: My next app-o-rama...
Post by: AsherO on September 08, 2012, 10:18:19 PM
I was thinking of doing a chase 3bm and barclays 2bm cuz I thought they pull diff reports...should I still go for both or take caution and just do chase? (Ny)

It's really a question of whether you want to risk the pull, if you're willing to risk it, and it might (or might not) be on EX, then go for it. Every 2/3 BM risks multiple pulls anyway (YMMV), so if you 100% cannot afford more pulls on your EX then you might not want to do a 3BM in the first place.

Your other option is to do a Barclays 2BM, pull your EX report immediately (e.g. Citi Identity Monitor) to see if they pulled EX, then decide if you want to freeze your Es (EX//EQ) and let Chase pull TU. Just beware, freezing + 3BMs could cause 3 pulls on your TU (or just 1, YMMV), so decide what works best for you.
Title: Re: My next app-o-rama...
Post by: dans fan on September 08, 2012, 10:27:31 PM
The screen said I was approved and would receive my card in the mail, calling app status tells me I have three apps, all pending (2 weeks for all three if I heard correctly)

i never had that happen to me. but i know that the app status is not always accurate i have been approved and declined and the app status said pending. you got to talk to rep they have more accurate info
Title: Re: My next app-o-rama...
Post by: Lou Bob on September 08, 2012, 10:29:37 PM
It's really a question of whether you want to risk the pull, if you're willing to risk it, and it might (or might not) be on EX, then go for it. Every 2/3 BM risks multiple pulls anyway (YMMV), so if you 100% cannot afford more pulls on your EX then you might not want to do a 3BM in the first place.

Your other option is to do a Barclays 2BM, pull your EX report immediately (e.g. Citi Identity Monitor) to see if they pulled EX, then decide if you want to freeze your Es (EX//EQ) and let Chase pull TU. Just beware, freezing + 3BMs could cause 3 pulls on your TU (or just 1, YMMV), so decide what works best for you.
thanks
Title: Re: My next app-o-rama...
Post by: AsherO on September 08, 2012, 10:30:36 PM
i never had that happen to me. but i know that the app status is not always accurate i have been approved and declined and the app status said pending. you got to talk to rep they have more accurate info

Hmmm, to wait, or not to wait? I'm going to give it a little bit more time...
Title: Re: My next app-o-rama...
Post by: joey89 on September 09, 2012, 02:48:04 AM
@ AsherO, when was the last time you applied for the AA cards before this AOR
Title: Re: My next app-o-rama...
Post by: AsherO on September 09, 2012, 02:51:40 AM
@ AsherO, when was the last time you applied for the AA cards before this AOR

I'm not sure, but probably some 12 months or so...
Title: Re: My next app-o-rama...
Post by: joey89 on September 09, 2012, 03:25:31 AM
I'm not sure, but probably some 12 months or so...
Thanks I'm at 10 months since last app for AA, u think that's to short?
Title: Re: My next app-o-rama...
Post by: AsherO on September 09, 2012, 03:26:35 AM
Thanks I'm at 10 months since last app for AA, u think that's to short?

YMMV. When did you last apply/3BM/AOR?
Title: Re: My next app-o-rama...
Post by: joey89 on September 09, 2012, 03:34:02 AM
YMMV. When did you last apply/3BM/AOR?
End of May. Aor Chase personal/Citi biz
Title: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 10:41:53 AM
So I did a 3BM with Amex and 3BM with Chase on 9/2 and Identity Monitor only showed 1 pull from each. Then this morning I get an email from Identity Monitor saying that Amex pulled again on 9/8... Any ideas why? All 3 Amex cards were already approved before 9/8.

As a side question. Chase is giving me trouble opening a SP WMC while having my SP Visa open. Any tips on getting them to allow both?
Title: Re: My next app-o-rama...
Post by: dans fan on September 09, 2012, 10:43:27 AM
I'm not sure, but probably some 12 months or so...
is your old account still active or closed?
Title: Re: My next app-o-rama...
Post by: AsherO on September 09, 2012, 10:53:36 AM
End of May. Aor Chase personal/Citi biz

Worth a shot, might want to add a Hilton Reserve or something, in case you get denied for AA due to the fact that it isn't your first time.

So I did a 3BM with Amex and 3BM with Chase on 9/2 and Identity Monitor only showed 1 pull from each. Then this morning I get an email from Identity Monitor saying that Amex pulled again on 9/8... Any ideas why? All 3 Amex cards were already approved before 9/8.

As a side question. Chase is giving me trouble opening a SP WMC while having my SP Visa open. Any tips on getting them to allow both?

No idea on the extra Amex pull. With Chase, give 'em a reason why you need both, e.g. MasterCard for the CDW rental coverage and Visa because they don't accept MC in too many stores in Turkey (make it up, the reps are clueless...) where you'll be travelling to next month.

is your old account still active or closed?

Open. For Citi/AA that's a non-factor.
Title: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 10:58:20 AM
No idea on the extra Amex pull. With Chase, give 'em a reason why you need both, e.g. MasterCard for the CDW rental coverage and Visa because they don't accept MC in too many stores in Turkey (make it up, the reps are clueless...) where you'll be travelling to next month.
Yea, I tried that. First rep said nope and offered to swap my cards (which I don't want to do). Second rep said the first guy already said we can't and then said why don't I just use my United Mastercard and then offered to swap my SP Visa for the MC as well... I guess I can keep calling, but they keep reading the notes...
Title: Re: My next app-o-rama...
Post by: AsherO on September 09, 2012, 11:04:52 AM
Yea, I tried that. First rep said nope and offered to swap my cards (which I don't want to do). Second rep said the first guy already said we can't and then said why don't I just use my United Mastercard and then offered to swap my SP Visa for the MC as well... I guess I can keep calling, but they keep reading the notes...

By swap you mean convert the SPV to SPWMC, or approve the new app but close your SPV?
Title: Re: My next app-o-rama...
Post by: compddd on September 09, 2012, 11:15:37 AM
Is the SP Visa that important to you to keep open to give up on the 40k from the WMC?
Title: Re: My next app-o-rama...
Post by: AJK on September 09, 2012, 11:17:45 AM
@ AsherO, when was the last time you applied for the AA cards before this AOR

+1

I'm not sure, but probably some 12 months or so...

Come on, can't be a bit more specific? :)

Between you and another DDF'er (who I think was approved at 14 months (http://forums.dansdeals.com/index.php?topic=16706.msg296942#msg296942)) we may be seeing you don't need to wait 18 mos.
Title: Re: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 11:25:58 AM
By swap you mean convert the SPV to SPWMC, or approve the new app but close your SPV?
Close to approve the new one.


Is the SP Visa that important to you to keep open to give up on the 40k from the WMC?
Yes, its been my primary card for over a year now so it would be quite some work to change all my auto pays. I'd also have to transfer out 150k+ UR points and miss out on this years dividend.

I had almost convinced the second rep to split my SPV CL in two and open the SPWMC but then she saw my recently opened Hyatt and Freedom card and got scared (her word)... She said there is too much recent activity and she is not comfortable doing anything but she would swap the SPs because the first rep noted that. :-\
Title: Re: My next app-o-rama...
Post by: AsherO on September 09, 2012, 11:33:15 AM
I had almost convinced the second rep to split my SPV CL in two and open the SPWMC but then she saw my recently opened Hyatt and Freedom card and got scared (her word)... She said there is too much recent activity and she is not comfortable doing anything but she would swap the SPs because the first rep noted that. :-\

You make valid arguments against. With a scared rep, it's best to ask other questions and get those notated, with the hope the rep forgets to norate their fears about the initial inquiry. Have any other Chase cards you're willing to close?
Title: Re: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 11:39:52 AM
You make valid arguments against. With a scared rep, it's best to ask other questions and get those notated, with the hope the rep forgets to norate their fears about the initial inquiry. Have any other Chase cards you're willing to close?
I've got a United MC but that's only got a 1k CL. I've got a Hyatt card that hasn't even arrived yet but that's got a 15k CL that I would happily split. But the United MC is the only one I'd close.

Maybe I should transfer 4k from Hyatt to United MC and then call and ask them if they can close the United MC and approve the SPWMC? They might just give me the same line about only one SP.

How many times can I realistically call about the same application? (I've never had to call more then once before)
Title: Re: My next app-o-rama...
Post by: meshugener on September 09, 2012, 12:07:36 PM
You can call up to 175 times (per app).
Title: Re: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 12:11:05 PM
You can call up to 175 times (per app).
:) I'll make sure to post what they say the 176th time.
Title: Re: My next app-o-rama...
Post by: compddd on September 09, 2012, 12:17:14 PM
How did you get a UMEP MC?
Title: Re: My next app-o-rama...
Post by: A European on September 09, 2012, 12:23:36 PM
How did you get a UMEP MC?
Continental was a mc
Title: Re: Re: My next app-o-rama...
Post by: BAHayman on September 09, 2012, 12:23:38 PM
How did you get a UMEP MC?
It converted itself from CO.

Edit: meh tapatalk doesn't notify you of posts made while your typing.
Title: Re: Re: My next app-o-rama...
Post by: A European on September 09, 2012, 12:27:06 PM
It converted itself from CO.

Edit: meh tapatalk doesn't notify you of posts made while your typing.
2 sec to fast.
Sorry   ; -)
Title: Re: My next app-o-rama...
Post by: daganster on September 09, 2012, 01:23:19 PM
Ashero any updates on your approvals?
Title: Re: My next app-o-rama...
Post by: Lou Bob on September 09, 2012, 03:52:19 PM
It's really a question of whether you want to risk the pull, if you're willing to risk it, and it might (or might not) be on EX, then go for it. Every 2/3 BM risks multiple pulls anyway (YMMV), so if you 100% cannot afford more pulls on your EX then you might not want to do a 3BM in the first place.

Your other option is to do a Barclays 2BM, pull your EX report immediately (e.g. Citi Identity Monitor) to see if they pulled EX, then decide if you want to freeze your Es (EX//EQ) and let Chase pull TU. Just beware, freezing + 3BMs could cause 3 pulls on your TU (or just 1, YMMV), so decide what works best for you.
applied for chase freedom-pending
sp mc-pending
ua mpe-instant approval
now i gotta look up how many pulls...
is it a good sign(for the other cards) that i hit submit last on ua card, and thats the one that got instant approval?
Title: Re: My next app-o-rama...
Post by: Lou Bob on September 10, 2012, 03:17:55 PM
applied for chase freedom-pending
sp mc-pending
ua mpe-instant approval
now i gotta look up how many pulls...
is it a good sign(for the other cards) that i hit submit last on ua card, and thats the one that got instant approval?
called recon... so freedom got denied (too many recent apps, I assume this 3bm cuz last app was in jan)I transferred $500 from ua card to open freedom.
Sp denied cuz based on income, I have too much credit between all my cards(citi/chase) nd they won't let me transfer from ua cuz ua needs 5k minimum limit and sp needs 5k minimum limit. Is that true? Should I still fight for the sp? (they do have a valid reason)
Title: Re: My next app-o-rama...
Post by: AsherO on September 10, 2012, 06:48:29 PM
My Amex still says the same thing:
(http://i49.tinypic.com/16s2z5.png)

Should I call about the status of the 24 hour app? No calls for 4506T yet, hmmm

Chase has 7-10 day message for two apps, and 2 week message for one of them (I suspect that's the marriott).

Citi sent me only one approval email.

Barclay's didn't send me anything yet, but showed one confirmation. Anyone know of an automated way to check Barclay's approval status?
Title: Re: My next app-o-rama...
Post by: HelpMe on September 10, 2012, 06:57:55 PM
Barclay's didn't send me anything yet, but showed one confirmation. Anyone know of an automated way to check Barclay's approval status?
This is from an old post: https://www.barclaycardus.com/app/japply/checkstatus.do?default_partner=003
JUNIPER: https://www.juniper.com/app/japply/checkstatus.do
Title: Re: My next app-o-rama...
Post by: joey89 on September 10, 2012, 07:47:08 PM
@AsherO at this point I would probably give them a call (not that i necessarily think that that's the smart thing to do, I just hate waiting)
Title: Re: My next app-o-rama...
Post by: AJK on September 10, 2012, 07:49:13 PM
@AsherO -- had the same thing on my apps.

I did call a couple times, but I don't think it helped expedite. At the end, all were approved within 24 hours of each other a few days after application.
Title: Re: My next app-o-rama...
Post by: AsherO on September 11, 2012, 02:27:51 AM
This is from an old post: https://www.barclaycardus.com/app/japply/checkstatus.do?default_partner=003
JUNIPER: https://www.juniper.com/app/japply/checkstatus.do

Thanks. One rejection unfortunately.

I did call a couple times, but I don't think it helped expedite. At the end, all were approved within 24 hours of each other a few days after application.

Thanks, I'll wait it out then...

Grrr, I just checked, two of the Amex cards are cancelled, the third still with the "check back in 24 hours" message  :'( :'( :'(
Title: Re: My next app-o-rama...
Post by: compddd on September 11, 2012, 09:50:15 AM
Looks like Amex doesn't forgive easily :(
Title: Re: My next app-o-rama...
Post by: AJK on September 11, 2012, 10:58:20 AM
Perhaps try to recon cancelled ones (if even possible)?
Title: Re: My next app-o-rama...
Post by: HelpMe on September 11, 2012, 10:59:27 AM
Perhaps try to recon cancelled ones (if even possible)?
Will that be another pull or two?
Title: Re: My next app-o-rama...
Post by: AsherO on September 11, 2012, 11:08:17 AM
Perhaps try to recon cancelled ones (if even possible)?

Will do of course. Looks like the "duplicate apps" issue that's been reported lately.

Will that be another pull or two?

My EX is frozen, if they tell me they have to pull again I'll pass, as I now have 4 recent pulls.
Title: Re: My next app-o-rama...
Post by: AJK on September 11, 2012, 12:31:47 PM
Will that be another pull or two?

If done on the same day? At least with Citi it has been one pull for two (or more?) apps, IME.
Title: Re: My next app-o-rama...
Post by: AsherO on September 11, 2012, 02:15:50 PM
If done on the same day? At least with Citi it has been one pull for two (or more?) apps, IME.

See above, I had EX and EQ pulls from Citi. 2/3bms are the stereotypical YMMV, meaning if you absolutely can't handle more than 1 pull, then you have no business submitting more than one app.

Now I have three cancelled Amex apps, hmmm, wait for a letter or call?

I opted to be able to view decision digitally, and agreed to the digital T&C, but it asks me to verify my DoB, then it times out :( Will I still be getting a letter via snail mail?
Title: Re: My next app-o-rama...
Post by: ye on September 11, 2012, 02:46:08 PM
See above, I had EX and EQ pulls from Citi. 2/3bms are the stereotypical YMMV, meaning if you absolutely can't handle more than 1 pull, then you have no business submitting more than one app.

Now I have three cancelled Amex apps, hmmm, wait for a letter or call?

I opted to be able to view decision digitally, and agreed to the digital T&C, but it asks me to verify my DoB, then it times out :( Will I still be getting a letter via snail mail?
I had the same thing a few weeks ago after a FR, ended up getting letters for all apps requesting 4506T and letter directly from a bank verifying address.
Title: Re: My next app-o-rama...
Post by: AsherO on September 11, 2012, 03:15:30 PM
I had the same thing a few weeks ago after a FR, ended up getting letters for all apps requesting 4506T and letter directly from a bank verifying address.

I wish. three Amex approvals and I'll be in heaven :) Especially if I see some success with Citi IY"H, and I don't mean the Marriott card ::)
Title: Re: My next app-o-rama...
Post by: meshugener on September 11, 2012, 03:59:59 PM
I had the same problem when they asked to verify DOB then it times out.
I thought its a problem with my computer, now I know.
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 02:34:09 AM
Update:
One of my Chase cards was approved with $16,300 CL, I really hope it wasn't the Marriott card ::)

The other two applications still have the 7-10 days message...
Title: Re: My next app-o-rama...
Post by: joey89 on September 12, 2012, 02:40:57 AM
Update:
One of my Chase cards was approved with $16,300 CL, I really hope it wasn't the Marriott card ::)

The other two applications still have the 7-10 days message...
even if it was, that's enough of a CL to split into three
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 02:42:46 AM
even if it was, that's enough of a CL to split into three

Agreed, but with so many existing cards, they might not like that idea. Hopefully I can at least convince them to swap out Marriott for UMPE or SPWMC, now, now, which one (of those two) do I prefer?
Title: Re: My next app-o-rama...
Post by: joey89 on September 12, 2012, 02:52:06 AM
Agreed, but with so many existing cards, they might not like that idea. Hopefully I can at least convince them to swap out Marriott for UMPE or SPWMC, now, now, which one (of those two) do I prefer?
close a couple other cards and combine CL. or swap one of ur current cards that u "no longer need".
I personally would go UMPE 55K points over SPWMC 40k points (and no spend requirement on UMPE)
Title: Re: My next app-o-rama...
Post by: A European on September 12, 2012, 03:25:38 AM
close a couple other cards and combine CL. or swap one of ur current cards that u "no longer need".
I personally would go UMPE 55K points over SPWMC 40k points (and no spend requirement on UMPE)
+1
thats what i did in my last 3BM a month ago they gave me a option to choose bet the SPMC and the UMPE .
@AsherO
whats AOR? LOL
Title: Re: My next app-o-rama...
Post by: AJK on September 12, 2012, 08:53:48 AM
close a couple other cards and combine CL. or swap one of ur current cards that u "no longer need".
I personally would go UMPE 55K points over SPWMC 40k points (and no spend requirement on UMPE)

You misunderstand. He's asking whether he should "horse trade" a pending Marriott card for either his UMPE or SPWMC (both of which he currently has).

I'd definitely keep the SP over the UMPE (especially if you have the freedom).
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 11:28:04 AM
You misunderstand. He's asking whether he should "horse trade" a pending Marriott card for either his UMPE or SPWMC (both of which he currently has).

I'd definitely keep the SP over the UMPE (especially if you have the freedom).

I have a Freedom, an IB, an SP, other Ink, SW, Hyatt and UA cards. Not sure why you're calling the Marriott pending when it's specifically the one I suspect they approved.
Title: Re: My next app-o-rama...
Post by: myb821 on September 12, 2012, 11:32:18 AM
I did a mini AOR for my wife
I first applied for aa amex and visa
was instanly denied for due to first time card holder stuff i figured id try to apply for two more cards to try and get something from the pull.
I applied for hilton reserve and ty premier 50k both were pending called this morning and the didnt pull credit for citi ty due to to many apps but got hilton reserve approved.

chase applied for UMPE, SP mastercard, and hyatt
two are approved one is pending not sure which ones though
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 11:38:12 AM
chase applied for UMPE, SP mastercard, and hyatt
two are approved one is pending not sure which ones though

Annoying, right? Hopefully you'll get approved on all 3 :)
Title: Re: My next app-o-rama...
Post by: myb821 on September 12, 2012, 11:41:27 AM
Annoying, right? Hopefully you'll get approved on all 3 :)
yea im tempted to call but dont really want human interaction due to previous A/A
Title: Re: My next app-o-rama...
Post by: AJK on September 12, 2012, 12:08:38 PM
I have a Freedom, an IB, an SP, other Ink, SW, Hyatt and UA cards. Not sure why you're calling the Marriott pending when it's specifically the one I suspect they approved.

Weren't you the one who said it says currently pending?

EDIT:

Marriott (dumb of me to hit submit on this one first) - Instantly approved, but now is showing pending. I didn't input Marriott info, so if I'm lucky it's approved and



yea im tempted to call but dont really want human interaction due to previous A/A

On your wife? :(
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:12:33 PM
Weren't you the one who said it says currently pending?

Yes, but since it was initially approved, I suspect that the one that was approved at $16.3k CL is that one.
Title: Re: My next app-o-rama...
Post by: AJK on September 12, 2012, 12:13:58 PM
Don't get caught up in the details, the important part is the last line suggesting keeping the SP > UMPE :)
Title: Re: My next app-o-rama...
Post by: myb821 on September 12, 2012, 12:14:16 PM
I did a mini AOR for my wife
I first applied for aa amex and visa
was instanly denied for due to first time card holder stuff i figured id try to apply for two more cards to try and get something from the pull.
I applied for hilton reserve and ty premier 50k both were pending called this morning and the didnt pull credit for citi ty due to to many apps but got hilton reserve approved.

chase applied for UMPE, SP mastercard, and hyatt
two are approved one is pending not sure which ones though
just checked my credit and citi pulled EXPERIAN yesterday and today so i figured i would take a risk and ask them to pull credit today and hope they would be combined and got the citi typ card approved as well
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:18:06 PM
Don't get caught up in the details, the important part is the last line suggesting keeping the SP > UMPE :)

If I already have SP (V), is 40k UR really worth more than 55k UA?
Title: Re: My next app-o-rama...
Post by: AJK on September 12, 2012, 12:20:43 PM
Oops, looks like I owe an apology to joey89...

I misinterpreted!

In that case, go with UMPE.
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:22:47 PM
Just to throw a monkey wrench into the equation:

I hve an existing card, was originally a CO OPP, but now it shows a UA logo. Will that inhibit me from getting approved for UMPE? Anything I can do about that at this point?
Title: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 12:33:45 PM
Just to throw a monkey wrench into the equation:

I hve an existing card, was originally a CO OPP, but now it shows a UA logo. Will that inhibit me from getting approved for UMPE? Anything I can do about that at this point?

You can always argue you want a Visa and not a Mastercard like the old CO card is.
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:40:24 PM
You can always argue you want a Visa and not a Mastercard like the old CO card is.

I haven't used that account in forever, any way to see online if it's currently a Visa or a MasterCard.
Title: Re: My next app-o-rama...
Post by: Dan on September 12, 2012, 12:42:32 PM
CO OPP was MC only.
Title: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 12:42:36 PM
I haven't used that account in forever, any way to see online if it's currently a Visa or a MasterCard.

Also by the account numbers. Visas start with the digit 4. Mastercard with 5.
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:53:01 PM
CO OPP was MC only.

It now shows United logo, granted the number hasn't changed (I don't think).

Also by the account numbers. Visas start with the digit 4. Mastercard with 5.

I can only see last-4 online, no?

ETA: It's a Visa, hmmph. Am I SOL with a UMPE app? Should I try closing this one now or is it too late?
Title: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 12:57:43 PM
It now shows United logo, granted the number hasn't changed (I don't think).

I can only see last-4 online, no?

ETA: It's a Visa, hmmph. Am I SOL with a UMPE app? Should I try closing this one now or is it too late?

Because you already applied? Hmm. Maybe transfer over the credit line and close it ASAP.
Title: Re: My next app-o-rama...
Post by: AsherO on September 12, 2012, 12:58:44 PM
Because you already applied? Hmm. Maybe transfer over the credit line and close it ASAP.

Anyone agree? Disagree?
Title: Re: My next app-o-rama...
Post by: meshugener on September 12, 2012, 01:08:10 PM
Agree.
Not sure it'll work, but its prob the best you could do.
Title: Re: My next app-o-rama...
Post by: joey89 on September 12, 2012, 02:34:29 PM
Oops, looks like I owe an apology to joey89...

I misinterpreted!

In that case, go with UMPE.
apology accepted.
Title: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 10:24:07 PM

Chase Hyatt-Approved
Chase Sapphire Preferred-Approved
Usairways - Approved

Citi Visa AA- Approved
Citi/AMex AA - Approved
Amex Hilton- Approved
Amex SPG-Approved
Title: Re: My next app-o-rama...
Post by: meshugener on September 12, 2012, 10:28:29 PM
Cool! Congrats!
Title: Re: My next app-o-rama...
Post by: CholentTheTraveler on September 12, 2012, 10:51:41 PM
Chase Hyatt-Approved
Chase Sapphire Preferred-Approved
Usairways - Approved

Citi Visa AA- Approved
Citi/AMex AA - Approved
Amex Hilton- Approved
Amex SPG-Approved
Congrats! Before this when last did you apply for any cc?
Title: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 11:01:04 PM
Congrats! Before this when last did you apply for any cc?

Hey so this wasn't my SSN - another member of my family I apply for.
  Last applications were in the end of  June for 2 AMEX and in June for 2 Chase.
Title: Re: My next app-o-rama...
Post by: CholentTheTraveler on September 12, 2012, 11:10:44 PM
Hey so this wasn't my SSN - another member of my family I apply for.
  Last applications were in the end of  June for 2 AMEX and in June for 2 Chase.
You just gave me the courage to go and get 3 Chase cards for my wife! Here we go
Title: Re: Re: My next app-o-rama...
Post by: sky121 on September 12, 2012, 11:50:16 PM
You just gave me the courage to go and get 3 Chase cards for my wife! Here we go

G'luck!! Let us know how it goes.
Title: Re: My next app-o-rama...
Post by: FMM on September 13, 2012, 11:33:53 AM
Yes.  Ill post links in a minute.
Title: Re: My next app-o-rama...
Post by: FMM on September 13, 2012, 11:35:17 AM
https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=4XKIWDS1&m=9QAEZSCZZZW&langId=EN&siteId=CB&B=S&screenID=3001
Title: Re: My next app-o-rama...
Post by: FMM on September 13, 2012, 11:35:34 AM
https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=BXDDEDT1&m=9QAEZSCZZZW&langId=EN&siteId=CB&B=X&screenID=3033
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 13, 2012, 11:46:36 AM
Yes.  Ill post links in a minute.
???
Who are you replying to?
What are those links for?
Title: Re: My next app-o-rama...
Post by: A European on September 13, 2012, 01:45:58 PM
Chase Hyatt-Approved
Chase Sapphire Preferred-Approved
Usairways - Approved

Citi Visa AA- Approved
Citi/AMex AA - Approved
Amex Hilton- Approved
Amex SPG-Approved
Nice!
Title: Re: My next app-o-rama...
Post by: meshugener on September 13, 2012, 01:56:50 PM
Sounds like his mother once told him to speak only with very smart people, so he decided to speak to himself.
Title: Re: My next app-o-rama...
Post by: AsherO on September 13, 2012, 01:57:51 PM
Sounds like his mother once told him to speak only with very smart people, so he decided to speak to himself.

My Rosh Yeshiva would say something like that when he'd get caught muttering to himself:

"I like talking to intelligent people"

 :D
Title: Re: My next app-o-rama...
Post by: compddd on September 13, 2012, 03:56:49 PM
AsherO any word on your Amex apps brah?
Title: Re: Re: My next app-o-rama...
Post by: creditor on September 13, 2012, 04:33:00 PM


ETA: It's a Visa, hmmph. Am I SOL with a UMPE app? Should I try closing this one now or is it too late?
your old OPP was a visa ! hows that possible ?

p.s. reading your question, I assume you reapplied worn the same FF #. am I right ?
Title: Re: My next app-o-rama...
Post by: AsherO on September 13, 2012, 04:45:56 PM
AsherO any word on your Amex apps brah?

Didn't call yet.

your old OPP was a visa ! hows that possible ?

p.s. reading your question, I assume you reapplied worn the same FF #. am I right ?

It shows United logo and it's a card number starting with 4. Maybe I'm dreaming...

New FFN.

Got my recon letters today, UMPE says too many requests/cards with Chase. SPWMC says I should call to discuss best cards for my needs, sounds good, no?
Title: Re: Re: My next app-o-rama...
Post by: creditor on September 13, 2012, 05:07:20 PM
Didn't call yet.

It shows United logo and it's a card number starting with 4. Maybe I'm dreaming...

New FFN.

Got my recon letters today, UMPE says too many requests/cards with Chase. SPWMC says I should call to discuss best cards for my needs, sounds good, no?
sounds good.
but what I'm not getting is, what was your concern in the feust [first, according to jacie M.] place ? if you applied with a new FFN then you should be fine even if you would have had a UMPE visa ???
Title: Re: My next app-o-rama...
Post by: AsherO on September 13, 2012, 05:22:34 PM
sounds good.
but what I'm not getting is, what was your concern in the feust [first, according to jacie M.] place ? if you applied with a new FFN then you should be fine even if you would have had a UMPE visa ???

But if I have an existing one...
Title: Re: Re: My next app-o-rama...
Post by: creditor on September 13, 2012, 05:39:32 PM
But if I have an existing one...
I was actually talking about having an existing one. still with a new FFN you should have no prob at all.
talking fromy recent experience +a handful of friends +discussions on ddf
Title: My next app-o-rama...
Post by: FMM on September 21, 2012, 03:38:01 PM
I Just froze experian and im looking to send 3 chase applications at once.  I already have a freedom and visa sapphire preferred.  Any suggestions?  Looking for lots of points ;)
Title: Re: My next app-o-rama...
Post by: A European on September 21, 2012, 04:24:11 PM
UMPE (Mach it to 55.000 + 50$ )
SPM (close your visa to get approved )
SW
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 22, 2012, 07:55:28 PM
Anyone have a 50,000 mile sign-up offer link for SW? And if not, do you think they'll match the 25,000 offer to 50,000 with SM?
Title: My next app-o-rama...
Post by: FMM on September 22, 2012, 08:51:45 PM
UMPE (Mach it to 55.000 + 50$ )
SPM (close your visa to get approved )
SW
I'm really just looking for UR points as I don't fly much and I'm really just looking for a good return on the points...
Title: Re: Re: My next app-o-rama...
Post by: sky121 on September 22, 2012, 08:56:18 PM
I'm really just looking for UR points as I don't fly much and I'm really just looking for a good return on the points...

UR points are worth quite a bit.
Title: My next app-o-rama...
Post by: FMM on September 22, 2012, 08:58:07 PM
UR points are worth quite a bit.

Exactly.  What am I going to do with 50k UA and SW miles lol
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 22, 2012, 09:03:02 PM
Exactly.  What am I going to do with 50k UA and SW miles lol

You can sell them.  The idea here is that since you will be applying for a UR earning cc, you may as well apply for some additional cc's at the same time since it won't cost you an additional pull.

The UA MPE and SW don't require any spend,  so its some easy quick cash.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 22, 2012, 09:05:54 PM
You guys keep posting as if there is a 50,000 SW offer out there. Can someone supply the link? (All i find are 25,000 offers...)
Title: Re: My next app-o-rama...
Post by: meshugener on September 22, 2012, 09:19:30 PM
"-You can try sending a secure
message to Chase after getting the
card to ask for 50K miles."
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 22, 2012, 09:29:24 PM
"-You can try sending a secure
message to Chase after getting the
card to ask for 50K miles."

Yeh, but they just pulled all the 50,000 offers, replacing them with 25,000. What are the odds of being matched?
Title: My next app-o-rama...
Post by: FMM on September 23, 2012, 02:07:19 AM
You can sell them.  The idea here is that since you will be applying for a UR earning cc, you may as well apply for some additional cc's at the same time since it won't cost you an additional pull.

The UA MPE and SW don't require any spend,  so its some easy quick cash.

Ok, I was hoping there was a way to get some other UR earning credit card at the same time... The spend minimums are no problem... I can handle the 10k spends np so I was thinking maybe the ink or two sapphires if I was able to do it by getting a visa and MasterCard...
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 23, 2012, 02:29:01 AM
Ok, I was hoping there was a way to get some other UR earning credit card at the same time... The spend minimums are no problem... I can handle the 10k spends np so I was thinking maybe the ink or two sapphires if I was able to do it by getting a visa and MasterCard...
Since the IB is a business card, in will usually cause a 2nd pull on your CR. (Since the inquiry shows up differently then the personal ccs' inquiry, the CB wont combine them).

As far as getting approved for 2 SP's at the same time - from what i've read here, its very unlikely to happen.
Title: Re: My next app-o-rama...
Post by: daganster on September 23, 2012, 09:47:12 AM
You guys keep posting as if there is a 50,000 SW offer out there. Can someone supply the link? (All i find are 25,000 offers...)
This is Dan's link:

-Southwest, 25K points for spending $1.  Good for $475 of Southwest flights.  3,000 bonus points annually ($57 of airfare). 1 point per dollar on purchases, which is equal to a rebate of 1.9%. 2 points per dollar on Southwest purchases, including hotel and car rentals via Southwest, which is equal to a rebate of 3.8%. Free companion pass if you earn 110,000 points in a year from any source.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.


If you don't think you'll get matched you could use this direct link:

http://www.mychasecreditcards.com/T600-009/default.aspx?LP=6000247&CELL=6ZZR&vanity=southwest/2ffpartnersplus
Title: My next app-o-rama...
Post by: FMM on September 23, 2012, 10:51:39 AM
Since the IB is a business card, in will usually cause a 2nd pull on your CR. (Since the inquiry shows up differently then the personal ccs' inquiry, the CB wont combine them).

As far as getting approved for 2 SP's at the same time - from what i've read here, its very unlikely to happen.
But if I already have a visa open, can I apply for a MasterCard as well?
Title: Re: My next app-o-rama...
Post by: A European on September 23, 2012, 11:09:44 AM
But if I already have a visa open, can I apply for a MasterCard as well?

apply for the MC and approve it by closing dawn your visa!
Title: Re: My next app-o-rama...
Post by: Dan on September 23, 2012, 12:31:10 PM
You guys keep posting as if there is a 50,000 SW offer out there. Can someone supply the link? (All i find are 25,000 offers...)
Should be a new SW offer launching in the next 5 weeks.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 12:35:04 PM
This is Dan's link:

-Southwest, 25K points for spending $1.  Good for $475 of Southwest flights.  3,000 bonus points annually ($57 of airfare). 1 point per dollar on purchases, which is equal to a rebate of 1.9%. 2 points per dollar on Southwest purchases, including hotel and car rentals via Southwest, which is equal to a rebate of 3.8%. Free companion pass if you earn 110,000 points in a year from any source.
-You can try sending a secure message to Chase after getting the card to ask for 50K miles.


If you don't think you'll get matched you could use this direct link:

http://www.mychasecreditcards.com/T600-009/default.aspx?LP=6000247&CELL=6ZZR&vanity=southwest/2ffpartnersplus

Thank you so much!!! But do you maybe happen to also have the Southwest Rapid Rewards Plus (not Premier) link? It has a lower annual fee. Also yes, i intend to use Dan's link, but i first want a direct link in order to match it up with SM.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 12:37:10 PM
Should be a new SW offer launching in the next 5 weeks.

Can you divulge any more info (bonus miles, annual fee, spending threshold, etc.)?
Title: Re: My next app-o-rama...
Post by: JEWDA on September 23, 2012, 12:39:17 PM



If you don't think you'll get matched you could use this direct link:

http://www.mychasecreditcards.com/T600-009/default.aspx?LP=6000247&CELL=6ZZR&vanity=southwest/2ffpartnersplus
When you click on Apply it says Offer Unavailable
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 12:40:14 PM
Thank you so much!!! But do you maybe happen to also have the Southwest Rapid Rewards Plus (not Premier) link? It has a lower annual fee. Also yes, i intend to use Dan's link, but i first want a direct link in order to match it up with SM.

Ok, i found the Plus link, but when i hit apply now, is says "Offer Unavailable"...
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 12:41:28 PM
When you click on Apply it says Offer Unavailable

Jinks! :)
Title: Re: My next app-o-rama...
Post by: Dan on September 23, 2012, 12:49:35 PM
Can you divulge any more info (bonus miles, annual fee, spending threshold, etc.)?
I don't have that info yet, sorry.
Title: Re: My next app-o-rama...
Post by: daganster on September 23, 2012, 12:57:57 PM
Thank you so much!!! But do you maybe happen to also have the Southwest Rapid Rewards Plus (not Premier) link? It has a lower annual fee. Also yes, i intend to use Dan's link, but i first want a direct link in order to match it up with SM.
If I happen to come across one I'll post it.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 01:03:37 PM
I don't have that info yet, sorry.

OK, thanks anyway. But just wondering (and i know i probably wont get an answer), how the heck do you get this info?

Also, a general question (for all to chime in), there are four different SW cards out there. Has anyone had any problems getting the sign-up bonus for one of them because he already got the bonus for another? Also, has anyone successfully churned the same SW card?
Title: Re: My next app-o-rama...
Post by: Dan on September 23, 2012, 01:04:36 PM
Also, has anyone successfully churned the same SW card?
Yes
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 01:06:03 PM
Yes

Different FF number?
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 01:06:47 PM
If I happen to come across one I'll post it.

Thanks, but i already found it. Problem is, none of those links work when you try applying.
Title: Re: My next app-o-rama...
Post by: Dan on September 23, 2012, 01:38:12 PM
Different FF number?
Of course.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 02:19:10 PM
Of course.

So it works just like United?
Title: Re: My next app-o-rama...
Post by: JEWDA on September 23, 2012, 02:23:38 PM
So it works just like United?
No, it works just like SW.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 02:27:54 PM
No, it works just like SW.

 :)

My point was, do you have to call and the like to get the points or is it automatic, like united, through using a new FF number.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 06:05:20 PM
I just did a Chase 2BM for a United and SW Plus. I called up and was instantly approved for the United (i used a new FF number).

My question is: I already had the SW Premier card and got the bonus. For my current SW Plus application i left the FF number empty. Is there any chance of me not getting the bonus (which i plan to have matched to 50,000)? The reason i ask is because i can still call them now and modify my application with a new WS FF number. So this question is somewhat timely. Can i please have some input.

Thanks in advance!
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 23, 2012, 07:10:59 PM
Please, i need an urgent answer.
Title: Re: My next app-o-rama...
Post by: U-no-me! on September 23, 2012, 08:34:13 PM
Please, i need an urgent answer.

Please, i need an urgent answer.

1. Relax
2. Take a drink of Ice cold water
3. If it will help you relax, try modifying
4. See specialist

WTHC
Title: My next app-o-rama...
Post by: FMM on September 24, 2012, 12:48:14 AM
1. Relax
2. Take a drink of Ice cold water
3. If it will help you relax, try modifying
4. See specialist

WTHC

+1
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 24, 2012, 01:47:48 AM
1. Relax
2. Take a drink of Ice cold water
3. If it will help you relax, try modifying
4. See specialist

WTHC

Umm... anyone has any ACTUAL advice?
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 24, 2012, 01:55:57 AM
Umm... anyone has any ACTUAL advice?
Yes, you should try to get a new ff # added on to your application. If you don't, they may search their data base for your ff# before opening you a new one - and when that happens it usually doesn't end well.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 24, 2012, 02:28:37 AM
Yes, you should try to get a new ff # added on to your application. If you don't, they may search their data base for your ff# before opening you a new one - and when that happens it usually doesn't end well.

Even if it wasn't the same card (i had the Premier, now applied for the Plus)?
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 24, 2012, 02:36:25 AM
Even if it wasn't the same card (i had the Premier, now applied for the Plus)?
I'm not sure. I don't have personal experience with these specific cards. If I had to guess, I would assume that since they are both linked to your SW ff#, they probably wont ooen a new one if they find an open one under your name.

If your asking if each card is its own product and entitled to a sign-up bonus of its own - I would assume they are considered separate products, but tgen again, that just a guess.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 24, 2012, 02:43:12 AM
I'm not sure. I don't have personal experience with these specific cards. If I had to guess, I would assume that since they are both linked to your SW ff#, they probably wont ooen a new one if they find an open one under your name.

If your asking if each card is its own product and entitled to a sign-up bonus of its own - I would assume they are considered separate products, but tgen again, that just a guess.

Thanks a bunch for your answer!

Does anyone have any past experience with this?
Title: Re: My next app-o-rama...
Post by: mringelheim on September 24, 2012, 08:35:51 AM
anyone able to provide best link for chase freedom? i heard there's 30k points offer
Title: Re: My next app-o-rama...
Post by: meshugener on September 24, 2012, 09:10:33 AM
There's only a 10k offer, but you can try match it to 30k.
Title: Re: My next app-o-rama...
Post by: Drago on September 24, 2012, 10:57:02 AM
Thanks a bunch for your answer!

Does anyone have any past experience with this?
This was asked on the SW card thread, and no has answered yet.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 24, 2012, 03:00:42 PM
1. Relax
2. Take a drink of Ice cold water
3. If it will help you relax, try modifying
4. See specialist

WTHC

+1

Called today and they said it's already too late to add a FF number but had i called yesterday, it would have still been possible. So thanks for the ridicule, but it turns out, i was right! The matter was extremely timely (yes, and urgent - if you consider the loss of $700-$800 somewhat important...)!

I hope next time you're in a tough spot and ask for help, you are treated in kind...
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 24, 2012, 03:02:41 PM
This was asked on the SW card thread, and no has answered yet.

Thanks!

I hope it works out for me...
Title: Re: My next app-o-rama...
Post by: AsherO on September 24, 2012, 06:41:03 PM
Time for an update (now that n00bs have cr@pped up my thread with irrelevant stuff ::)):

Amex 3BM:
SPG - Pending
Amex Plat 50k - Pending
Amex MB 50k - Pending

All three docs required a 4506T plus letter from bank (on their letterhead) verifying my address, faxed them off, and Amex confirmed receipt and are will supposedly get back to me within 7-10 business days. If the online app status screen doesn't change within a few days I will be calling back.

Chase 3BM:
Marriott (dumb of me to hit submit on this one first) - Instantly approved, $16,300 CL
UMPE - Approved via recon, $5k CL by closing a SW Biz card I don't use ;)
SP WMC - Approved via credit analyst, $5k CL by closing a PMCO card I don't use ;) I ironically the PMCO card replacement came in the mail today as the new Awards card. The downside was I had to absorb another credit pull, since the analyst said no pull was pulled for this app. Oh well, better be worth the $40k+ Now now, try matching to 40k after $2k, or to 50k? Hmmm

P.s. When I called for UMPE recon, Chase recon rep said I have 10 active cards, I think it's more like 7-9,  :-[ embarrassing that I'm not sure myself.

Citi 3BM:
AA 50k Visa - Instantly approved $13k CL
AA 50k Amex - Instantly approved $13k CL
Hilton Reserve - Denial finalized (as per Citi recon rep), will be writing a letter.

Barclays 2BM:
40k US Airways - Instantly approved - $7,500
40k US airways - Denied second US card, recon rep said they'd approve if it was a different card type, oh well.

BofA 2BM:
"65k" Virgin Atlantic - Approved without intervention - $10k CL
"65k" Virgin Atlantic - Approved without intervention - $10k CL

HT: Member who let me use their (targeted) RSVP code ;) (no PMs please)

Summary:

8/13 approved so far ka"h, hoping for at least 10/13 IYH :D
Title: Re: My next app-o-rama...
Post by: AJK on September 24, 2012, 07:09:56 PM
Very nice. Makes my 9/9 look cautious :)

I also shoulda 2BM'd VA instead of VA+HA.
Title: Re: My next app-o-rama...
Post by: AsherO on September 24, 2012, 07:12:37 PM
Very nice. Makes my 9/9 look cautious :)

I also shoulda 2BM'd VA instead of VA+HA.

Does a 10/13 trump a 9/9 because it's 10 > 9, or does it lose because it's 66% < 100%? Theoretical question, not trying to get into a p*ssing contest or anything :D

2BMs for the same exact card are super YMMV (YGGL?*), I've been rejected for that kinda stuff in the past.

*You Gotta Get Lucky ;)
Title: Re: My next app-o-rama...
Post by: AJK on September 24, 2012, 07:13:50 PM
Does a 10/13 trump a 9/9 because it's 10 > 9, or does it lose because it's 66% < 100%? Theoretical question, not trying to get into a p*ssing contest or anything :D

2BMs for the same exact card are super YMMV, I've been rejected for that kinda stuff in the past.

Was referring to the latter number more than the former relating to the latter :)

It def works for Citi, and it seems it works for BOA as well... but I get the point.
Title: Re: My next app-o-rama...
Post by: AsherO on September 24, 2012, 07:19:16 PM
Was referring to the latter number more than the former relating to the latter :)

It def works for Citi, and it seems it works for BOA as well... but I get the point.

It works for some Citi cards, I doubt it'd fly so easy for two of the exact same Citi/AA.
Title: Re: My next app-o-rama...
Post by: compddd on September 24, 2012, 09:12:43 PM
Time for an update (now that n00bs have cr@pped up my thread with irrelevant stuff ::)):

Amex 3BM:
SPG - Pending
Amex Plat 50k - Pending
Amex MB 50k - Pending

All three docs required a 4506T plus letter from bank (on their letterhead) verifying my address, faxed them off, and Amex confirmed receipt and are will supposedly get back to me within 7-10 business days. If the online app status screen doesn't change within a few days I will be calling back.

Chase 3BM:
Marriott (dumb of me to hit submit on this one first) - Instantly approved, $16,300 CL
UMPE - Approved via recon, $5k CL by closing a SW Biz card I don't use ;)
SP WMC - Approved via credit analyst, $5k CL by closing a PMCO card I don't use ;) I ironically the PMCO card replacement came in the mail today as the new Awards card. The downside was I had to absorb another credit pull, since the analyst said no pull was pulled for this app. Oh well, better be worth the $40k+ Now now, try matching to 40k after $2k, or to 50k? Hmmm

P.s. When I called for UMPE recon, Chase recon rep said I have 10 active cards, I think it's more like 7-9,  :-[ embarrassing that I'm not sure myself.

Citi 3BM:
AA 50k Visa - Instantly approved $13k CL
AA 50k Amex - Instantly approved $13k CL
Hilton Reserve - Denial finalized (as per Citi recon rep), will be writing a letter.

Barclays 2BM:
40k US Airways - Instantly approved - $7,500
40k US airways - Denied second US card, recon rep said they'd approve if it was a different card type, oh well.

BofA 2BM:
"65k" Virgin Atlantic - Approved without intervention - $10k CL
"65k" Virgin Atlantic - Approved without intervention - $10k CL

HT: Member who let me use their (targeted) RSVP code ;) (no PMs please)

Summary:

8/13 approved so far ka"h, hoping for at least 10/13 IYH :D

On the 65k Virgin did you just fill the same app out in 2 different browsers? I have a RSVP code I got in the mail.
Title: Re: My next app-o-rama...
Post by: AsherO on September 24, 2012, 10:44:48 PM
On the 65k Virgin did you just fill the same app out in 2 different browsers? I have a RSVP code I got in the mail.

Yes. It was someone else's RSVP, they applied a few days before me. I did a standard 2bm using the RSVP code in both browsers. Apparently it uses cookies because after the first time I entered the code it recognized the link in the same browser but not in a different one. I confirmed that I'm now eligible for the offer. When I tried the link today on a different computer, it said my application is under review and I'll be notified in 30 days (even though I have both cards in hand) ::)
Title: Re: My next app-o-rama...
Post by: Cbs on September 25, 2012, 01:36:05 AM
can someone please direct me to 50k amex MB?

and to 50k citi Visa and amex? i cant find them . Does the Amex pull like amex cards or like Citi cards (2 diff CB's for me)

@Ashero - how many pulls did you get for all those apps?
Title: Re: My next app-o-rama...
Post by: Hank on September 25, 2012, 09:28:49 AM
Good data points.  For US Airways I'm surprised they didn't let you get one premier world mastercard and one world mastercard, both at the higher bonus level (there have been some reports at FT of that happening).

Does anyone else have a 65k(50k) Virgin Atlantic code?  Would like to pick up a second card for my churn this Friday.
Title: Re: My next app-o-rama...
Post by: JEWDA on September 25, 2012, 09:31:27 AM
can someone please direct me to 50k amex MB?

and to 50k citi Visa and amex? i cant find them . Does the Amex pull like amex cards or like Citi cards (2 diff CB's for me)

@Ashero - how many pulls did you get for all those apps?
Citi   http://forums.dansdeals.com/index.php?topic=3104.msg278731#msg278731

Amex MB  https://www.mbfs.com/mbfsr/en/misc/creditCard.do
Title: Re: My next app-o-rama...
Post by: sim on September 26, 2012, 10:56:45 PM
anyone have experience doing a 2bm sapphire visa and master card ?
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 27, 2012, 12:06:52 AM
anyone have experience doing a 2bm sapphire visa and master card ?

sim, i advise you to abandon your attempts to interject in this thread lest you be branded a n00b and accused of bringing in " irrelevant stuff" into this thread...

We love you AsherO, but you also have to realize that you're not the only one here, and this thread is not "your thread," despite having started it.

BTW sim, i was kidding... :)

Oh, and AsherO, i aint no n00b! Despite having only 50 something posts, i've been a long-time lurker and i count myself among the 1 percent when it comes to miles (i.e. a millionaire).
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 27, 2012, 12:12:20 AM
sim, i advise you to abandon your attempts to interject in this thread lest you be branded a n00b and accused of bringing in " irrelevant stuff" into this thread...

We love you AsherO, but you also have to realize that you're not the only one here, and this thread is not "your thread," despite having started it.

BTW sim, i was kidding... :)
Hey, IIRC you weren't too excited when people were making jokes when you were trying to find out info. Why would you do it someone else  >:(

Instead, why don't you link him to where he can find his answer. . .
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 27, 2012, 12:16:30 AM
Hey, IIRC you weren't too excited when people were making jokes when you were trying to find out info. Why would you do it someone else  >:(

Instead, why don't you link him to where he can find his answer. . .

If i would have the info i would readily supply it.

I was not upset with people making jokes, i was upset with people ridiculing. There's a big difference.
Title: Re: My next app-o-rama...
Post by: Saver2000 on September 27, 2012, 12:17:30 AM
Oh well, better be worth the $40k+ Now now, try matching to 40k after $2k, or to 50k? Hmmm

IME its easier to get matched to $2k spend, then to 50k. Now waiting for meshugener to pipe up. . .
Title: Re: My next app-o-rama...
Post by: meshugener on September 27, 2012, 12:29:02 AM
Piped!....
You know we have a different view on the big deal of sending more than 1 SM for a request.
It has earned me fortune.
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 12:36:58 AM
sim, i advise you to abandon your attempts to interject in this thread lest you be branded a n00b and accused of bringing in " irrelevant stuff" into this thread...

We love you AsherO, but you also have to realize that you're not the only one here, and this thread is not "your thread," despite having started it.

BTW sim, i was kidding... :)

Oh, and AsherO, i aint no n00b! Despite having only 50 something posts, i've been a long-time lurker and i count myself among the 1 percent when it comes to miles (i.e. a millionaire).

Excuse me, I started a thread about my app-o-rama, and you came and posted off-topic stuff in my thread, and got antsy when no-one responded quickly enough for you... If your no n00b, then why no courtesy/netiquette?

You lost my respect. You didn't post in a relevant thread, you haven't contributed anything of substance here on DDF, if you'd like to mooch, please go somewhere else, or at very least go back to lurking. Notice that I didn't point you out in person, but when I referred to the n00bs in this thread, you immediately assumed I was talking about you, I wonder why...

I have contributed enough to this community to be "entitled" to ask the questions I want to ask without being threadcr@pped on, if you disagree, please explain why I'm wrong.

If you want to get into a flame war, go for it,  trust me I'll win :D
Title: Re: My next app-o-rama...
Post by: meshugener on September 27, 2012, 12:39:22 AM
Oh! Did you eat something?
Sounds like you're still fasting...
I know another member as well who loged in to DDF before eating (@PG).
Title: My next app-o-rama...
Post by: FMM on September 27, 2012, 12:39:34 AM
Anyone get the chase Hyatt card?  Worth it?
Title: Re: My next app-o-rama...
Post by: JEWDA on September 27, 2012, 12:40:52 AM
Excuse me, I started a thread about my app-o-rama, and you came and posted off-topic stuff in my thread, and got antsy when no-one responded quickly enough for you... If your no n00b, then why no courtesy/netiquette?

You lost my respect. You didn't post in a relevant thread, you haven't contributed anything of substance here on DDF, if you'd like to mooch, please go somewhere else, or at very least go back to lurking. Notice that I didn't point you out in person, but when I referred to the n00bs in this thread, you immediately assumed I was talking about you, I wonder why...

I have contributed enough to this community to be "entitled" to ask the questions I want to ask without being threadcr@pped on, if you disagree, please explain why I'm wrong.

If you want to get into a flame war, go for it,  trust me I'll win :D
ALOL
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 12:41:02 AM
Anyone get the chase Hyatt card?  Worth it?

Relevance to this thread?
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 27, 2012, 02:05:14 AM
Excuse me, I started a thread about my app-o-rama, and you came and posted off-topic stuff in my thread, and got antsy when no-one responded quickly enough for you... If your no n00b, then why no courtesy/netiquette?

Starting a thread does not entitle you to ownership. I posit most will agree with me on this one.

And yes i did get antsy because time was ticking and $700-$800 dollars hung in the balance. I think that's justified.

You lost my respect. You didn't post in a relevant thread.

Sorry, but i thought posting about my app-o-rama has relevance to a thread that shares the very same name... (yes, the SW app was part of an app-o-rama, as i clearly indicated earlier.)

you haven't contributed anything of substance here on DDF, if you'd like to mooch, please go somewhere else, or at very least go back to lurking.

I assume you reviewed all my posts before writing that drivel.

Notice that I didn't point you out in person, but when I referred to the n00bs in this thread, you immediately assumed I was talking about you, I wonder why...

An extremely infantile statement. Doesn't merit comment.

I have contributed enough to this community to be "entitled" to ask the questions I want to ask without being threadcr@pped on, if you disagree, please explain why I'm wrong.

Indeed you have (as i myself pointed out in my post) which is greatly appreciated and is to be commended, but that still doesn't entitle you to ownership of a thread. (Your relevance point is valid, but i think i addressed it satisfactorily.)

If you want to get into a flame war, go for it,  trust me I'll win :D

No, i dont want a flame war. Though i doubt your final statement... ;)
Title: Re: My next app-o-rama...
Post by: Hank on September 27, 2012, 10:53:56 AM
AsherO, any updates on those 3 Amex applications?  I have a similar churn coming up, and I'm very curious if they are now enforcing the new terms and conditions to prevent 2 platinum cards being opened at the same time.
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 12:46:24 PM
Starting a thread does not entitle you to ownership. I posit most will agree with me on this one.

And yes i did get antsy because time was ticking and $700-$800 dollars hung in the balance. I think that's justified.

1. I never used the word ownership.
2. Why don't you read up on forum netiquette, before telling me what you think is justified. I simple Google search should offer some tips, whih are really common sense, but actually spelled out for people who are lacking.
3. Do you also posit most will agree that your antsy behavior was justified? Look at responses other than mine (to your urgency) and see what others think. If you want to be respected around here by anyone here, you'll have to earn it, or you'll join our list of black sheep, and won't be taking seriously. That's not a threat, it's a valuable piece of advice. Here are a few threads you might want to read:

http://forums.dansdeals.com/index.php?topic=31.0
http://forums.dansdeals.com/index.php?topic=13230

Sorry, but i thought posting about my app-o-rama has relevance to a thread that shares the very same name... (yes, the SW app was part of an app-o-rama, as i clearly indicated earlier.)


You made no reference to an AOR of your own, was I supposed to somehow know that? The "burden" is on you to establish relevance, not on me (or any other poster) to fill in for your omissions.

I assume you reviewed all my posts before writing that drivel.

I definitely read through your posts. Maybe we have different standards for what's considered a substantial contribution.

An extremely infantile statement. Doesn't merit comment.

Really? There were others I definitely consider n00bs who hijacked by thread, why the defensive stance unless you're guilty as charged? The Hebrew idiom comes to mind "על ראש הגנב בוער הכובע", sorry, I don't know of an English equivalent.

Indeed you have (as i myself pointed out in my post) which is greatly appreciated and is to be commended, but that still doesn't entitle you to ownership of a thread. (Your relevance point is valid, but i think i addressed it satisfactorily.)

1. 'm not looking for commendation (you wrote "we love you"), I'm looking for respect as outlined by general netiquette and the rules of this forum.
2. Again, you're accusing me of claiming ownership of this thread, which I have never done.
3. Your satisfactory defense was what exactly? I applied for 13 cards, none which was the SW card. The SW wasn't even mentioned in this thread. You failed to mention you even had an app-o-rama (ever) in any of your posts on DDF. How was your post relevant? (see point 4 below for threads where your question would actually be relevant)
4. Why didn't you post in any of these threads, where your post would actually have been relevant?:
http://forums.dansdeals.com/index.php?topic=8028.0
http://forums.dansdeals.com/index.php?topic=19906.0
http://forums.dansdeals.com/index.php?topic=8370.0
http://forums.dansdeals.com/index.php?topic=5409.0
http://forums.dansdeals.com/index.php?topic=5861.0

I'm making logical basis for my arguments, and attempting to do so without making personal ad-hominem attacks on you. If you want to reply in-kind, in an intellectually honest fashion, and defend your arguments logically, I'd be glad to continue this discussion.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 27, 2012, 05:41:31 PM
1. I never used the word ownership.

Actions speak louder than words...

Do you also posit most will agree that your antsy behavior was justified?

Umm, didnt i just answer that?

Look at responses other than mine (to your urgency) and see what others think.


Yes, i was reprimanded (or better yet, ridiculed) by an astounding two members, one of which you yourself just chastised a few posts back... Not exactly a scientific gauge of public opinion, to say the least.

You made no reference to an AOR of your own, was I supposed to somehow know that? The "burden" is on you to establish relevance, not on me (or any other poster) to fill in for your omissions.


That's partially true. I made clear reference to my chase 2BM. What's the exact threshold to qualify as an AOR? And where is it written?

I definitely read through your posts. Maybe we have different standards for what's considered a substantial contribution.


Is being the first (on DDF) to match the recent 50,000 British offer to 100,000, and report in detail how i did it (to the extent that i got a call from the rep that i dealt with (and mistakenly posted her name and number online) to stop giving out her number because she's getting constant direct calls from "my friends"... [until Dan kindly removed it - thanks Dan!]).

Is that not a contribution???

Need i continue and mention my help on Barcleys Reconsideration thread?

You "standards" for "substantial contribution" are somewhat demanding... ;)

Really? There were others I definitely consider n00bs who hijacked by thread, why the defensive stance unless you're guilty as charged?


If your comments coming directly after a conversation I was having, and after two direct post of mine is not indicative of your intentions, what is?

The Hebrew idiom comes to mind "על ראש הגנב בוער הכובע", sorry, I don't know of an English equivalent.


Its origin is actually from the Yiddish language, אויפן גנב ברענט די היטל, which supposedly originated when after a robbery someone shouted out אויפן גנב ברענט די היטל and one man reached out to feel his hat. However, our situation is more like you lighting my hat on fire, than the idiom's origin...

I'm not looking for commendation.


I'll give it anyway. I personally benefited from your posts thus i feel obliged to give credit where it is due. Thank you!

I'm making logical basis for my arguments, and attempting to do so without making personal ad-hominem attacks on you. If you want to reply in-kind, in an intellectually honest fashion, and defend your arguments logically, I'd be glad to continue this discussion.

I believe i have done so too.
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 06:50:29 PM
I'm referring to your first post in this thread, no mention of a 2bm (which isn't an AOR by any stretch of the imagination) there. The fact that you mentioned it much later doesn't make that post inherently relevant retroactively. My main complaint is your threadcr@pping, the other netiquette offenses I'll leave for Dan (and Jewda :P) to police. As for my "ownership" of this thread, I wouldn't take any issues with on-topic posts in this thread, even if they'd hinder the chances of my questions getting answered all the same.

I'll give it anyway. I personally benefited from your posts thus i feel obliged to give credit where it is due. Thank you!

Right, at the extent of threadcr@apping a thread I started and not even admitting so.

לא מדובשך ולא מעוקצך
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 27, 2012, 06:54:09 PM
לא מדובשך ולא מעוקצך

In which way did i sting you?
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 07:00:26 PM
In which way did i sting you?

I'm still waiting for you to explaiin the relevance of this post to any of the posts before it:

Anyone have a 50,000 mile sign-up offer link for SW? And if not, do you think they'll match the 25,000 offer to 50,000 with SM?

Until you do, GTFO of this thread. Start your own threads (in your terms), as many as you like.
Title: Re: My next app-o-rama...
Post by: meshugener on September 27, 2012, 07:04:13 PM
GTFO, GTFO, oh! GTFO!
Title: Re: My next app-o-rama...
Post by: PETERP on September 27, 2012, 08:58:08 PM
I'm still waiting for you to explaiin the relevance of this post to any of the posts before it:

Until you do, GTFO of this thread. Start your own threads (in your terms), as many as you like.

Asher has more stars than the Allied Commander in WW ll . I would listen to him if I were you !

GTFO and take your ball with you !
Title: Re: My next app-o-rama...
Post by: meshugener on September 27, 2012, 09:08:02 PM
Didn't check it, but I have a feeling #GTFO is now trending on Twitter.
Title: Re: My next app-o-rama...
Post by: AsherO on September 27, 2012, 10:25:06 PM
Asher has more stars than the Allied Commander in WW ll . I would listen to him if I were you !

GTFO and take your ball with you !

This has nothing to do with stars, people should search and post in appropriate threads, it's in the forum rules. What search terms did Shmulyg use that bought him to this thread?
Title: Re: My next app-o-rama...
Post by: compddd on September 27, 2012, 10:36:39 PM
Does anyone know what this means for a BofA CC app? My EXP is frozen.

Thank You!
Thank you for submitting a credit card application.

Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.

You will receive a written response within the next 30 days.
Title: Re: My next app-o-rama...
Post by: AJK on September 27, 2012, 10:40:16 PM
What do you mean what does it mean?
Title: Re: My next app-o-rama...
Post by: MEIR613 on September 27, 2012, 11:15:09 PM
Does anyone know what this means for a BofA CC app? My EXP is frozen.

Thank You!
Thank you for submitting a credit card application.

Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.

You will receive a written response within the next 30 days.

just got it last week. call tommorow and you can talk to them about your app. its going under review
Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 01:31:44 AM
just got it last week. call tommorow and you can talk to them about your app. its going under review

+1, recon is the way to go :)

Mods, please edit this thread title to random CC questions, or n00bisms unlimited or something :P
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 28, 2012, 01:55:46 AM
I fail to reconcile your following statement:

I'm making logical basis for my arguments, and attempting to do so without making personal ad-hominem attacks on you. If you want to reply in-kind, in an intellectually honest fashion, and defend your arguments logically, I'd be glad to continue this discussion.

With:

Until you do, GTFO of this thread.

I also find the following two statements "slightly" contradictory:

I never used the word ownership.

Until you do, GTFO of this thread. Start your own threads (in your terms), as many as you like.

Also note how your argument changed from a "relevance" one, to a chronological one. I also see how you realized that my "lack of contribution" claim held no water.

When you referred to a flame war, i was under the impression we would be fighting conventional warfare, not dropping F-bombs. Well, i guess that's what happens when you run out of your professed "logical arguments"...

Indeed, how sad!
Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 02:04:15 AM
I fail to reconcile your following statement:

With:

I also find the following two statements "slightly" contradictory:

Also note how your argument changed from a "relevance" one, to a chronological one. I also see how you realized that my "lack of contribution" claim held no water.

When you referred to a flame war, i was under the impression we would be fighting conventional warfare, not dropping F-bombs. Well, i guess that's what happens when you run out of your professed "logical arguments"...

Indeed, how sad!


My issue began, and still is, about the the fact that you hijacked my thread. When you failed to address my repeated mentions of Netiquette, and cited a post 20 posts later to establish relevance of your first post which hijacked my thread (which you still haven't established relevance for as far as I am concerned), I realized it doesn't matter what I will say you'll still maintain you never hijacked my thread, I went over to speaking your language.

The only question is why I bothered to respond when you couldn't explain your hijack, I'm done here, say what you'd like.

ETA: Have the last word, if it'll make you feel right.
Title: Re: My next app-o-rama...
Post by: Shmulyg on September 28, 2012, 02:15:39 AM
Seeing your fondness with Hebrew idioms, i would like to respond to your following statement:
If you want to get into a flame war, go for it,  trust me I'll win :D
With: אל יתהלל חוגר כמפתח!

And to conclude with another Hebrew adage: ואת והב בסופה... (i.e. no hard feeling)
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 09:18:32 AM
just got it last week. call tommorow and you can talk to them about your app. its going under review

Looks like BofA doesn't like when you freeze your EX :/

We regret we're unable to approve your request at this time. Your business is appreciated and careful consideration was given to your request. Please allow 7-10 days to receive a letter by mail explaining the reasons for our decision. As a result of our decision, any balance transfer requests included with your credit application will not be processed.
Title: Re: My next app-o-rama...
Post by: meshugener on September 28, 2012, 09:44:21 AM
Call BofA recon.



"Not dropping  F-bombs." ha ha ha...
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 09:54:55 AM
I know what they're going to say though, "Give us the pin to bypass the EX freeze." when I ask them to pull TU or EQ

I'll give it a shot anyway.
Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 10:20:59 AM
I know what they're going to say though, "Give us the pin to bypass the EX freeze." when I ask them to pull TU or EQ

I'll give it a shot anyway.

Not necessarily, it's worth a shot.
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 10:21:33 AM
alright, so i finally have my list put together. For me this is the final version. if someone has a better idea for me or advice please let me know.

Amex: (EX)
PRG - 25k ;$2k spend in 2 months
SPG - 25k ; $5k spend 5 months
MB Plat - 50k ; $1k spend in 3 months

Chase: (TU)
Sapphire Pref. MC - 40k ; $3k spend in 3 months
Freedom MC - 10k ; $500 in 3 months
United MPE - 55k ; $1k spend in 3 months and add AU

Citi: (EQ)
Visa - 50k ; ??
Amex - 50k ; ??

My last Amex 3bm was about 2 months ago - denied SPG
My last Chase 2bm was in May - denied BA and UA (only bec. i opened an SP in April) - i have SP visa so i have what switch
My last Citi app was 12 months ago

the MB plat card i have and im cancelling now. hope to get bonus again
the freedom i will try matching to 30k and SP to 50k

whats the spending  req. for Citi?

Total Spend Req (not incl. citi): $7500 in first 3 months + $5k for SPG an extra 2 months

Any advice?
you think i can pull off all that spending between AP, jos. A bank, Nordstom and ??
Title: Re: My next app-o-rama...
Post by: MEIR613 on September 28, 2012, 10:27:12 AM


Chase: (TU)
Sapphire Pref. MC - 40k ; $3k spend in 3 months
Freedom MC - 10k ; $500 in 3 months
United MPE - 55k ; $1k spend in 3 months and add AU



chase recently started pulling from ex but good luck

Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 10:28:15 AM
chase recently started pulling from ex but good luck

He's not in NY. IME (NY) Chase always pulled pulled from EX, so I'm not sure what you mean by "started"
Title: Re: My next app-o-rama...
Post by: meshugener on September 28, 2012, 10:29:30 AM
The PRG app with $500 spend is no longer available?
Citi AA is $3k spent, +$100 statement credit.
I'd rather do regular plat to maximize chances of getting the bonus.
Title: Re: My next app-o-rama...
Post by: MEIR613 on September 28, 2012, 10:33:06 AM
He's not in NY. IME (NY) Chase always pulled pulled from EX, so I'm not sure what you mean by "started"

IME chase has pulled in ny from eq and recently my wife got pulled from ex
Title: Re: My next app-o-rama...
Post by: myb821 on September 28, 2012, 10:35:20 AM
IME chase has pulled in ny from eq and recently my wife got pulled from ex
most ppls experience is that chase pulled from ex in ny
Title: Re: My next app-o-rama...
Post by: Dan on September 28, 2012, 10:36:39 AM
Has anyone gotten the points on a MB plat churn recently?
Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 10:36:45 AM
IME chase has pulled in ny from eq and recently my wife got pulled from ex

EQ has been reported before, but the general consensus has always been that Amex and Chase typically pull from EX (and Citi from EQ) in NY

most ppls experience is that chase pulled from ex in ny

You beat me to it.
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 10:37:16 AM
Seems like every institution is gravitating towards EX only. It's dumb
Title: Re: My next app-o-rama...
Post by: myb821 on September 28, 2012, 10:38:17 AM
Seems like every institution is gravitating towards EX only. It's dumb
smart for them stinks for us
Title: Re: My next app-o-rama...
Post by: AsherO on September 28, 2012, 10:38:38 AM
Seems like every institution is gravitating towards EX only. It's dumb

I don't think you're correct about this, AFAIAC nothing changed and it's a mixed bag depending on state.
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 10:39:16 AM
Citi AA is $3k spent, +$100 statement credit.
I'd rather do regular plat to maximize chances of getting the bonus.
oh gosh, i didnt think the citi would be 3k. so that means 6k total for the 2 cards??.. i may have to take some apps off.

u think i have a better chance with the regular plat? its more spending though - and i have a 50k app ; $3k spend (please dont ask for it because its not mine and i dont know if he wants me sharing)

Title: Re: My next app-o-rama...
Post by: meshugener on September 28, 2012, 10:41:27 AM
If you already had the MB and not the plat, its a simple decision to make.
For Citi you can use tickets.
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 10:44:15 AM
If you already had the MB and not the plat, its a simple decision to make.
For Citi you can use tickets.
i had both plat and MB (but plat was 25k and now 50k)

citi tickets meaning? buy and cancel to a diff card?
Title: Re: My next app-o-rama...
Post by: Dan on September 28, 2012, 10:45:59 AM
i had both plat and MB (but plat was 25k and now 50k)
Then you may not get either based on what people are saying these days about plat, but who knows anymore.
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 10:50:49 AM
Then you may not get either based on what people are saying these days about plat, but who knows anymore.
so lets say i pass on the plat cards for now, Should i downgrade one? if yes, which one and to which card would be best?

what would u recommend to replace the plat card with if i decide to go ahead with the 3bm?
Title: Re: My next app-o-rama...
Post by: Dan on September 28, 2012, 10:52:06 AM
so lets say i pass on the plat cards for now, Should i downgrade one? if yes, which one and to which card would be best?

what would u recommend to replace the plat card with if i decide to go ahead with the 3bm?
SPG business?
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 10:58:34 AM
i had both plat and MB (but plat was 25k and now 50k)

citi tickets meaning? buy and cancel to a diff card?

When did you apply for your last plat and MB plat?
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 11:13:42 AM
SPG business?
thanx. never did business before. do i make up a business name or can i use like Chabad of....?


When did you apply for your last plat and MB plat?
2 months ago
Title: Re: My next app-o-rama...
Post by: Dan on September 28, 2012, 11:21:35 AM
thanx. never did business before. do i make up a business name or can i use like Chabad of....?
Info here:
http://www.dansdeals.com/archives/23240
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 11:23:09 AM
thanx. never did business before. do i make up a business name or can i use like Chabad of....?

2 months ago

You won't get the points for plat/MB plat if you sign up again
Title: Re: My next app-o-rama...
Post by: Cbs on September 28, 2012, 11:26:36 AM
Info here:
http://www.dansdeals.com/archives/23240
great. thanx

You won't get the points for plat/MB plat if you sign up again
ok should i downgrade one of them? and to green or zync?
Title: Re: My next app-o-rama...
Post by: AJK on September 28, 2012, 11:56:09 AM
You won't get the points for plat/MB plat if you sign up again

It's not 100% always the case (or so it seems).

It'd be an interesting test if he wants to TOFTT.
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 12:19:54 PM
I haven't heard of anyone who signed up after May and then tried to churn again a 2nd time getting the points.

I'd love to be wrong though
Title: Re: My next app-o-rama...
Post by: meshugener on September 28, 2012, 01:45:11 PM
Sorry for asking again.
Has anyone been denied bonus points on the MB because he already had the reg plat or vice versa?
Title: Re: My next app-o-rama...
Post by: compddd on September 28, 2012, 01:54:41 PM
I haven't seen anyone post data points on it yet. Everyone here always does 2BM/3BM with the plats and golds so it will be hard getting data points for something like that.
Title: Re: My next app-o-rama...
Post by: meshugener on September 28, 2012, 01:56:39 PM
I wanna do a 2bm MB/plat for a first timer. Should I go 4 it?
Title: Re: My next app-o-rama...
Post by: myb821 on September 28, 2012, 02:03:23 PM
I wanna do a 2bm MB/plat for a first timer. Should I go 4 it?
i doubt it would be a problem but who knows
Title: Re: My next app-o-rama...
Post by: Cbs on September 29, 2012, 10:08:51 PM
just did 3bm on amex.. spg bus. , spg, and prg.
the spg bus. gave me an error and said i have to call.
should i reapply now, or will that give another pull?
Title: Re: My next app-o-rama...
Post by: meshugener on September 30, 2012, 02:00:47 AM
First call and see what they say.
Title: Re: My next app-o-rama...
Post by: Cbs on September 30, 2012, 02:02:27 AM
First call and see what they say.
They said to check app status and i checked and spg is pending, prg is approved and business spg never entered system and they asked if i wanted to reapply
Title: Re: My next app-o-rama...
Post by: meshugener on September 30, 2012, 02:12:55 AM
Apply for it again ASAP and hope it'll get coded on your credit report as applied in the same date of the others, so the second pull will either be combined automatically or you'll be able to dispute it as a duplicate.
I hope you still gonna make it. Hard to figure out what time zone they use.
Title: Re: My next app-o-rama...
Post by: Cbs on September 30, 2012, 02:17:18 AM
But that was at 10 pm and now its 2 am. What if i get another pull what can i tell them to dispute it
Title: Re: My next app-o-rama...
Post by: meshugener on September 30, 2012, 02:47:33 AM
If they get coded as 2 different days, you're out of luck, IME.
But maybe, maybe, it'll get reported as the same day.
Title: Re: My next app-o-rama...
Post by: Cbs on September 30, 2012, 02:51:23 AM
itll come up as a diff day prob since its now 9/30 and i applied on 9/29

anyway the link i had for the bus. card seems to be expired! anyone else say i should go for it or should i lay off and wait another 2 months or so?
Title: Re: My next app-o-rama...
Post by: Cbs on October 03, 2012, 01:50:17 PM

Chase: (TU)
Sapphire Pref. MC - 40k ; $3k spend in 3 months
Freedom MC - 10k ; $500 in 3 months
United MPE - 55k ; $1k spend in 3 months and add AU

if i decide to call recon now to push thru the apps quicker, should i call for all 3 in one phone call? 2 in a call? or all separately?

and is there any disadvantage of calling before waiting for the decision to come thru?
Title: Re: Re: My next app-o-rama...
Post by: sky121 on October 03, 2012, 01:52:30 PM
if i decide to call recon now to push thru the apps quicker, should i call for all 3 in one phone call? 2 in a call? or all separately?

and is there any disadvantage of calling before waiting for the decision to come thru?

Sometimes the rep offers to help with all 3. Once in a while I just call back for each one.
Title: Re: Re: My next app-o-rama...
Post by: Cbs on October 03, 2012, 01:53:41 PM
Sometimes the rep offers to help with all 3. Once in a while I just call back for each one.
is it better though to do it all in one phone call or is there a chance that since they see too many theyll deny one or 2?
Title: Re: Re: My next app-o-rama...
Post by: MEIR613 on October 03, 2012, 01:59:18 PM
is it better though to do it all in one phone call or is there a chance that since they see too many theyll deny one or 2?

IME it is better to do 1 at a time unless you feel the rep is nice and you have a chance at the others IMHO and again YMMV

Title: Re: Re: My next app-o-rama...
Post by: Cbs on October 03, 2012, 02:04:41 PM
IME it is better to do 1 at a time unless you feel the rep is nice and you have a chance at the others IMHO and again YMMV
IYE is it better to wait for a decision or it makes no diff?
Title: Re: Re: My next app-o-rama...
Post by: MEIR613 on October 03, 2012, 02:09:13 PM
IYE is it better to wait for a decision or it makes no diff?

MPO is to call right away that way you could talk over anything that's a problem, transfer CL if needed, and they will usually tell you yes or no on the spot but again IMHO

Title: Re: My next app-o-rama...
Post by: compddd on October 03, 2012, 04:07:49 PM
When do I get my FFN for Virgin Atlantic? I apped for the BofA VA card and it said they will assign me one.
Title: Re: My next app-o-rama...
Post by: meshugener on October 03, 2012, 04:33:55 PM
By email, IME.
Title: Re: Re: My next app-o-rama...
Post by: Cbs on October 03, 2012, 04:41:52 PM
MPO is to call right away that way you could talk over anything that's a problem, transfer CL if needed, and they will usually tell you yes or no on the spot but again IMHO
I called and here's the outcome
http://forums.dansdeals.com/index.php?topic=8398.msg312866#msg312866
Title: Re: My next app-o-rama...
Post by: Shmulyg on October 03, 2012, 05:35:36 PM
if i decide to call recon now to push thru the apps quicker, should i call for all 3 in one phone call? 2 in a call? or all separately?
All separately.

and is there any disadvantage of calling before waiting for the decision to come thru?

Advantage of calling right away is a quicker decision. The disadvantage is that recon will seldomly approve you without reallocating credit lines, while waiting may get you a regular approval with a fresh credit line (and you could always call recon later if declined).

Title: Re: Re: My next app-o-rama...
Post by: MEIR613 on October 03, 2012, 06:16:28 PM
IYE is it better to wait for a decision or it makes no diff?

Do you think it was worth it to call or not? What would you do next time?

Title: Re: Re: Re: My next app-o-rama...
Post by: Cbs on October 03, 2012, 06:57:41 PM
Do you think it was worth it to call or not? What would you do next time?
it was worth it for this batch and I needed the cards asap cuz I'm leaving town but as shmulyg said that there can be an advantage by waiting.
Next time if I have time I may wait it out.
Title: Re: My next app-o-rama...
Post by: compddd on October 10, 2012, 12:52:42 PM
I applied for the BofA Virgin 65k through an offer in the mail. I just called to verify the bonus and the rep said there was 2 concurrent bonuses running on the account, get 25k after $750 spend in 90 days, and get another 25k after spending $2500 in 90 days, plus 20k after first purchase.

I'm not sure if she knew what she was talking about. Should I try and meet the $2500 spend just in case?
Title: Re: My next app-o-rama...
Post by: myb821 on October 10, 2012, 12:53:25 PM
I applied for the BofA Virgin 65k through an offer in the mail. I just called to verify the bonus and the rep said there was 2 concurrent bonuses running on the account, get 25k after $750 spend in 90 days, and get another 25k after spending $2500 in 90 days, plus 20k after first purchase.

I'm not sure if she knew what she was talking about. Should I try and meet the $2500 spend just in case?
send an SM so u have it in writing
Title: Re: My next app-o-rama...
Post by: compddd on October 10, 2012, 12:57:11 PM
I called again and the rep said the account showed +20k after first purchase, +5k after two AUs, +25k after $750 in 90 days.

So I don't think the first rep knew what was going on :)
Title: Re: My next app-o-rama...
Post by: myb821 on October 10, 2012, 12:59:05 PM
I called again and the rep said the account showed +20k after first purchase, +5k after two AUs, +25k after $750 in 90 days.

So I don't think the first rep knew what was going on :)
again can't hurt to sm
Title: Re: My next app-o-rama...
Post by: meshugener on October 10, 2012, 01:26:28 PM
I called again and the rep said the account showed +20k after first purchase, +5k after two AUs, +25k after $750 in 90 days.


you sure? not after $2500?
Title: Re: My next app-o-rama...
Post by: compddd on October 10, 2012, 01:53:30 PM
I guess my mailed offer was different. I did a 2BM for it (applied twice like AsherO did).

I called multiple times for both cards and they all confirmed the 25k is after $750 spend, not $2500
Title: Re: My next app-o-rama...
Post by: est on October 10, 2012, 02:06:56 PM
i posted elsewhere on the forum but got no response...im really lost - please help!!!

its been a yr since i applied for cards so im being hit with all the fees now. id like to apply for a whole bunch more and then try to get some of the fee ones closed for the new ones. i need some help with the choices.
i have:
spg (cannot close its my oldest card by far)
freedom
sapphire
united
citi aadvantage

my husband has:
spg (also oldest)
freedom
southwest
continental- now its a united
united

we both had BA and closed as well as an amex gold charge card.
im looking for best points cards as I usually sell them since I dont fly much.

i would like to do 2 3BM each, however i live in NJ so maybe i should first do an amex then freeze 2 credit agencies for the chase one?
any input would b appreciated.

can someoneone also tell me where to find the best offer links going through dan?
Title: Re: My next app-o-rama...
Post by: sky121 on October 10, 2012, 02:27:00 PM
i posted elsewhere on the forum but got no response...im really lost - please help!!!

its been a yr since i applied for cards so im being hit with all the fees now. id like to apply for a whole bunch more and then try to get some of the fee ones closed for the new ones. i need some help with the choices.
i have:
spg (cannot close its my oldest card by far)
freedom
sapphire
united
citi aadvantage

my husband has:
spg (also oldest)
freedom
southwest
continental- now its a united
united

we both had BA and closed as well as an amex gold charge card.
im looking for best points cards as I usually sell them since I dont fly much.

i would like to do 2 3BM each, however i live in NJ so maybe i should first do an amex then freeze 2 credit agencies for the chase one?
any input would b appreciated.

can someoneone also tell me where to find the best offer links going through dan?

Why would you freeze the other 2 credit bureaus  for the Chase?

Pick a few Chase cards to apply for and close down the Southwest and United cards to have them approved.
Title: Re: My next app-o-rama...
Post by: est on October 10, 2012, 02:45:18 PM
since they supposedly always pull from one agency in nj. u dont think i should?

also i know to close some cards thats what i want to do since i have to pay the fees now - my question was what should be the cards i apply for? im looking for high point signup with not that much spending.
tx
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 13, 2012, 11:41:09 PM
Just did a app o rama for my friend who had 1 citi card(not aa) and 1 random so heres what i did for him(he wanted me to do it tonight)
in order

AMEX

spg(25k) = declined
blue cash - (targted 30k =$400) 500 spend = pending
delta - (targted 50k) 500 spend = pending

BARCLAYS

NFL($400) = instant approval
US AIR(40K) = instant approval
US AIR(40K) = instant approval (lower tier)

CHASE

SOUTHWEST (2 free flights) 2K spend = pending
FREEDOM(10K)500 spend = pending
HYATT(2 free nights + $100)1K spend = pending

CITI

VISA AA (50K + 2 admiral passes)2500 spend = approval via messaging
AMEX AA(50K + 2 admiral passes)2500 spend = approval via phone
Title: Re: My next app-o-rama...
Post by: plainbachur on November 13, 2012, 11:57:34 PM
Southwest
Hyatt
Sapphire
Title: Re: My next app-o-rama...
Post by: Shmelly on November 27, 2012, 05:26:08 PM
I'm about due for my next AOR and looking for some advice.

Chase: I will likely go for a United (last closed 9 months ago), an SP Visa (closing an MC in a week), and an Ink (never had any). I don't see any differences between the Plus and the Bold - should I just go for both and make it a 4BM?

Amex: Unfortunately I can't do Plat, MB Plat, PRG, or SPG due to the new crackdown. BCP seems like the only decent option, so I need another 2 suggestions.

Citi: I already have 2 AAs and 2 Hiltons opened in the last 6 months, so those are out. Any decent TYP offers available right now? Any other suggestions?

Any other interesting cards I should throw in?
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 05:51:08 PM
I'm about due for my next AOR and looking for some advice.

Chase: I will likely go for a United (last closed 9 months ago), an SP Visa (closing an MC in a week), and an Ink (never had any). I don't see any differences between the Plus and the Bold - should I just go for both and make it a 4BM?

Amex: Unfortunately I can't do Plat, MB Plat, PRG, or SPG due to the new crackdown. BCP seems like the only decent option, so I need another 2 suggestions.

Citi: I already have 2 AAs and 2 Hiltons opened in the last 6 months, so those are out. Any decent TYP offers available right now? Any other suggestions?

Any other interesting cards I should throw in?

Don't forget BOA HA X 2
Barclays NFL + US Air + US Air
:)

Title: Re: My next app-o-rama...
Post by: U-no-me! on November 27, 2012, 05:52:48 PM
Just did a app o rama for my friend who had 1 citi card(not aa) and 1 random so heres what i did for him(he wanted me to do it tonight)
in order

AMEX

spg(25k) = declined
blue cash - (targted 30k =$400) 500 spend = pending
delta - (targted 50k) 500 spend = pending

BARCLAYS

NFL($400) = instant approval
US AIR(40K) = instant approval
US AIR(40K) = instant approval (lower tier)

CHASE

SOUTHWEST (2 free flights) 2K spend = pending
FREEDOM(10K)500 spend = pending
HYATT(2 free nights + $100)1K spend = pending

CITI

VISA AA (50K + 2 admiral passes)2500 spend = approval via messaging
AMEX AA(50K + 2 admiral passes)2500 spend = approval via phone

You applied for all these tonight!?  :o
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 05:55:42 PM
I'm about due for my next AOR and looking for some advice.

Chase: I will likely go for a United (last closed 9 months ago), an SP Visa (closing an MC in a week), and an Ink (never had any). I don't see any differences between the Plus and the Bold - should I just go for both and make it a 4BM?

Amex: Unfortunately I can't do Plat, MB Plat, PRG, or SPG due to the new crackdown. BCP seems like the only decent option, so I need another 2 suggestions.

Citi: I already have 2 AAs and 2 Hiltons opened in the last 6 months, so those are out. Any decent TYP offers available right now? Any other suggestions?

Any other interesting cards I should throw in?
-Why would you close the SPMC instead of leveraging it?
-What about AMEX business cards, SPG, etc.  And Delta?
-Which Hilton cards do you have from Citi?
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 06:07:28 PM
You applied for all these tonight!?  :o

2 weeks ago

Title: Re: My next app-o-rama...
Post by: yare on November 27, 2012, 06:17:24 PM
I'm about due for my next AOR and looking for some advice.

Chase: I will likely go for a United (last closed 9 months ago), an SP Visa (closing an MC in a week), and an Ink (never had any). I don't see any differences between the Plus and the Bold - should I just go for both and make it a 4BM?

Amex: Unfortunately I can't do Plat, MB Plat, PRG, or SPG due to the new crackdown. BCP seems like the only decent option, so I need another 2 suggestions.

Citi: I already have 2 AAs and 2 Hiltons opened in the last 6 months, so those are out. Any decent TYP offers available right now? Any other suggestions?

Any other interesting cards I should throw in?
there's currently a 65,000 hhonors points amex offer, expires on the 30th.                there are some 40k citi ty point offers out there
Title: Re: My next app-o-rama...
Post by: Shmelly on November 27, 2012, 08:09:29 PM
Quote
-Why would you close the SPMC instead of leveraging it?
Last time I tried applying for an SP when I already had an existing one they never even pulled my credit, as the system saw that I had one. If my credit doesn't get pulled on the app, I'm assuming recon will pull it when I call to explain, so by closing it (and moving the CL over to a different card), all the apps will go on 1 pull, and I can still use parts of my $80K Chase CL as leverage. See anything wrong with that logic? Is closing a card better leverage than shifting CL?
Quote
-What about AMEX business cards, SPG, etc.  And Delta?
Honestly, I never even thought of Amex biz. Does anyone know if they are applying 12 month rule for biz if you already had the card for personal (ie I have SPG personal so I won't get bonus for SPG biz)? In addition to SPG biz, which other 2 should I throw in this 3BM?
Quote
-Which Hilton cards do you have from Citi?
Hilton Visa Signature x2 (got 50K on each).
Quote
http://www304.americanexpress.com/getthecard/learn-about/Hilton-HHonors-Surpass
might be a better option if you can not spend 3k
How is this (40K after 1st purchase, 20K after $3K spend in 3 months) a better option than
Quote
there's currently a 65,000 hhonors points amex offer
(40K after $750 spend, 25K after $3K spend in 6 months)? Both carry spend reqs, but one gives 3 months longer than the other? Not following.
Title: Re: My next app-o-rama...
Post by: ADanFan on November 27, 2012, 08:15:04 PM
Am I allowed to apply to 2 airlines in a 3BM?

2 Chase Airline cards:

Chase Southwest Visa and Chase Mileage Plus United?
(and, perhaps an Ink Bold, in addition)?
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 08:19:05 PM
Last time I tried applying for an SP when I already had an existing one they never even pulled my credit, as the system saw that I had one. If my credit doesn't get pulled on the app, I'm assuming recon will pull it when I call to explain, so by closing it (and moving the CL over to a different card), all the apps will go on 1 pull, and I can still use parts of my $80K Chase CL as leverage. See anything wrong with that logic? Is closing a card better leverage than shifting CL?
Wrong play.
Call Recon as soon as you apply for the SPV and have them close and move over the line from the SPWMC to approve the Visa you'll need to shop at stores that only take Visa.
Just did that this week for a local friend.

Honestly, I never even thought of Amex biz. Does anyone know if they are applying 12 month rule for biz if you already had the card for personal (ie I have SPG personal so I won't get bonus for SPG biz)? In addition to SPG biz, which other 2 should I throw in this 3BM?
Business and personal should be different bonuses.  You just missed the Gold promo, but other cards like Delta may be worth considering.  You can mix AMEX personal and business of course as well.

Hilton Visa Signature x2 (got 50K on each).
Hilton Reserve? (http://www.dansdeals.com/go/HiltonReserve/)
TY Preferred? (http://www.dansdeals.com/go/cititypreferred/)
Forward? (http://www.dansdeals.com/go/citiforward/)
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 08:19:28 PM
Am I allowed to apply to 2 airlines in a 3BM?
Of course.
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 08:22:48 PM
If anyone for some reason is in a real rush to do a 3BM and doesnt have time to switch SPvisa to MC there is a link to for applying for the mastercard from mastercards website. however if u do this u wont be supporting dan so if not in a rush you should try and switch from sp visa to mc and then re apply for visa
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 08:28:59 PM
If anyone for some reason is in a real rush to do a 3BM and doesnt have time to switch SPvisa to MC there is a link to for applying for the mastercard from mastercards website. however if u do this u wont be supporting dan so if not in a rush you should try and switch from sp visa to mc and then re apply for visa
Actually there's no need to wait.  You can convert to MC and then apply for Visa and then Recon and leverage to MC to get approved for the Visa all back-to-back-to-back...
Title: Re: My next app-o-rama...
Post by: daganster on November 27, 2012, 08:29:23 PM

Hilton Reserve? (http://www.dansdeals.com/go/HiltonReserve/)
TY Preferred? (http://www.dansdeals.com/go/cititypreferred/)
Forward? (http://www.dansdeals.com/go/citiforward/)
Why not this Citi TY that gives you 50k https://creditcards.citi.com/credit-cards/citibusiness-thankyou-card/?
Dan, do you get a referral for these Citi cards?
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 08:29:37 PM
Actually there's no need to wait.  You can convert and then apply and then Recon all back-to-back-to-back...
doesnt it take a few days to convert?
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 08:30:11 PM
Why not this Citi TY that gives you 50k https://creditcards.citi.com/credit-cards/citibusiness-thankyou-card/?
Dan, do you get a referral for these Citi cards?
Definitely, you can go for that.
But Citi Personal+Business=2 pulls.
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 08:30:27 PM
doesnt it take a few days to convert?
Instant IME.
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 08:31:03 PM
Instant IME.
interesting
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 08:36:17 PM
Why not this Citi TY that gives you 50k https://creditcards.citi.com/credit-cards/citibusiness-thankyou-card/?
Dan, do you get a referral for these Citi cards?

Thats 25k TYP for 3k spending IMO not worth it

Rather go for HA + Barclays especially since Barclays pulls TU and usually BOA also in NY
Title: Re: My next app-o-rama...
Post by: daganster on November 27, 2012, 08:39:09 PM
Thats 25k TYP for 3k spending IMO not worth it

Rather go for HA + Barclays especially since Barclays pulls TU and usually BOA also in NY

That's not your opinion it is 25k TYP for 3k spending and an additional  25k TYP for 3k spending:) I would agree with you if you need to wait a year, but 3 months isn't that bad.
Title: Re: My next app-o-rama...
Post by: CholentTheTraveler on November 27, 2012, 08:44:45 PM
Exactly.  What am I going to do with 50k UA and SW miles lol
SW=Amazon if you happen to shop there a bit...
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 08:48:20 PM
ok thinking of chase 3BM currently have Bold UA Hyatt WN and SP visa. Thinking SP MC but cant decide what else to apply for
Title: Re: My next app-o-rama...
Post by: daganster on November 27, 2012, 09:00:54 PM
I'm going for an app-o-rama and could you some advice.

Amex:
 
1) Amex platinum business
2) SPG personal
3) Any advice
4)Any advice

Citi:
I've had a lot of success churning AA cards, but I think I'll take a break for now so...
1) Hilton reserve
2) TY 50k
Unless someone has a better idea

Barclays:
1) US Airways
2)US Airways
3) Any advice

Bofa:
Any advice shall suffice
Title: Re: My next app-o-rama...
Post by: CholentTheTraveler on November 27, 2012, 09:02:18 PM
I'm going for an app-o-rama and could you some advice.

Amex:
 
1) Amex platinum business
2) SPG personal
3) Any advice - SPG business
4)Any advice- Plat MB(personal) low spending threshold


Title: Re: My next app-o-rama...
Post by: daganster on November 27, 2012, 09:05:13 PM

Just downgraded a PLat MB worried that  they'll mention something.
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:11:10 PM
ok thinking of chase 3BM currently have Bold UA Hyatt WN and SP visa. Thinking SP MC but cant decide what else to apply for
can u have both WN cards at same time?
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:14:45 PM
Thats 25k TYP for 3k spending, IMO not worth it

Rather go for HA + Barclays especially since Barclays pulls TU and usually BOA also in NY

FTFM

That's not your opinion it is 25k TYP for 3k spending and an additional  25k TYP for 3k spending:) I would agree with you if you need to wait a year, but 3 months isn't that bad.
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:16:24 PM
ok thinking of chase 3BM currently have Bold UA Hyatt WN and SP visa. Thinking SP MC but cant decide what else to apply for

Another UA, UA biz
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:16:56 PM
Another UA, UA biz
I have UA open and I dont really want to mix personal and biz as its 2 pulls
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:21:26 PM
I have UA open and I dont really want to mix personal and biz as its 2 pulls

Its definitely a tough one. SP with UA and you already have both of them ???

maybe go all biz with 2 inks and UA biz
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:25:08 PM
ok thinking of chase 3BM currently have Bold UA Hyatt WN and SP visa. Thinking SP MC but cant decide what else to apply for
UA Biz 50K plus $50 (http://www.dansdeals.com/go/unitedexplorer) for $1K spend.
Ink Plus 50K (http://www.dansdeals.com/go/inkplus50) for $5K spend.
Ink Cash 20K (http://www.dansdeals.com/go/inkcash20) for $3K spend.
120K UR (~$2,280) plus $50 cash back for $9K spend req and 1 pull.

Or call and try to convert UA Visa to UA MC and apply for UA Visa?
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:26:15 PM
UA Biz 50K plus $50 (http://www.dansdeals.com/go/unitedexplorer) for $1K spend.
Ink Plus 50K (http://www.dansdeals.com/go/inkplus50) for $5K spend.
Ink Cash 20K (http://www.dansdeals.com/go/inkcash20) for $3K spend.
120K UR (~$2,280) plus $50 cash back for $9K spend req and 1 pull.
do u have a southwest biz card? also will biz recon be willing to relocate/cancel personal cards to approve biz cards?
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:27:43 PM
do u have a southwest biz card? also will biz recon be willing to relocate/cancel personal cards to approve biz cards?
No.
Yes.
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:28:38 PM
UA Biz 50K plus $50 (http://www.dansdeals.com/go/unitedexplorer) for $1K spend.
Ink Plus 50K (http://www.dansdeals.com/go/inkplus50) for $5K spend.
Ink Cash 20K (http://www.dansdeals.com/go/inkcash20) for $3K spend.
120K UR (~$2,280) plus $50 cash back for $9K spend req and 1 pull.
This is actually the exact 3BM I did myself this month :)
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:29:42 PM

[/quote]
UA Biz 50K plus $50 (http://www.dansdeals.com/go/unitedexplorer) for $1K spend.
Ink Plus 50K (http://www.dansdeals.com/go/inkplus50) for $5K spend.
Ink Cash 20K (http://www.dansdeals.com/go/inkcash20) for $3K spend.
120K UR (~$2,280) plus $50 cash back for $9K spend req and 1 pull.

Or call and try to convert UA Visa to UA MC and apply for UA Visa?
Its definitely a tough one. SP with UA and you already have both of them ???

maybe go all biz with 2 inks and UA biz
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:29:52 PM
UA Biz 50K plus $50 (http://www.dansdeals.com/go/unitedexplorer) for $1K spend.
Ink Plus 50K (http://www.dansdeals.com/go/inkplus50) for $5K spend.
Ink Cash 20K (http://www.dansdeals.com/go/inkcash20) for $3K spend.
70K UR+50k UA (~$2,060) plus $50 cash back for $9K spend req and 1 pull.

Or call and try to convert UA Visa to UA MC and apply for UA Visa?
FTFY and personally would deff do 50k sw biz instead of 20k UR plus
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:32:59 PM
FTFY and personally would deff do 50k sw biz instead of 20k UR plus
True.

If you do SW please use my link:
http://www.dansdeals.com/go/southwest50/
And click through to the business card on the bottom and update with your approval status.  You've piqued my curiosity.
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:37:33 PM
True.

If you do SW please use my link:
http://www.dansdeals.com/go/southwest50/
And click through to the business card on the bottom and update with your approval status.  You've piqued my curiosity.

You can find out instantly if you get referral once someone if approved?
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:40:32 PM
True.

If you do SW please use my link:
http://www.dansdeals.com/go/southwest50/
And click through to the business card on the bottom and update with your approval status.  You've piqued my curiosity.
on weather u will get a referral?
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:42:50 PM
You can find out instantly if you get referral once someone if approved?
No, but I can track by the 4 digit card type code.
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:43:35 PM
on weather u will get a referral?
Yup, but I've answered my own question by digging through the card codes.
They do indeed pay me if people click through from here (http://www.dansdeals.com/go/southwest50/) to any of the SW personal or business cards :D
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:44:24 PM
Yup, but I've answered my own question by digging through the card codes.
They do indeed pay me if people click through from here (http://www.dansdeals.com/go/southwest50/) to any of the SW personal or business cards :D
then if I apply i will gladly do it through your link
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 09:53:38 PM
is this UA biz 50k +$50 with a match?
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 09:55:13 PM
is this UA biz 50k +$50 with a match?

yep
Title: Re: My next app-o-rama...
Post by: AJK on November 27, 2012, 09:56:52 PM
is this UA biz 50k +$50 with a match?

Yes.
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 09:58:04 PM
is this UA biz 50k +$50 with a match?
http://www.dansdeals.com/archives/26128
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 10:04:51 PM
just out of curiosity any reason why there is no talk abt the fairmont card in this thread is there a reason people arent applying for it
Title: Re: My next app-o-rama...
Post by: Zeeeeks on November 27, 2012, 10:08:37 PM
Why not Bold, Plus and UA?
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 10:10:04 PM
Why not Bold, Plus and UA?

He has bold already and Dan already suggested the other 2
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 10:11:27 PM
just out of curiosity any reason why there is no talk abt the fairmont card in this thread is there a reason people arent applying for it
My guess is a pretty limited selection of hotels and that the Plaza and Savoy have extreme capacity controls.
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 10:12:21 PM
My guess is a pretty limited selection of hotels and that the Plaza and Savoy have extreme capacity controls.
got it
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 10:15:29 PM
my only problem is 8k spend in 3 months. I dont like playing tricks with chase do to my last AA. Hmmmmmm
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 10:21:08 PM
my only problem is 8k spend in 3 months. I dont like playing tricks with chase do to my last AA. Hmmmmmm
No VRs around ya or where you might be?
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 10:22:01 PM
No VRs around ya or where you might be?
nope none that I have found not sure what i should do
Title: Re: My next app-o-rama...
Post by: Dan on November 27, 2012, 10:22:56 PM
nope none that I have found not sure what i should do
Not gonna be anywhere outside NYC for the next 3 months??
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 10:23:13 PM
nope none that I have found not sure what i should do

what about MVD they seem to work
Title: Re: My next app-o-rama...
Post by: myb821 on November 27, 2012, 10:30:26 PM
what about MVD they seem to work
enlighten me
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 27, 2012, 10:35:12 PM
enlighten me
http://forums.dansdeals.com/index.php?topic=21024.375
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 12:28:32 AM
http://forums.dansdeals.com/index.php?topic=21024.375
interesting
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 01:13:45 AM
just pulled a bonehead move and need advice. I applied for 3 chase biz accounts not realizing my EX was frozen. I have 3 options on what to do please advise.
1. Re-apply for all three right now and hope that the first apps dont cause problems.
2. Unfreeze and call tomorrow to recon have them do all three pulls but then no chance of auto acceptance.
3. Call recon tomorrow have them cancel all the apps and then unfreeze and re-apply.
4. dont unfreeze and call tomorrow and ask them to pull TU instead.

any and all advise appreciated
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 01:40:03 AM
just pulled a bonehead move and need advice. I applied for 3 chase biz accounts not realizing my EX was frozen. I have 3 options on what to do please advise.
1. Re-apply for all three right now and hope that the first apps dont cause problems.
2. Unfreeze and call tomorrow to recon have them do all three pulls but then no chance of auto acceptance.
3. Call recon tomorrow have them cancel all the apps and then unfreeze and re-apply.
4. dont unfreeze and call tomorrow and ask them to pull TU instead.

any and all advise appreciated
no late night advice from anyone?
Title: Re: My next app-o-rama...
Post by: Saver2000 on November 28, 2012, 01:44:23 AM
no late night advice from anyone?
I would say option 3 is best for a chance at instant approval,   but I don't know that chase can cancel apps.

Option 4 would probably be a problem in regard to instant approval on more than 1 app.

Title: Re: My next app-o-rama...
Post by: SPLP on November 28, 2012, 03:13:00 AM
no late night advice from anyone?
late night advice
do not think u can get instant auto approval on 3 biz cards even if did the appo "right" way can get approval by calling in

1. and 3. no way would i do
4. i would try this first
2. if 4 above does not do it --do as  your#3
Title: Re: My next app-o-rama...
Post by: AJK on November 28, 2012, 07:34:35 AM
#4.

Blessing in disguise.
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 11:42:44 AM
ok so so far I have gotten WN and ink plus approved and when i call up they keep telling me 2/30 rule I knowHUCA but i have a few times and keep getting the same response
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 12:04:22 PM
woot woot 3/3
they opened the WN biz card with totally new credit. The plus card they closed my bold card for and my UA biz they closed a personal WN for
Title: Re: My next app-o-rama...
Post by: mmermss on November 28, 2012, 12:05:03 PM
woot woot 3/3
Great job!
Title: Re: My next app-o-rama...
Post by: Dan on November 28, 2012, 12:07:45 PM
Congrats!
Did you apply for WN Business Plus or Premier?
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 12:19:28 PM
Congrats!
Did you apply for WN Business Plus or Premier?
unfortunately didnt see the plus so im stuck with the premier at the higher annual fee
Title: Re: My next app-o-rama...
Post by: miles on November 28, 2012, 01:54:55 PM
Here wht i applied for my brother
He is new for credit cards his first card was the PLT 100k offer back in 2011 and now he only have one UA chase card with 1k CL


Amex :
Amex Plat Biz 1000k - Approved By phone
Amex Delta Gold 50k (Declined cuz its was private offer)

Citi 2BM: and 1B
AA 50k Visa - Instantly approved $7000 CL
AA 50k Amex - (Declined) 
AA visa biz 50k Approved By phone $7000 CL

Barclays 2BM:
50k US Airways - Instantly approved - $5000 CL
35k US Airways Biz (Declined)


Summary:

4/7 approved so far ka"h,
Title: Re: My next app-o-rama...
Post by: mmermss on November 28, 2012, 01:56:51 PM
Here wht i applied for my brother
He is new for credit cards his first card was the PLT 100k offer back in 2011 and now he only have one UA chase card with 1k CL


Amex :
Amex Plat Biz 1000k - Approved By phone
Amex Delta Gold 50k (Declined cuz its was private offer)

Citi 2BM: and 1B
AA 50k Visa - Instantly approved $7000 CL
AA 50k Amex - (Declined) 
AA visa biz 50k Approved By phone $7000 CL

Barclays 2BM:
50k US Airways - Instantly approved - $5000 CL
35k US Airways Biz (Declined)


Summary:

4/7 approved so far ka"h,

Not bad

Why no Chase?
Title: Re: My next app-o-rama...
Post by: miles on November 28, 2012, 02:09:03 PM
Not bad

Why no Chase?
denied last month for the INK
Title: Re: My next app-o-rama...
Post by: AJK on November 28, 2012, 02:11:05 PM

50k US Airways - Instantly approved - $5000 CL

What offer is that?
Title: Re: My next app-o-rama...
Post by: AsherO on November 28, 2012, 02:12:37 PM
Why no Chase?

+1

denied last month for the INK

Did you recon? I'd try for a personal card even if biz failed.

Nice AOR in any case.

What offer is that?

It's probably really a 40k with $10k for BT.
Title: Re: My next app-o-rama...
Post by: mmermss on November 28, 2012, 02:13:50 PM
denied last month for the INK

So why not try again for the freedom and offer to transfer CL?
Title: Re: My next app-o-rama...
Post by: miles on November 28, 2012, 02:16:37 PM
What offer is that?
US AIR 50K (https://www.barclaycardus.com/apply/Landing.action?campaignId=1695&cellNumber=21&prodidreq=CCMWC47767&referrerid=gennov12a)

40k after first use
10k after BT
with $89 Annual Fee
Title: Re: My next app-o-rama...
Post by: miles on November 28, 2012, 02:19:20 PM
+1

Did you recon? I'd try for a personal card even if biz failed.

yes once
with my experience its will not go a chase card now even personal
Title: Re: My next app-o-rama...
Post by: AsherO on November 28, 2012, 02:24:35 PM
yes once
with my experience its will not go a chase card now even personal

Recon sometimes requires more than 1 shot, if it hasn't been 30 days yet I'd call back and give it my best shot.

I'm not sure I agree, I definitely would've tried.
Title: Re: My next app-o-rama...
Post by: Saver2000 on November 28, 2012, 04:43:22 PM
Congrats!
Did you apply for WN Business Plus or Premier?
Whats the difference between them?
Title: Re: My next app-o-rama...
Post by: Dan on November 28, 2012, 04:45:16 PM
Whats the difference between them?
The annual fee and the annual point bonus.
Title: Re: My next app-o-rama...
Post by: myb821 on November 28, 2012, 04:45:54 PM
The annual fee and the annual point bonus.
and u can earn status miles with the premier
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 28, 2012, 04:55:41 PM
US AIR 50K (https://www.barclaycardus.com/apply/Landing.action?campaignId=1695&cellNumber=21&prodidreq=CCMWC47767&referrerid=gennov12a)

40k after first use
10k after BT
with $89 Annual Fee

Why AF.  There are offer w/o AF

Title: Re: My next app-o-rama...
Post by: Saver2000 on November 28, 2012, 04:57:33 PM
Why AF.  There are offer w/o AF
Link?
Title: Re: My next app-o-rama...
Post by: PETERP on November 28, 2012, 05:40:53 PM
Link?

http://www.mostmiles.com/Chairmans
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 28, 2012, 06:26:34 PM
http://www.mostmiles.com/Chairmans

this link is posted way to many times
http://forums.dansdeals.com/index.php?topic=16706.405
http://forums.dansdeals.com/index.php?topic=18246.msg320387#msg320387
http://forums.dansdeals.com/index.php?topic=21493.msg347808#msg347808
http://forums.dansdeals.com/index.php?topic=21252.msg323287#msg323287
http://forums.dansdeals.com/index.php?topic=8726.msg104051#msg104051
http://forums.dansdeals.com/index.php?topic=5538.msg60511#msg60511

and theres more ::)
Title: Re: My next app-o-rama...
Post by: Cbs on November 28, 2012, 06:35:22 PM
any reason to wait till jan till BA may come out with 100k? or wait for something else coming up?
its been 2 months im getting edgy...
Title: Re: My next app-o-rama...
Post by: Dan on November 28, 2012, 07:22:00 PM
any reason to wait till jan till BA may come out with 100k? or wait for something else coming up?
its been 2 months im getting edgy...
Why not get something else in the meantime?
Title: Re: My next app-o-rama...
Post by: Cbs on November 28, 2012, 07:40:11 PM
Why not get something else in the meantime?
good idea...so, so far ive have with chase

1. SP visa
2. Freedom MC
3. United explorer visa

id like to start collecting some hotel points if theres a worth it card out there.  and maybe also do some Barclays cards - if i can do them together with chase.

i was thinking for the chase cards to go for SW, Airtran, IB, / or swap one out for a hyatt - unless theres a better hotel with BOA (VA)

or please help me choose better ones if im not thinking right.
thanx

Title: Re: My next app-o-rama...
Post by: Dan on November 28, 2012, 07:43:46 PM
You can also do the Sapphire shuffle. 
Or do a business 3BM with any of IB/IP/UA/WN which all give 50K
Title: Re: Re: My next app-o-rama...
Post by: Cbs on November 28, 2012, 08:04:59 PM
You can also do the Sapphire shuffle. 
Or do a business 3BM with any of IB/IP/UA/WN which all give 50K
I tried the sapphire shuffle last time and they told me they didn't take a pull. So if I wanted it I'd have to take another pull.
Title: Re: My next app-o-rama...
Post by: Dan on November 28, 2012, 08:05:45 PM
I tried the sapphire shuffle last time and they told me they didn't take a pull. So if I wanted it I'd have to take another pull.
You should have reconned the same day as the 3bm.
And changed your Visa into a MC already.
Title: Re: My next app-o-rama...
Post by: meshugener on November 28, 2012, 09:01:18 PM
unless theres a better hotel with BOA (VA)


thanx

BofA VA 65k (if you manage to get a code) + HA = 120k HHonors.

my pleasure  ;)
Title: Re: My next app-o-rama...
Post by: daganster on November 28, 2012, 09:32:47 PM
BofA VA 65k (if you manage to get a code) + HA = 120k HHonors.

my pleasure  ;)
Do you have a code?
Title: Re: My next app-o-rama...
Post by: meshugener on November 28, 2012, 09:52:27 PM
Do you have a code?
No.
Title: Re: My next app-o-rama...
Post by: daganster on November 28, 2012, 10:10:10 PM
I'm going for an app-o-rama and could you some advice.

Amex:
 
1) Amex platinum (looking for a 50k link)
2) SPG personal
3) Delta Business 35k
4)Any advice

Citi:
I've had a lot of success churning AA cards, but I think I'll take a break for now so...
1) Hilton reserve
2) TY 50k
Unless someone has a better idea

Barclays:
1) US Airways
2)US Airways
3) NFL($400)

Bofa:
1)35k HA
2)35k HA
3) Need advice

Bump. Close to month ago I downgraded my MB platinum should that give me a problem reapplying? Any other ideas as far as a good platinum promotion or/and other good Amex promos?
Title: Re: My next app-o-rama...
Post by: AsherO on November 29, 2012, 12:47:59 AM
Bump. Close to month ago I downgraded my MB platinum should that give me a problem reapplying? Any other ideas as far as a good platinum promotion or/and other good Amex promos?

Have you seen the new Amex terms (http://forums.dansdeals.com/index.php?topic=19144) thread?
Title: Re: My next app-o-rama...
Post by: eli1571 on November 29, 2012, 09:16:19 AM
gonna do a 3bm, which do u recommend AMEX consumer gold 25k, consumer plat 25k, delta biz 30k, or CHASE ink, bold + classic or cash ?
P.S. the 2 of the CHASE cards r biz cards which dont affect the credit history when closing vs the AMEX which 2 are consumer cuz the biz dont have signup bonus now/
Title: Re: My next app-o-rama...
Post by: YankyDoodle on November 29, 2012, 09:31:32 AM
You should have reconned the same day as the 3bm.
And changed your Visa into a MC already.

You would recon the same day as you submit the 3BM? Last time I tried to shuffle sapphire's they told me they did not pull my credit bec. I already had a sapphire (even though mine was Visa and I applied for MC), they said if I wanted to open the new card they ould have to close my old one and repull my credit.
Title: Re: My next app-o-rama...
Post by: Redbull3 on November 29, 2012, 09:48:10 AM
You can also do the Sapphire shuffle. 
Or do a business 3BM with any of IB/IP/UA/WN which all give 50K
Are the IB and IP the only chase biz cards that give UR? Thanks.
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 29, 2012, 09:49:32 AM
Are the IB and IP the only chase biz cards that give UR? Thanks.

yes but UA Milage + & UA club have biz
Title: Re: My next app-o-rama...
Post by: Redbull3 on November 29, 2012, 09:52:02 AM
yes but UA Milage + & UA club have biz

Thanks! And unlike Amex which has 1 pull for personal + business, if I did sapphire + IB + freedom/IP it would be 2 pulls right?
Just trying to put everything together and get a final confirmation on what I've been reading from various threads for weeks.
Title: Re: My next app-o-rama...
Post by: MEIR613 on November 29, 2012, 09:56:54 AM
Thanks! And unlike Amex which has 1 pull for personal + business, if I did sapphire + IB + freedom/IP it would be 2 pulls right?
Just trying to put everything together and get a final confirmation on what I've been reading from various threads for weeks.

Correct again
Title: Re: My next app-o-rama...
Post by: Shmelly on November 29, 2012, 10:24:16 AM
You would recon the same day as you submit the 3BM? Last time I tried to shuffle sapphire's they told me they did not pull my credit bec. I already had a sapphire (even though mine was Visa and I applied for MC), they said if I wanted to open the new card they ould have to close my old one and repull my credit.
I had the exact same experience, but Dan posted upthread (or perhaps in the other AOR thread) that this is the method he uses.
Title: Re: My next app-o-rama...
Post by: myb821 on November 29, 2012, 10:25:22 AM
I had the exact same experience, but Dan posted upthread (or perhaps in the other AOR thread) that this is the method he uses.
that is why dan said do it all on same day bc if u recon the same day as the original pulls even if they pull again it should still all only count as one pull as long as its on the same day
Title: Re: My next app-o-rama...
Post by: Shmelly on November 29, 2012, 10:27:30 AM
that is why dan said do it all on same day bc if u recon the same day as the original pulls even if they pull again it should still all only count as one pull as long as its on the same day
AHA! There it is.
Title: Re: My next app-o-rama...
Post by: Dan on November 29, 2012, 11:44:41 AM
Are the IB and IP the only chase biz cards that give UR? Thanks.
The IC cards also give UR.
http://www.dansdeals.com/archives/25626

that is why dan said do it all on same day bc if u recon the same day as the original pulls even if they pull again it should still all only count as one pull as long as its on the same day
Yup.
Title: Re: My next app-o-rama...
Post by: mow on December 02, 2012, 01:36:10 AM
need idea for 4 bm amex
spg personal
spg business
premier rewards gold personal 25 k points
????? want a lot of points
Title: Re: My next app-o-rama...
Post by: Saver2000 on December 02, 2012, 01:39:03 AM
need idea for 4 bm amex
spg personal
spg business
premier rewards gold personal 25 k points
????? want a lot of points
Didn't you just do a citi card yesterday? You may want to wait a little bit before doing this 4bm.
For next time, its best if you apply with all the different banks on the same day.
Title: Re: My next app-o-rama...
Post by: mow on December 02, 2012, 01:39:43 AM
oh ok thanks how long to wait
Title: Re: My next app-o-rama...
Post by: MEIR613 on December 02, 2012, 01:53:49 AM
Didn't you just do a citi card yesterday? You may want to wait a little bit before doing this 4bm.
For next time, its best if you apply with all the different banks on the same days.

why does it make a difference? as long as the new accounts dont show up he should be fine.
Title: Re: My next app-o-rama...
Post by: Saver2000 on December 02, 2012, 02:18:30 AM
why does it make a difference? as long as the new accounts dont show up he should be fine.
Its the inquiries that matter.

In most cases new accounts have a positive impact on your score. 
It makes the utilization ratio go down.

The negatives are that your average age of accounts will drop, and your available credit/income ratio will go up.

Title: Re: My next app-o-rama...
Post by: MEIR613 on December 02, 2012, 02:26:38 AM
Its the inquiries that matter.

In most cases new accounts have a positive impact on your score. 
It makes the utilization ratio go down.

The negatives are that your average age of accounts will drop, and your available credit/income ratio will go up.

1)But if you do a 3bm for amex then right after for citi. citi sees the pull from amex so theres no way to avoid that. CMIIAW

2)A lot of us here arent getting to new credit as much rather transfering credit or closing accounts down which would cause a greater negative impact (short term) then available credit.
Title: Re: My next app-o-rama...
Post by: Saver2000 on December 02, 2012, 02:41:00 AM
1)But if you do a 3bm for amex then right after for citi. citi sees the pull from amex so theres no way to avoid that. CMIIAW

2)A lot of us here arent getting to new credit as much rather transfering credit or closing accounts down which would cause a greater negative impact (short term) then available credit.
1) I'm not sure about that. The whole idea of an 'app-o-rama' is that supposedly they don't see each others pulls.

2) A closed account stays on your report for 10 years. I don't see how it would affect you negatively unless you close your oldest card and/or unless your are opening dozens of new cc's that'll really bring down your average.

Title: Re: My next app-o-rama...
Post by: MEIR613 on December 02, 2012, 09:58:30 AM
1) I'm not sure about that. The whole idea of an 'app-o-rama' is that supposedly they don't see each others pulls.

2) A closed account stays on your report for 10 years. I don't see how it would affect you negatively unless you close your oldest card and/or unless your are opening dozens of new cc's that'll really bring down your average.

1) I can't tell you for sure but it seems to me since right after an app it shows on your CR the pull. I would assume (I know never assume) that the next app can see it too but again CMIIAW.

2)The fact the closed accounts stay on your report has nothing to do that when you open a new account it lowers your ratio of older accounts. Therefore if you open account and don't get any new credit it will definitely decrease your score for a little and after a couple of months it will go back(icrease even more than before) since you have your old account plus the newer one.

Title: Re: My next app-o-rama...
Post by: Saver2000 on December 02, 2012, 10:23:24 AM
2)The fact the closed accounts stay on your report has nothing to do that when you open a new account it lowers your ratio of older accounts. Therefore if you open account and don't get any new credit it will definitely decrease your score for a little and after a couple of months it will go back(icrease even more than before) since you have your old account plus the newer one.
It goes by average age of accounts - not average age of CL's.
Title: Re: My next app-o-rama...
Post by: MEIR613 on December 02, 2012, 10:38:01 AM
It goes by average age of accounts - not average age of CL's.

thats exactly what i said

2)The fact the closed accounts stay on your report has nothing to do that when you open a new account it lowers your ratio of older accounts. Therefore if you open account and don't get any new credit it will definitely decrease your score for a little and after a couple of months it will go back(icrease even more than before) since you have your old account plus the newer one.


Title: Re: My next app-o-rama...
Post by: myb821 on December 04, 2012, 07:54:02 PM
how long does it usually take to get chase biz cards. I was approved on Wednesday last week and still no cards they are not in my online account and i havent received the cards
Title: Re: My next app-o-rama...
Post by: AJK on December 04, 2012, 08:20:57 PM
how long does it usually take to get chase biz cards. I was approved on Wednesday last week and still no cards they are not in my online account and i havent received the cards

+1
Title: Re: My next app-o-rama...
Post by: Dan on December 04, 2012, 11:06:59 PM
Up to 2 weeks.
Title: Re: My next app-o-rama...
Post by: myb821 on December 04, 2012, 11:07:33 PM
Up to 2 weeks.
thanks
Title: Re: My next app-o-rama...
Post by: Shmelly on December 05, 2012, 01:06:41 PM
2 personal apps + 2 biz apps in one Chase AOR. I think I've read reports that people have done it, but just looking for any additional guidance from anyone who has experience in one. Thanks.
Title: Re: My next app-o-rama...
Post by: Red on December 05, 2012, 03:14:34 PM
I'm looking for some advice to finish up this AOR. Thanks.

Chase
UA
SP
SW

Citi I already have AA so:
1) Citi Forward (30k TY (http://www.flyertalk.com/forum/19737358-post1.html))
2) ??

Barclay
NFL $400 (Is there a chance of getting it if I just closed one?)
US Airways

Amex
SPG (I might be under FR so I'm just testing the waters)
Title: Re: My next app-o-rama...
Post by: Redbull3 on December 05, 2012, 03:17:11 PM
I'm looking for some advice to finish up this AOR. Thanks.

Chase
UA
SP
SW

Citi I already have AA so:
1) Citi Forward (30k TY (http://www.flyertalk.com/forum/19737358-post1.html))
2) ??

Barclay
NFL $400 (Is there a chance of getting it if I just closed one?)
US Airways

Amex
SPG (I might be under FR so I'm just testing the waters)


If you are doing citi forward 30k for thank you points why not also do preferred for 40k (no fee) or premier 50k (fee waived for first year)
- I would recommend the premier being pared with the forward because it makes your points worth 1.3 when redeeming for travel as opposed to 1.0
Title: Re: My next app-o-rama...
Post by: AJK on December 05, 2012, 03:18:06 PM
You "might" be under f/r? That's like being held pregnant - not possible. Either you are or you aren't.

FYI - applied for NFL $400 within last week or 2 and was denied "because the offer has expired."
Title: Re: My next app-o-rama...
Post by: Red on December 05, 2012, 03:29:10 PM

If you are doing citi forward 30k for thank you points why not also do preferred for 40k (no fee) or premier 50k (fee waived for first year)
- I would recommend the premier being pared with the forward because it makes your points worth 1.3 when redeeming for travel as opposed to 1.0
Do you know of an active link for the premier 50k (besides business)? I thought of doing the preferred but I might not be able to make the spend.

You "might" be under f/r? That's like being held pregnant - not possible. Either you are or you aren't.

FYI - applied for NFL $400 within last week or 2 and was denied "because the offer has expired."
The reason I think I "might" be is because I "moved" into a household that was shut down about 5 years ago and has had no luck getting back in.
About the NFL, do you know which link you used? It's being claimed that the famous link got shut down but not the others.
Title: Re: My next app-o-rama...
Post by: Redbull3 on December 05, 2012, 03:34:09 PM
Do you know of an active link for the premier 50k (besides business)? I thought of doing the preferred but I might not be able to make the spend.

Hmm I don't. BTW not sure the 30K for the forward is active speaking of active links.
Title: Re: My next app-o-rama...
Post by: Red on December 05, 2012, 03:36:38 PM
Hmm I don't. BTW not sure the 30K for the forward is active speaking of active links.
https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&app_COL=COLLEGE&sc=46EZBU21&ProspectID=9DB3129DE76B422C8F9FCDE6DE0C088D&sc_COL=4CECNV61&m=701Z000000W&langId=EN&siteId=CB&B=V&screenID=3124&uc=B2
Title: Re: My next app-o-rama...
Post by: AJK on December 05, 2012, 03:47:04 PM
Do you know of an active link for the premier 50k (besides business)? I thought of doing the preferred but I might not be able to make the spend.
The reason I think I "might" be is because I "moved" into a household that was shut down about 5 years ago and has had no luck getting back in.
About the NFL, do you know which link you used? It's being claimed that the famous link got shut down but not the others.

The bills link in the NFL thread
Title: Re: My next app-o-rama...
Post by: aj26 on December 05, 2012, 04:27:30 PM
Bills link doesn't work- got denied because "offer no longer available- no credit report used in making this decision"
Title: Re: My next app-o-rama...
Post by: Red on December 05, 2012, 05:00:38 PM
I applied using first the steelers link, but for some reason it shows up as pending by app status and as the bills card. I then reapplied with the cowboys link and was declined because of the above mentioned reason.
Title: Re: My next app-o-rama...
Post by: aj26 on December 05, 2012, 05:12:40 PM
I thinki its officially dead
Title: Re: My next app-o-rama...
Post by: Shmelly on December 05, 2012, 05:19:49 PM
I then reapplied with the cowboys link and was declined because of the above mentioned reason.
You didn't win with the Cowboys? Color me shocked.
Title: Re: My next app-o-rama...
Post by: Red on December 05, 2012, 05:43:57 PM
Chase
UA - approved via recon
SP - declined- waiting for payment to post to close my old SP
SW - approved after verification

Citi I already have AA so:
Citi Forward (30k TY) - approved
Citi Preferred TY - approved

Barclay
NFL $400 - See above + reapplied for 20k offer - approved
US Airways - approved

Amex
SPG - approved

Any ideas for additional cards to try?
Title: Re: My next app-o-rama...
Post by: miles on December 05, 2012, 09:37:35 PM
Chase
UA - approved via recon
SP - declined- waiting for payment to post to close my old SP
SW - approved after verification

Citi I already have AA so:
Citi Forward (30k TY) - approved
Citi Preferred TY - approved

Barclay
NFL $400 - See above + reapplied for 20k offer - approved
US Airways - approved

Amex
SPG - approved

Any ideas for additional cards to try?
for chase u gave them app id

NFL $400 - See above + reapplied for 20k offer - approved
for 3 cards ?
Title: Re: My next app-o-rama...
Post by: Red on December 06, 2012, 05:21:23 AM
for chase u gave them app id

NFL $400 - See above + reapplied for 20k offer - approved
for 3 cards ?
I used to try taking the app id out of the app page but that never seemed to work for me. I just call up and say I applied for a few cards and I just want the ref. numbers, after I get them I say thank you and hang up, and then HUCA.

I got declined on all the $400 apps and I don't even think a pull was done, I reapplied later with a $200 link and that one was approved instantly.
Title: Re: My next app-o-rama...
Post by: Shmelly on December 06, 2012, 10:40:02 AM
2 personal apps + 2 biz apps in one Chase AOR. I think know I've read reports that people have done it, but just looking for any additional guidance from anyone who has experience in one. Thanks.
Bump.
Title: Re: My next app-o-rama...
Post by: tll on December 06, 2012, 10:59:07 AM
I applied using 3BM for 3 chase business chase ink, chase bold, united.
I got denied all three two many applications
Then I applied for SW personal.
Chase business called me to ask why I applied for so many cards.
I explained my business and said how I had two groups and needed 2 business cards to keep expenses separate and one for expenses that cross. After asking me 100 questions regarding gross and net for the past 3 years(which I made up) they approved one and then transferred credit from another card and approved it. Would not approve a third business . Personal I need to wait still being looked into.
Has anyone had Chase call them? Should I be concerned?
Title: Re: My next app-o-rama...
Post by: Yossi. on December 06, 2012, 11:00:51 AM
You can also do the Sapphire shuffle. 
I read through the thread and I m wondering about this one... If I call and change my SPV to SPMC and then apply to a Visa the same day, when I call recon and tell them I need a visa instead of a MC for stores limitation for example... Aren't they going to see that I just switched a few hours earlier from a Visa to an MC? Have you tried more than once to do that or for anyone else? Also if I play this game now, do I risk to lose my 7% February bonus?
Title: Re: My next app-o-rama...
Post by: YankyDoodle on December 06, 2012, 11:02:56 AM
I applied using 3BM for 3 chase business chase ink, chase bold, united.
I got denied all three two many applications
Then I applied for SW personal.
Chase business called me to ask why I applied for so many cards.
I explained my business and said how I had two groups and needed 2 business cards to keep expenses separate and one for expenses that cross. After asking me 100 questions regarding gross and net for the past 3 years(which I made up) they approved one and then transferred credit from another card and approved it. Would not approve a third business . Personal I need to wait still being looked into.
Has anyone had Chase call them? Should I be concerned?

No reason for concern. It is very routine IME for business cards.
Title: Re: My next app-o-rama...
Post by: tll on December 06, 2012, 01:37:38 PM
Should I try for the third denied card with another rep?
Title: Re: My next app-o-rama...
Post by: mmermss on December 06, 2012, 01:46:22 PM
Should I try for the third denied card with another rep?
It's usually best to speak to a new rep for each card
Title: Re: My next app-o-rama...
Post by: Mimi K. on December 06, 2012, 07:43:22 PM
where can I find a list of cards Chase Amex Citi NOT included
I'm trying to apply for some cards for someone with a stinky collection on their Experian
Title: Re: My next app-o-rama...
Post by: AsherO on December 07, 2012, 12:18:54 AM
Ok, time for another round (it's been 90 days (http://forums.dansdeals.com/index.php?topic=16024.msg300392#msg300392)), gotta step my game up :)

Here's the lineup, what'dya think:

Amex 3BM, will probably do same as last time, this time I hope to have better luck dodging the F/R demons:

SPG
Amex Plat 50k
Amex MB 50k

Chase:

Just did a successful 3BM 90 days ago, take the plunge again? If yes, which cards should I go for?

I currently have  10 cards: SPV, SPMC, Freedom, Hyatt, SW, Marriott, UA, Ink Bold, Ink something (?), Ink 1/2/5. The only cards I can close are Hyatt ($500 CL) and SW ($1k CL). I can only close the SW and Hyatt, what do you think?

Citi:
Hilton Reserve (x2 in a 2BM?)
Something else? (just did AA 3 months ago, so that's a no go...)

US Bank:
Club Carlson (http://forums.dansdeals.com/index.php?topic=22614) 2/3BM - Should I waste an EX pull on this?

Anything obvious I'm missing out on?

P.s. One other thing I've got going for me is that some of my cards were maxxed out in the past day or two, but hasn't hit my credit yet, think I"ll have a problem applying with those issuers?
Title: Re: My next app-o-rama...
Post by: Ergel on December 07, 2012, 12:24:34 AM
without credit line leverage and that many chase cards I doubt you getting approved for more chase cards. Can you transfer some CL to Hyatt or SW? Then they can be used as leverage to get new cards approved
Title: Re: My next app-o-rama...
Post by: meshugener on December 07, 2012, 01:36:33 AM
1) Amex - consider the likelihood of not getting the bonus for the personal Plat. But could be worth for another 2X $200 (assuming you can do one DL EC round before year-end) if you don't have any better Amex option.

2) Chase - UA Biz -30k match to 50k.

Good luck!
Title: Re: My next app-o-rama...
Post by: Moishebatchy on December 07, 2012, 03:25:27 AM
Dunno about your next AOR, but I miss the EmotiFarbi. :'(
Title: My next app-o-rama...
Post by: MEIR613 on December 07, 2012, 06:53:48 AM
You have a plat 50k linky?

Title: Re: My next app-o-rama...
Post by: Shmulyg on December 07, 2012, 08:20:33 AM
Has anyone had Chase call them? Should I be concerned?
Yes, I've had them call me for a business app. No need for concern.
Title: Re: My next app-o-rama...
Post by: sky121 on December 07, 2012, 08:44:42 AM
Applied for 2 Amex cards 2 days ago. It told me to call in on both. The rep said because I did two they weren't sure they were both valid and pushed them to both be processed. It's been 2 days and the status still shows in progress.

Call? Wait?
Title: Re: My next app-o-rama...
Post by: AJK on December 07, 2012, 09:35:58 AM
Applied for 2 Amex cards 2 days ago. It told me to call in on both. The rep said because I did two they weren't sure they were both valid and pushed them to both be processed. It's been 2 days and the status still shows in progress.

Call? Wait?

Patience, young child, patience.
Title: Re: My next app-o-rama...
Post by: Ergel on December 07, 2012, 09:40:22 AM
+1
Title: Re: My next app-o-rama...
Post by: tll on December 07, 2012, 09:41:43 AM
AsherO-
when you do the new applications and have to call recon, how do you explain why you opened 90 days ago all these cards have them open and now want to open again.
And if you closed them- why do you keep opening and closing the same accounts?

Citi AA- how often can you churn?Do I need to first close them or can I apply when they are still open
Title: Re: Re: My next app-o-rama...
Post by: sky121 on December 07, 2012, 10:03:00 AM
Patience, young child, patience.

With Chase I always call right away but with Amex I've never had to wait before.


Thanks.
Title: Re: My next app-o-rama...
Post by: Hank on December 07, 2012, 11:33:23 AM
Ok, time for another round (it's been 90 days (http://forums.dansdeals.com/index.php?topic=16024.msg300392#msg300392)), gotta step my game up :)

Here's the lineup, what'dya think:

Amex 3BM, will probably do same as last time, this time I hope to have better luck dodging the F/R demons:

SPG
Amex Plat 50k
Amex MB 50k

Chase:

Just did a successful 3BM 90 days ago, take the plunge again? If yes, which cards should I go for?

I currently have  10 cards: SPV, SPMC, Freedom, Hyatt, SW, Marriott, UA, Ink Bold, Ink something (?), Ink 1/2/5. The only cards I can close are Hyatt ($500 CL) and SW ($1k CL). I can only close the SW and Hyatt, what do you think?

Citi:
Hilton Reserve (x2 in a 2BM?)
Something else? (just did AA 3 months ago, so that's a no go...)

US Bank:
Club Carlson (http://forums.dansdeals.com/index.php?topic=22614) 2/3BM - Should I waste an EX pull on this?

Anything obvious I'm missing out on?

P.s. One other thing I've got going for me is that some of my cards were maxxed out in the past day or two, but hasn't hit my credit yet, think I"ll have a problem applying with those issuers?

Don't waste your time (and pull) on Club Carlson card, every regular churner I know has been denied so far.

I can personally confirm that 2x Hilton Reserve in a 2BM works just fine, expect to make the usual phone call saying you meant to apply for 2.  The 50k TYP business card would be a different citi option.

In my experience applying for new cards when you are near your max credit line on other cards causes issues with that bank (even if it hasn't hit your CR yet).  If those cards are from Chase perhaps take a breather from them this round?  You've been working them pretty hard.

Good luck!
Title: My next app-o-rama...
Post by: MEIR613 on December 09, 2012, 09:53:04 AM
I think I am set for my next bach

First time with amex. Hoping to get both bonuses.

Amex
Mb plat
Spg
Reg plat (25k) anyone know a active 50k linky?

Citi
AA amex
AA visa

Barclays
Us air
Us air

BOA
HA X 2

Just did some chase a month ago. Any last minute comments or suggestions?
Title: Re: My next app-o-rama...
Post by: PETERP on December 09, 2012, 10:20:06 AM
I think I am set for my next bach

First time with amex. Hoping to get both bonuses.

Amex
Mb plat
Spg
Reg plat (25k) anyone know a active 50k linky?

Citi
AA amex
AA visa

Barclays
Us air
Us air

BOA
HA X 2

Just did some chase a month ago. Any last minute comments or suggestions?


FYI  Just a note with Barclays US Air. My second app was denied /blocked and told not to apply again.
I think the right way to proceed has been mentioned here , and is to disregard message and apply again immediately.
Good luck with Barclays and post back  :)
Title: Re: My next app-o-rama...
Post by: MEIR613 on December 09, 2012, 10:21:26 AM

FYI  Just a note with Barclays US Air. My second app was denied /blocked and told not to apply again.
I think the right way to proceed has been mentioned here , and is to disregard message and apply again immediately.
Good luck with Barclays and post back  :)
I know I just did it for my friend
Title: Re: My next app-o-rama...
Post by: PETERP on December 09, 2012, 10:33:24 AM
I know I just did it for my friend

Great  :)
Title: Re: My next app-o-rama...
Post by: miles on December 09, 2012, 01:34:54 PM
Ok, time for another round (it's been 90 days (http://forums.dansdeals.com/index.php?topic=16024.msg300392#msg300392)), gotta step my game up :)

Here's the lineup, what'dya think:

Amex 3BM, will probably do same as last time, this time I hope to have better luck dodging the F/R demons:

SPG
Amex Plat 50k
Amex MB 50k

Chase:

Just did a successful 3BM 90 days ago, take the plunge again? If yes, which cards should I go for?

I currently have  10 cards: SPV, SPMC, Freedom, Hyatt, SW, Marriott, UA, Ink Bold, Ink something (?), Ink 1/2/5. The only cards I can close are Hyatt ($500 CL) and SW ($1k CL). I can only close the SW and Hyatt, what do you think?

Citi:
Hilton Reserve (x2 in a 2BM?)
Something else? (just did AA 3 months ago, so that's a no go...)

US Bank:
Club Carlson (http://forums.dansdeals.com/index.php?topic=22614) 2/3BM - Should I waste an EX pull on this?

Anything obvious I'm missing out on?

P.s. One other thing I've got going for me is that some of my cards were maxxed out in the past day or two, but hasn't hit my credit yet, think I"ll have a problem applying with those issuers?

drop chase for now
Title: Re: My next app-o-rama...
Post by: smart brit on December 11, 2012, 08:32:25 PM
Did a 3bm with chase tonight
The ba card
Ink bold
United business.
So in total 2 business cards and 1 consumer card. I hope it's only 1 pull.
The interesting part is that on all 3 I didn't get an instant answer.
Title: Re: My next app-o-rama...
Post by: PETERP on December 12, 2012, 04:38:38 AM
Did a 3bm with chase tonight
The ba card
Ink bold
United business.
So in total 2 business cards and 1 consumer card. I hope it's only 1 pull.
The interesting part is that on all 3 I didn't get an instant answer.

You will most likely get 2 pulls . One for personal and one for Biz . Get on the phones and get cards approved one by one .

 Start with INK BOLD Imo points worth the most and its prolly the best offer . Explain you have spends you need to make and want to give Chase the business. LOL In more was than one  :)
Title: Re: My next app-o-rama...
Post by: miles on December 12, 2012, 10:02:30 AM
Here wht i applied for my brother
He is new for credit cards his first card was the PLT 100k offer back in 2011 and now he only have one UA chase card with 1k CL


Amex :
Amex Plat Biz 1000k - Approved By phone
Amex Delta Gold 50k (Declined cuz its was private offer)

Citi 2BM: and 1B
AA 50k Visa - Instantly approved $7000 CL
AA 50k Amex - (Declined) 
AA visa biz 50k Approved By phone $7000 CL

Barclays 2BM:
50k US Airways - Instantly approved - $5000 CL
35k US Airways Biz (Declined)


Summary:

4/7 approved so far ka"h,
update i change the US Airways to 40k w/o AF
Title: Re: My next app-o-rama...
Post by: smart brit on December 12, 2012, 10:07:23 AM
You will most likely get 2 pulls . One for personal and one for Biz . Get on the phones and get cards approved one by one .

 Start with INK BOLD Imo points worth the most and its prolly the best offer . Explain you have spends you need to make and want to give Chase the business. LOL In more was than one  :)
thanks. Do you suggest I should get on the phone before I received a letter from them?
Title: Re: My next app-o-rama...
Post by: aj26 on December 12, 2012, 10:12:26 AM
Looking for a 3rd amex-
50K Platinum Vanilla
SPG personal
??Any ideas- should I just go with a gold??
Title: Re: My next app-o-rama...
Post by: mmermss on December 12, 2012, 10:25:57 AM
Looking for a 3rd amex-
50K Platinum Vanilla
SPG personal
??Any ideas- should I just go with a gold??
SPG business?
Title: Re: My next app-o-rama...
Post by: PETERP on December 12, 2012, 10:35:38 AM
thanks. Do you suggest I should get on the phone before I received a letter from them?

I always get on the phone with them . Actually right after finishing my apps . Why wait especially
if card has spends to meet , and the clock is ticking ?
Title: Re: My next app-o-rama...
Post by: Shmelly on December 12, 2012, 10:47:11 AM
Planning a small AOR on Sunday, let me know your thoughts or advice.

Chase
Ink Bold 50K
Ink Plus 50K
SP (will require an immediate call to recon to cancel my WMC)
United 30K, hoping for match to 55K + $50

Amex
SPG Biz 25K

That's already $19K that I'll need to spend, in addition to the $3K I'm still working on from my last AOR, so I really can't do more than this right now. Should I just stick to the Chase 4 and drop the Amex for use at a later time?
Title: Re: My next app-o-rama...
Post by: AJK on December 12, 2012, 10:51:38 AM
...or wait until you finish the last AOR's spend and beef up the current one.
Title: Re: My next app-o-rama...
Post by: Shmelly on December 12, 2012, 11:29:21 AM
I need to do the AOR now, as my SP MC got hit with the annual fee on 11/1.
Title: Re: My next app-o-rama...
Post by: AJK on December 12, 2012, 11:38:32 AM
I need to do the AOR now, as my SP MC got hit with the annual fee on 11/1.

Downgrade.
Title: Re: My next app-o-rama...
Post by: PETERP on December 12, 2012, 11:48:01 AM
Downgrade.

Excuse me for jumping in but have same problem on SP plus another Chase card  . Downgrade to what ? From wifes SP and and Marriot?
Title: Re: My next app-o-rama...
Post by: sruly101 on December 12, 2012, 12:04:19 PM
Planning a small AOR on Sunday, let me know your thoughts or advice.

Chase
Ink Bold 50K
Ink Plus 50K
SP (will require an immediate call to recon to cancel my WMC)
United 30K, hoping for match to 55K + $50

Amex
SPG Biz 25K
That's already $19K that I'll need to spend, in addition to the $3K I'm still working on from my last AOR, so I really can't do more than this right now. Should I just stick to the Chase 4 and drop the Amex for use at a later time?
Well ur not saying that u can do all this on 1 pull, right?
Title: Re: My next app-o-rama...
Post by: AJK on December 12, 2012, 12:08:41 PM
Impossible.
Title: Re: My next app-o-rama...
Post by: Shmelly on December 12, 2012, 12:28:12 PM
Well ur not saying that u can do all this on 1 pull, right?
I was hoping for 2 pulls from Chase (1 personal 1 biz) and 1 Amex.
Title: Re: My next app-o-rama...
Post by: sruly101 on December 12, 2012, 12:29:22 PM
I was hoping for 2 pulls from Chase (1 personal 1 biz) and 1 Amex.
But is there any chance in the world to get all approved??
Title: Re: My next app-o-rama...
Post by: Shmelly on December 12, 2012, 12:30:39 PM
I don't have any experience with 4 Chases at once, but I've had as many as 11 cards approved in 1 AOR.
Title: Re: My next app-o-rama...
Post by: mmermss on December 12, 2012, 12:37:35 PM
But is there any chance in the world to get all approved??
Yes. With good credit and enough leverage a lot is possible.
Title: Re: My next app-o-rama...
Post by: mow on December 12, 2012, 02:36:49 PM

Quote from: mow on December 02, 2012, 01:36:10 am
need idea for 4 bm amex
spg personal
spg business
premier rewards gold personal 25 k points
?? want a lot of points



Didn't you just do a citi card yesterday? You may want to wait a little bit before doing this 4bm.
For next time, its best if you apply with all the different banks on the same day.

Did it any ways
spg personal                                 Pending  ( they thought it was mistake as 2 at once , what should I do call them ? )
spg business.                               Approved
premier rewards gold personal.      Approved
Premier reward gold business.       Approved
Title: Re: My next app-o-rama...
Post by: sruly101 on December 12, 2012, 02:42:30 PM
Quote from: mow on December 02, 2012, 01:36:10 am
need idea for 4 bm amex
spg personal
spg business
premier rewards gold personal 25 k points
?? want a lot of points



Did it any ways
spg personal                                 Pending  ( they thought it was mistake as 2 at once , what should I do call them ? )
spg business.                               Approved
premier rewards gold personal.      Approved
Premier reward gold business.       Approved
wow congrat!! whats ur score?
Title: Re: My next app-o-rama...
Post by: mow on December 12, 2012, 02:50:29 PM
wow congrat!! whats ur score?
750 on experian (wife's )
Title: Re: My next app-o-rama...
Post by: smart brit on December 12, 2012, 06:14:24 PM
You will most likely get 2 pulls . One for personal and one for Biz . Get on the phones and get cards approved one by one .

 Start with INK BOLD Imo points worth the most and its prolly the best offer . Explain you have spends you need to make and want to give Chase the business. LOL In more was than one  :)
thanks I called them and they approved both business cards on the same phone call with a 5k limit on each.
Time to call about the ba card.
Title: Re: My next app-o-rama...
Post by: aj26 on December 12, 2012, 06:23:03 PM
Based on new terms, can i do a personal platinum and gold card,
i'm a little worried to do a biz since I've been fr'd before- passed with flying colors- but don't have a  legit biz on tax returns
Title: Re: My next app-o-rama...
Post by: yehuda S on December 21, 2012, 01:22:24 AM
Just applied for three Chase cards (Bold, Plus, Sapphire) and 2 Citi AA. Decision pending - receive by mail - on every one   :(  That never happened before.. What does it mean?
Title: Re: My next app-o-rama...
Post by: Shmelly on December 21, 2012, 09:56:02 AM
Just applied for three Chase cards (Bold, Plus, Sapphire) and 2 Citi AA. Decision pending - receive by mail - on every one   :(  That never happened before.. What does it mean?
Definitely call in on the 2 Inks, biz cards require more info. Try to do it on 1 call, explain that you need both for your business - 1 for bills you intend on paying in full and 1 for charges that you intend to carry.
Title: Re: My next app-o-rama...
Post by: yehuda S on December 21, 2012, 10:02:10 AM
Definitely call in on the 2 Inks, biz cards require more info. Try to do it on 1 call, explain that you need both for your business - 1 for bills you intend on paying in full and 1 for charges that you intend to carry.

I wish I had known that! I gave different revenue/years in business info thinking I would say its for two different businesses. Can I revise?
Title: Re: My next app-o-rama...
Post by: yehuda S on December 21, 2012, 11:38:57 AM
I wish I had known that! I gave different revenue/years in business info thinking I would say its for two different businesses. Can I revise?

Bump.

Someone with experience pls weigh in here.
Title: Re: My next app-o-rama...
Post by: yehuda S on December 21, 2012, 03:45:33 PM
I called them. They were only willing to approve one business card due to low revenues  >:(
Title: Re: My next app-o-rama...
Post by: Moishebatchy on December 22, 2012, 11:57:05 AM
I called them. They were only willing to approve one business card due to low revenues  >:(

HUCA.
Title: Re: My next app-o-rama...
Post by: yehuda S on December 22, 2012, 06:50:50 PM
Any ideas on what arguments to make?
Title: Re: My next app-o-rama...
Post by: rots5 on December 22, 2012, 06:53:17 PM
I need em both for work purposes
Title: Re: My next app-o-rama...
Post by: yehuda S on December 22, 2012, 07:24:59 PM
I need em both for work purposes

Sounds convincing, lol
Title: Re: My next app-o-rama...
Post by: rots5 on December 22, 2012, 07:34:04 PM
Sounds convincing, lol

It sounds to me :-)
Title: Re: My next app-o-rama...
Post by: yehuda S on December 24, 2012, 12:09:03 PM
I need em both for work purposes

Approved for all three!!!  ;D WooHoo!

How the heck am I going to spend $13,000 in three months?
Title: Re: My next app-o-rama...
Post by: mmermss on December 24, 2012, 12:12:20 PM
Approved for all three!!!  ;D WooHoo!

How the heck am I going to spend $13,000 in three months?
Congrats!
All you said is you need them both for work purposes?
Title: Re: My next app-o-rama...
Post by: yehuda S on December 24, 2012, 12:33:18 PM
Congrats!
All you said is you need them both for work purposes?

Well first I schmoozed with him about tomorrows snowstorm for a bit. Then I said (HT Shmelly) that I wanted one for charges to carry over and one for charges to pay in full. I offered to split credit lines, move over personal credit, close personal cards etc. He asked about my work and how much I intend to spend a month and then He just approved me for a new credit line.
Title: Re: My next app-o-rama...
Post by: sruly101 on December 24, 2012, 12:34:20 PM
Well first I schmoozed with him about tomorrows snowstorm for a bit. Then I said (HT Shmelly) that I wanted one for charges to carry over and one for charges to pay in full. I offered to split credit lines, move over personal credit, close personal cards etc. He asked about my work and how much I intend to spend a month and then He just approved me for a new credit line.
WOW!! nice!
Title: Re: My next app-o-rama...
Post by: rots5 on December 24, 2012, 01:07:43 PM
Well first I schmoozed with him about tomorrows snowstorm for a bit. Then I said (HT Shmelly) that I wanted one for charges to carry over and one for charges to pay in full. I offered to split credit lines, move over personal credit, close personal cards etc. He asked about my work and how much I intend to spend a month and then He just approved me for a new credit line.

nice   mazol tov and kol hakavode
Title: Re: My next app-o-rama...
Post by: mow on December 24, 2012, 11:37:05 PM
Quote from: mow on December 02, 2012, 01:36:10 am
need idea for 4 bm amex
spg personal
spg business
premier rewards gold personal 25 k points
?? want a lot of points



Did it any ways
spg personal                                 Pending  ( they thought it was mistake as 2 at once , what should I do call them ? )
spg business.                               Approved
premier rewards gold personal.      Approved
Premier reward gold business.       Approved

got approved for the fourth but it looks like i got 2 credit pulls
1 for the first 3 on 12/6
1 for the fourth on 12/12
anything i can do or just my loss
Title: Re: My next app-o-rama...
Post by: mow on December 27, 2012, 02:45:31 PM
want to do amex 4bm for 1 business with as much points as possible
i only want charge cards
can i do 4 platinum or no way they would approve that
i need suggestions
want to do it today
Title: Re: My next app-o-rama...
Post by: rots5 on December 27, 2012, 07:17:30 PM
just did a 2 bm on plat 100k and gold 50k  targeted and got approved
Title: Re: My next app-o-rama...
Post by: Shmelly on December 27, 2012, 08:18:59 PM
None of these reports are of AORs, they are 2/3/4BMs.
Title: Re: My next app-o-rama...
Post by: yitzf on December 27, 2012, 11:06:36 PM
just did a 2 bm on plat 100k and gold 50k  targeted and got approved
Can you get both bonuses with the new Amex rules?
Title: Re: My next app-o-rama...
Post by: rots5 on December 28, 2012, 02:35:19 AM
Can you get both bonuses with the new Amex rules?

y not? i think its the platt and MB
Title: Re: My next app-o-rama...
Post by: yehuda S on December 28, 2012, 09:47:41 AM
When I applied for the chase cards  I was denied a sapphire because I already had one and the business card because I wanted two. The business card denial letter said they pulled my info from Experian. When they sent me a letter saying they had approved a sapphire switch from MC to VISA the letter said the info was from TransUnion.

Does this indicate that the 3BM did not work?   
Title: Re: My next app-o-rama...
Post by: Redbull3 on December 28, 2012, 10:00:41 AM
When I applied for the chase cards  I was denied a sapphire because I already had one and the business card because I wanted two. The business card denial letter said they pulled my info from Experian. When they sent me a letter saying they had approved a sapphire switch from MC to VISA the letter said the info was from TransUnion.

Does this indicate that the 3BM did not work?

Business and personal from chase will generate 2 pulls.
Title: Re: My next app-o-rama...
Post by: momo613 on December 28, 2012, 04:00:18 PM
Question.  If all apps on same day count for one hit,  then what's the point of the 4BM? Why not submit 6 apps? A friend who is getting in to cards asked me that and I didn't know the answer. Is it just the increased chance of instant approval or is there an increased fr risk? Or something else?
Title: Re: My next app-o-rama...
Post by: Name Changed on December 29, 2012, 07:01:20 PM
Question.  If all apps on same day count for one hit,  then what's the point of the 4BM? Why not submit 6 apps? A friend who is getting in to cards asked me that and I didn't know the answer. Is it just the increased chance of instant approval or is there an increased fr risk? Or something else?
Typically all apps on the same day will count as 1 hit, Its just safer with a 3/4BM but even if you apply a few minutes apart you should be safe*

*You are never 100% safe, people have reported at times they got more than 1 hit.
Title: Re: My next app-o-rama...
Post by: shmooz on December 29, 2012, 08:20:43 PM
Applied 2bm for starwood/delta
no instant decison but this language
 Thank You for applying for the Starwood Preferred Guest® Credit Card. In order to provide you with an instant decision, we need to speak with you. We are available to assist you during our Hours of Operations: Monday-Friday 8AM to Midnight, Saturdays 9:30AM to 9PM, and Sundays 10AM to 9PM Eastern Time.

On the browser it says IRIPS Pending

What does this mean they are looking for? Is it the same as recon?
Title: Re: My next app-o-rama...
Post by: menashe04 on December 29, 2012, 08:45:49 PM
I never had a chase card, I am a chase checking cust. I want to apply for the for the sapphire mc and the united club. Which others should I also apply to? What will give me more success or more failure? Also, what should I rather do it? Personal or business? Or some and some?
Any help greatly appreciated!
Title: Re: My next app-o-rama...
Post by: Mimi K. on December 29, 2012, 08:47:44 PM
Question.  If all apps on same day count for one hit,  then what's the point of the 4BM? Why not submit 6 apps? A friend who is getting in to cards asked me that and I didn't know the answer. Is it just the increased chance of instant approval or is there an increased fr risk? Or something else?
The purpose of a 2BM is twofold
1) limited Pulls
2)Approval to more cards than you would get otherwise

if you want to try to convince them to accept you to 6 cards enjoy  ::) ::)
And you will get FRed
Title: Re: My next app-o-rama...
Post by: Moishebatchy on December 30, 2012, 05:59:41 AM
Question.  If all apps on same day count for one hit,  then what's the point of the 4BM? Why not submit 6 apps? A friend who is getting in to cards asked me that and I didn't know the answer. Is it just the increased chance of instant approval or is there an increased fr risk? Or something else?

Tonight's homework assignment: http://forums.dansdeals.com/index.php?topic=8241
Title: Re: My next app-o-rama...
Post by: rots5 on December 30, 2012, 08:41:03 AM
is there an advt over doing a 2 bank 2 bm over just 2 bm with one banks and the another 2bm a montth later?
Title: Re: My next app-o-rama...
Post by: mmermss on December 30, 2012, 08:46:48 AM
is there an advt over doing a 2 bank 2 bm over just 2 bm with one banks and the another 2bm a montth later?
Yes.  If you have too many recent inquires on your credit report a company may deny you even though you might have good credit.  But if you apply for  all the cards at the same time, they will probably not see the other inquiries on your credit report because they are all processing them at the same time.
Title: Re: My next app-o-rama...
Post by: sruly101 on December 30, 2012, 09:08:20 AM
Yes.  If you have too many recent inquires on your credit report a company may deny you even though you might have good credit.  But if you apply for  all the cards at the same time, they will probably not see the other inquiries on your credit report because they are all processing them at the same time.
So what u say is that it is better to make in one day a 2bm with chase and with Citi???
Rather then doing chase noe and in a month later citi??
Title: Re: My next app-o-rama...
Post by: Name Changed on December 30, 2012, 09:16:40 AM
So what u say is that it is better to make in one day a 2bm with chase and with Citi???
Rather then doing chase noe and in a month later citi??
All in one day.

That's what AOR is all about, and as you could see from this thread most people had good sucess
Title: Re: My next app-o-rama...
Post by: mmermss on December 30, 2012, 09:20:45 AM
So what u say is that it is better to make in one day a 2bm with chase and with Citi???
Rather then doing chase noe and in a month later citi??
Correct
Title: Re: My next app-o-rama...
Post by: sruly101 on December 30, 2012, 12:44:41 PM
Wow thanks guys, first time hearing it!!

But from all banks together (chase citi) it should only be all or business or consumer?
Title: Re: My next app-o-rama...
Post by: rots5 on December 30, 2012, 12:54:29 PM
Thanks all. Great to know!
Title: Re: My next app-o-rama...
Post by: Redbull3 on December 30, 2012, 01:17:00 PM
Wow thanks guys, first time hearing it!!

But from all banks together (chase citi) it should only be all or business or consumer?

You will get a separate pull for business and personal for each bank, except Amex which will be 1 pull for business and personal. So for example (YMMV):
Amex biz, amex personal, citi biz, citi personal, chase biz, chase personal = 5 pulls. Each of these 5 pulls won't see the other 4. But after all is said and done, you will have 5 pulls (again YMMV) and if you tried getting credit on a different day soon after you may have difficulty (YMMV).
Title: Re: My next app-o-rama...
Post by: sruly101 on December 30, 2012, 01:18:43 PM
You will get a separate pull for business and personal for each bank, except Amex which will be 1 pull for business and personal. So for example (YMMV):
Amex biz, amex personal, citi biz, citi personal, chase biz, chase personal = 5 pulls. Each of these 5 pulls won't see the other 4. But after all is said and done, you will have 5 pulls (again YMMV) and if you tried getting credit on a different day soon after you may have difficulty (YMMV).!!
Thanks, but after such a round im messed up!!!! ;)
Title: Re: My next app-o-rama...
Post by: A European on January 01, 2013, 12:12:16 AM
just did a 2 bm on plat 100k and gold 50k  targeted and got approved
+1  ;)
Title: Re: My next app-o-rama...
Post by: Mocha on January 05, 2013, 07:54:02 PM
I have been targeted with a 50k Gold Business Card.
What would be the best combo to combine in a 3bm from Amex.
(I've had the consumer SPG and Charge card so those are out.)
Any ideas? Consumer Delta/Hilton?

Would I get the bonus on a Business platinum if I'm getting the business gold?
Title: Re: My next app-o-rama...
Post by: Dan on January 05, 2013, 08:25:52 PM
I have been targeted with a 50k Gold Business Card.
What would be the best combo to combine in a 3bm from Amex.
(I've had the consumer SPG and Charge card so those are out.)
Any ideas? Consumer Delta/Hilton?

Would I get the bonus on a Business platinum if I'm getting the business gold?
$50K for how much spend? A 75K offer will come around very soon.
Title: Re: My next app-o-rama...
Post by: A European on January 05, 2013, 08:32:42 PM
A 75K offer will come around very soon.
for business or consumer?
Title: Re: My next app-o-rama...
Post by: Dan on January 05, 2013, 08:33:57 PM
50k Gold Business Card.
Title: Re: My next app-o-rama...
Post by: Mocha on January 05, 2013, 08:57:57 PM
$50K for how much spend? A 75K offer will come around very soon.
5k in 90 days. Ok thanks I'll hold off then.
Title: Re: My next app-o-rama...
Post by: AJK on January 06, 2013, 01:23:27 AM
5k in 90 days. Ok thanks I'll hold off then.

Don't hold off until you know the details.

The 75k will likely be 10K spend.

5k extra spend for 25k extra miles isn't just "OK, I'll hold off then" unless the 5K is NBD.
Title: Re: My next app-o-rama...
Post by: Mocha on January 06, 2013, 09:51:14 AM
Don't hold off until you know the details.

The 75k will likely be 10K spend.

5k extra spend for 25k extra miles isn't just "OK, I'll hold off then" unless the 5K is NBD.
But an extra 5k spend even through Sqaure is $137.50 and 25k at 1.8 is $450.
Title: Re: My next app-o-rama...
Post by: AJK on January 06, 2013, 09:54:37 AM
But an extra 5k spend even through Sqaure is $137.50 and 25k at 1.8 is $450.

Don't hold off until you know the details.

The 75k will likely be 10K spend.

5k extra spend for 25k extra miles isn't just "OK, I'll hold off then" unless the 5K is NBD.

And be aware of F/R.
Title: Re: My next app-o-rama...
Post by: miles on January 06, 2013, 12:13:51 PM
Dan do u still do AMEX app-o-rama or stopd due to the new rule
Title: Re: My next app-o-rama...
Post by: Name Changed on January 06, 2013, 12:14:56 PM
Dan do u still do AMEX app-o-rama or stopd due to the new rule
The idea of AOR is doing multiple back apps in one day, so your Q' doesnt really make sense
Title: Re: My next app-o-rama...
Post by: scottman on January 06, 2013, 03:21:26 PM
Hi gang-

First time caller, long time listener...  ;)

Any thoughts on the current climate for 2 x 2BM Chase? Want to get the SW personal and biz for wife and I so our kids fly as companions. Hate to waste 2 pulls for just one biz/personal card each, so thinking about adding another one each. Here's my thought:

Chase: (Currently have Explorer, BA, IB, Hyatt)

SW Biz
IP
SP
SW Personal


Also, was turned down 6 months ago for Citi AA for debt/income ratio (excellent credit but large mortgage) even after writing a recon letter, when do you suggest giving them another try?

Thanks, all!

Title: Re: My next app-o-rama...
Post by: sky121 on January 06, 2013, 03:27:02 PM
Hi gang-

First time caller, long time listener...  ;)

Any thoughts on the current climate for 2 x 2BM Chase? Want to get the SW personal and biz for wife and I so our kids fly as companions. Hate to waste 2 pulls for just one biz/personal card each, so thinking about adding another one each. Here's my thought:

Chase: (Currently have Explorer, BA, IB, Hyatt)

SW Biz
IP
SP
SW Personal


Also, was turned down 6 months ago for Citi AA for debt/income ratio (excellent credit but large mortgage) even after writing a recon letter, when do you suggest giving them another try?

Thanks, all!

Welcome!!!


How long have you had your current cards for? Maybe close one down and churn? The explorer? Hyatt?
Title: Re: My next app-o-rama...
Post by: mmermss on January 06, 2013, 03:45:15 PM
Welcome!!!


How long have you had your current cards for? Maybe close one down and churn? The explorer? Hyatt?
With the lack of success rate on the Hyatt card you think he should try churning it?  Or were you advising to just close it to approve a different card?
Title: Re: My next app-o-rama...
Post by: sky121 on January 06, 2013, 03:56:30 PM
With the lack of success rate on the Hyatt card you think he should try churning it?  Or were you advising to just close it to approve a different card?

No I was suggested the former but you are right, I'd go with the Explorer card.
Title: Re: My next app-o-rama...
Post by: scottman on January 06, 2013, 04:11:36 PM

How long have you had your current cards for? Maybe close one down and churn? The explorer? Hyatt?

I got the BA & Explorer on 5/12 (qualified for the BA travel together voucher) and could shift those CLs around.
Hyatt 10/12 (though I don't want to close that down as I'm going for diamond this year and want to put my spend on that card)

Does it seem realistic that Chase would allow a biz 2BM and personal 2BM?

Title: Re: My next app-o-rama...
Post by: george on January 06, 2013, 04:23:35 PM
Question:
The last two times i did a 3bm, I was approved for two out of the three cards (one instantly, the other after recon - both times) and the third card could not be approved because "you cannot open more than to new cards within 30 days". Now that this has happened to me twice, I am wondering how does anybody do a successful 3bm with all three cards approved???
Does it only work if all three are approved instantly?
Any insight would be appreciated. Thanks!
Title: Re: My next app-o-rama...
Post by: mmermss on January 06, 2013, 04:39:05 PM
Question:
The last two times i did a 3bm, I was approved for two out of the three cards (one instantly, the other after recon - both times) and the third card could not be approved because "you cannot open more than to new cards within 30 days". Now that this has happened to me twice, I am wondering how does anybody do a successful 3bm with all three cards approved???
Does it only work if all three are approved instantly?
Any insight would be appreciated. Thanks!
Offer to move CL/cancel cards.  Tell them how good of a customer you are and tell them about the benefits from each card and how you would like to have them.

GL
Title: Re: My next app-o-rama...
Post by: george on January 06, 2013, 06:19:53 PM
Offer to move CL/cancel cards.  Tell them how good of a customer you are and tell them about the benefits from each card and how you would like to have them.

GL
I offered to move CL and to close cards, and I told CSR why each card is unique etc, but CSR said I can't open more than two cards within 30 days of each other.
Have you had a successful 3bm? If yes, how did it work? All instant approval?
Title: Re: My next app-o-rama...
Post by: MEIR613 on January 06, 2013, 06:24:16 PM
I offered to move CL and to close cards, and I told CSR why each card is unique etc, but CSR said I can't open more than two cards within 30 days of each other.
Have you had a successful 3bm? If yes, how did it work? All instant approval?
Most people here have to HUCA a couple times to get ALL 3 approved.
Title: Re: My next app-o-rama...
Post by: george on January 06, 2013, 06:30:26 PM
Most people here have to HUCA a couple times to get ALL 3 approved.
Ok, thanks.
Have you been told "you can't open more than 2 cards in 30 days" by CSR #1 only to get approved for all three by CSR #2 or #3?
Title: Re: My next app-o-rama...
Post by: MEIR613 on January 06, 2013, 06:41:26 PM
Ok, thanks.
Have you been told "you can't open more than 2 cards in 30 days" by CSR #1 only to get approved for all three by CSR #2 or #3?
Me personally no, but many many have reported yes
Title: Re: My next app-o-rama...
Post by: george on January 06, 2013, 06:58:21 PM
Me personally no, but many many have reported yes
thanks, i'll try HUCA...
Title: Re: My next app-o-rama...
Post by: nutcase on January 07, 2013, 02:11:54 AM
Me personally no, but many many have reported yes
yes I had that experience did 3bm with chase 1.sapphire/ 2.united /3.priority club(80k points, lifetime platinum and 1 free hotel a year. highly underrated card 80k points can be 16 nights with pointbreaks!  even at $35 for 5k points with book points and cash, cancel method 80k points have a value of $560!) I called recon.pushed through sp then recon. for ua pushed through minimal credit line shuffle from other cl...then recon for pc and was told 2 cards in 30 days huca...huca then told analyst I don't have any hotel cards need 1 hotel card and she shuffled credit for other cl and approved... so huca....huca...then huca! it can be overcome the 2 cards in 30 day rule(just have a good reason why you really need that card.
Title: Re: My next app-o-rama...
Post by: rots5 on January 07, 2013, 03:39:50 AM
My mom had the same with chase and she huca'd at least three or for times they said sorry u can't open three at once even if u transfer.

@nutcase what cc is that united card?!?
Title: Re: My next app-o-rama...
Post by: nutcase on January 07, 2013, 03:57:54 AM
My mom had the same with chase and she huca'd at least three or for times they said sorry u can't open three at once even if u transfer.

@nutcase what cc is that united card?!?
regular united 55k miles I need to edit my post united, priority club(different card,hotel card) updated.
maybe your mom should try to sm chase for a recon..
Title: Re: My next app-o-rama...
Post by: rots5 on January 07, 2013, 04:30:09 AM
regular united 55k miles I need to edit my post united, priority club(different card,hotel card) updated.
maybe your mom should try to sm chase for a recon..
will suggest that.  Whats that united hotel card. U have a link?
Title: Re: My next app-o-rama...
Post by: MEIR613 on January 07, 2013, 04:42:41 AM
will suggest that.  Whats that united hotel card. U have a link?
No such thing
Title: Re: My next app-o-rama...
Post by: mmermss on January 07, 2013, 04:49:40 AM
will suggest that.  Whats that united hotel card. U have a link?
He was referring to the priority club hotel card (https://creditcards.chase.com/credit-cards/ihg-credit-card.aspx).  Not the United hotel card which  doesnt exist being that United is an airline...not a hotel chain  :P
Title: Re: My next app-o-rama...
Post by: rots5 on January 07, 2013, 07:14:39 AM
No such thing
He was referring to the priority club hotel card (https://creditcards.chase.com/credit-cards/ihg-credit-card.aspx).  Not the United hotel card which  doesnt exist being that United is an airline...not a hotel chain  :P
;) ;)
Title: Re: My next app-o-rama...
Post by: george on January 07, 2013, 05:31:53 PM
thanks, i'll try HUCA...
Got approved after one call to credit analyst :)
Title: Re: My next app-o-rama...
Post by: MEIR613 on January 07, 2013, 05:40:56 PM
Got approved after one call to credit analyst :)
Congrats
Title: Re: My next app-o-rama...
Post by: ari2955 on January 15, 2013, 07:34:15 AM
I need another Citi buseiness card offer other then the AA for my 2/bm
anybody seen anything recently? I searched allover but couldn't find anything better then a 15k offer
Title: Re: My next app-o-rama...
Post by: Shmulyg on January 16, 2013, 05:14:07 PM
Did 2 2bm with chase in two consecutive months and decided to take a chill for some time (3 months) as not to raise their ire for opening too many cards in such a short period. Do you guys think some business apps would be appropriate now (only waited a month and a half)? Does it fall under a different category?
Title: Re: My next app-o-rama...
Post by: Redbull3 on January 16, 2013, 05:18:48 PM
Did 2 2bm with chase in two consecutive months and decided to take a chill for some time (3 months) as not to raise their ire for opening too many cards in such a short period. Do you guys think some business apps would be appropriate now (only waited a month and a half)? Or does it fall under a different category?

I think your chill is a good idea. But I'm NAE.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 12:49:57 PM
Planning a small AOR soon...wanna know your thoughts.

Chase: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Barclay:
US
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA x 2 (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.

TIA!
Title: Re: My next app-o-rama...
Post by: MEIR613 on February 12, 2013, 12:56:23 PM
Planning a small AOR soon...wanna know your thoughts.

Chase: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Barclay:
US
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA x 2 (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.

TIA!
Just a suggestion, why not do UA, BA, and SW and leave the SP for next time, so you don't have to bother with the Visa MC thing, unless you have no use for SW.

You can do BOA HA X 2.

Everything else looks good, hope all goes well on the Citi AA.
Title: Re: My next app-o-rama...
Post by: Yellow on February 12, 2013, 12:57:16 PM
Planning a small AOR soon...wanna know your thoughts.

Chase: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Barclay:
US
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA x 2 (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.

TIA!
Theres also some bank of america cards, like the Hawaiian or Virgin airways which have 35k bonus's (IIRC) that transfer 1:2 to Hilton, if your trying to accrue some HHonors points for the Waldorf Astoria in Jerusalem :)
Title: Re: My next app-o-rama...
Post by: SPLP on February 12, 2013, 01:00:56 PM
Planning a small AOR soon...wanna know your thoughts.

Chase: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Barclay:
US
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA x 2 (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.


TIA!


a lot has to do with what  you need more of  --hotel??- arlines?
Why no business cards?

Should I do NFL/Lufthansa?-- lh is only 20k --- nfl not sure if still can get $400 but have to pay fee on nfl--- best to do 2 personal us air and a biz us , as easy spend an no fee
Title: Re: My next app-o-rama...
Post by: Yellow on February 12, 2013, 01:06:24 PM

best to do 2 personal us air and a biz us , as easy spend an no fee

They approve 2 personals?
Title: Re: My next app-o-rama...
Post by: sam28 on February 12, 2013, 01:06:37 PM
hi i have a freind what he and his wife have a credit score 750 they only have 2 credit card us bank and a bank of america card he asked me what card is good to apply now for him and his wife he wont to get in the game ? whats the best offer out there

thanks
Title: Re: My next app-o-rama...
Post by: SPLP on February 12, 2013, 01:09:27 PM
They approve 2 personals?

some have reported yes some no -- why not try ,it will not cost u anything , i think dan got 3 personal an 1 biz--- i know we are not dan
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 01:15:35 PM
Just a suggestion, why not do UA, BA, and SW and leave the SP for next time, so you don't have to bother with the Visa MC thing, unless you have no use for SW.

You can do BOA HA X 2.

Everything else looks good, hope all goes well on the Citi AA.

Is SW only good for domestic?  I dont fly domestic really.  If I dont do the Visa MC thing now ill just have to do it next time...no difference...

Any good links for BOA HA?
Thanks
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 01:18:16 PM

a lot has to do with what  you need more of  --hotel??- arlines?
Why no business cards?

Should I do NFL/Lufthansa?-- lh is only 20k --- nfl not sure if still can get $400 but have to pay fee on nfl--- best to do 2 personal us air and a biz us , as easy spend an no fee

Thanks.

Will try for 2 US air instead of NHL or LH
Title: Re: My next app-o-rama...
Post by: MEIR613 on February 12, 2013, 01:25:37 PM
Is SW only good for domestic?  I dont fly domestic really.  If I dont do the Visa MC thing now ill just have to do it next time...no difference...

Any good links for BOA HA?
Thanks
SW right now is only domestic.

You can close the SP now via a different card and later re apply.

BOA HA is on BOA.com, but it's switch 'n bait.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 01:32:20 PM
SW right now is only domestic.

You can close the SP now via a different card and later re apply.

BOA HA is on BOA.com, but it's switch 'n bait.
Ill probably stick with the SP.

Switch 'n bait?  Not familiar with that term...
Title: Re: My next app-o-rama...
Post by: businessmachine on February 12, 2013, 01:37:14 PM
Ill probably stick with the SP.

Switch 'n bait?  Not familiar with that term...


It means that if they don't approve you for the signature(credit limit at least 5k) card you get stuck with a measly 10k or 15k bonus instead of the 35k and you still have to pay for the annual fee.
Title: Re: My next app-o-rama...
Post by: Redbull3 on February 12, 2013, 01:48:05 PM
I believe "bait and switch" is the expression.  :)
Title: Re: My next app-o-rama...
Post by: meshugener on February 12, 2013, 02:25:57 PM
Planning a small AOR soon...wanna know your thoughts.

Chase: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Barclay:
US
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA x 2 (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.

TIA!
-I would drop the SP for now, rather one of the other Chase cards.
-If you have the NFL $400 app - go for it instead of LH (only 20k and YQ).
-I'd rather do one AA and the HHonors Reserve.


Whatever you end up doing - GL!
Title: Re: My next app-o-rama...
Post by: Redbull3 on February 12, 2013, 02:29:25 PM
-I would drop the SP for now, rather one of the other Chase cards.

Why are people suggesting OP to avoid the SP? Isn't it an easy 40K UR churn?

Quote
Whatever you end up doing - GL!
+1! :)
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 02:32:40 PM
Why are people suggesting OP to avoid the SP? Isn't it an easy 40K UR churn?
+1! :)
Because he already has an SP and the whole Mastercard/Visa churn is YMMV
Title: Re: My next app-o-rama...
Post by: meshugener on February 12, 2013, 02:59:57 PM
Why are people suggesting OP to avoid the SP? Isn't it an easy 40K UR churn?

There are easier things out there to do.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 03:04:57 PM
There are easier things out there to do.
What do you recommend? Want more UR.
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 03:07:07 PM
What do you recommend? Want more UR.
What happened to IB/IP? or the Sapphire Non-preferred?
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 03:09:13 PM
What happened to IB/IP?
No reason why but never did business yet. But those don't have anything to do with me getting an SP or not.
Title: Re: My next app-o-rama...
Post by: Redbull3 on February 12, 2013, 03:11:32 PM
Because he already has an SP and the whole Mastercard/Visa churn is YMMV

What do you recommend? Want more UR.

I'm not the most seasoned expert and I didn't have any difficulty closing my WMC to open the Visa SP. I wanted both at the same time, (and that I agree is somewhat YMMV), but closing WMC for Visa took one 3 minute phone call.

Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 03:14:00 PM
I'm not the most seasoned expert and I didn't have any difficulty closing my WMC to open the Visa SP. I wanted both at the same time, (and that I agree is somewhat YMMV), but closing WMC for Visa took one 3 minute phone call.
That's not the issue.
Having both at the same time, as you said, is.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 03:16:49 PM
That's not the issue.
Having both at the same time, as you said, is.
Oh I'm not planning on being able to get both at same time. Those days are over I think. I was gana close the SP to open other.
Title: Re: My next app-o-rama...
Post by: rots5 on February 12, 2013, 03:19:29 PM
Oh I'm not planning on being able to get both at same time. Those days are over I think. I was gana close the SP to open other.
how long do u wait from closing ur WMC and opening a visa SP and still get the points? And no AF?
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 03:20:29 PM
Don't forget the 7% bonus in Feb if you haven't received it already
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 03:21:14 PM
how long do u wait from closing ur WMC and opening a visa SP and still get the points? And no AF?
I close and open on phone...so it's within seconds. Never paid for SP yet...don't plan on it  ;)
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 03:22:12 PM
Don't forget the 7% bonus in Feb if you haven't received it already
I got them already...thank you.

Was trying to get 7% of the 40k but they are not budging.
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 03:22:53 PM
I close and open on phone...so it's within seconds. Never paid for SP yet...don't plan on it  ;)
Have you had it for a year and was able to get the AF waived or you always closed within a year?

I got them already...thank you.

Was trying to get 7% of the 40k but they are not budging.

Why not? You just got it in Feb?
Title: Re: My next app-o-rama...
Post by: A European on February 12, 2013, 03:57:40 PM
@MMERMSS
Lufthansa miles&more is not worth anything AFAIK
Title: Re: My next app-o-rama...
Post by: meshugener on February 12, 2013, 04:04:22 PM
What do you recommend? Want more UR.
IP+IB+UA Biz.
Title: Re: My next app-o-rama...
Post by: sruly101 on February 12, 2013, 04:10:16 PM
IP+IB+UA Biz.
This is a part of mine AOR hope to get it!
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 04:10:57 PM
Have you had it for a year and was able to get the AF waived or you always closed within a year?

Why not? You just got it in Feb?
Close within year.

I got it in October and they're not giving me the 7% on the sign up bonus.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 04:11:40 PM
@MMERMSS
Lufthansa miles&more is not worth anything AFAIK
Ok thanks.
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 04:11:50 PM
Close within year.

I got it in October and they're not giving me the 7% on the sign up bonus.
what's their excuse?
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 04:17:27 PM
what's their excuse?
On T&C'S
Title: Re: My next app-o-rama...
Post by: Yossi. on February 12, 2013, 04:18:25 PM
On T&C'S
care to elaborate? you need to have it for __ months before Feb?
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 04:39:17 PM
IP+IB+UA Biz.
If I were to only get one ink...any difference in what it should be? Besides for one being a credit and other a charge...
Title: Re: My next app-o-rama...
Post by: meshugener on February 12, 2013, 06:03:15 PM
If I were to only get one ink...any difference in what it should be? Besides for one being a credit and other a charge...
One is for the 50k points and the other is to get the other 50k points.



Creative imagination is all you need.
Title: Re: My next app-o-rama...
Post by: businessmachine on February 12, 2013, 06:14:19 PM
If I were to only get one ink...any difference in what it should be? Besides for one being a credit and other a charge...

I would either do a 3bm business or 3bm personal if I were you to get away with 1 pull. if you're in the mood for UR then its a no brainer and you should go for business IB/IP/UA. If you just want to stick with personal then I would stick with your original 3. Getting the SP should not be an issue with a  few HUCAs
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 07:14:02 PM
One is for the 50k points and the other is to get the other 50k points.



Creative imagination is all you need.
Telling them why I need both is not the problem. The problem is spending $10k besides for other cards within  few months. Maybe ill do one ink with UA biz now and another next time.
Title: Re: My next app-o-rama...
Post by: mmermss on February 12, 2013, 11:47:32 PM
Updated:


Planning a small AOR soon...wanna know your thoughts.

Chase Personal: Have SP,Hyatt,Freedom
UA
SP
BA or SW...? (never had either)

Chase Business:
IP
UA Biz

Barclay:
US (x2)
Should I do NFL/Lufthansa?

Citi: Have Hilton
AA (x2) (hope ill be lucky and get approved for both)

Cant do Amex now as i've been pre F/Red in past and cant go through yet.

Not so familiar with cards other than Chase so any input in what I'm missing would be greatly appreciated.

TIA!
Title: Re: My next app-o-rama...
Post by: smart brit on February 12, 2013, 11:51:20 PM
No big offers now from bofa but you can get from them the vs card and 2 hawaiian airline cards
Title: Re: My next app-o-rama...
Post by: A European on February 13, 2013, 12:05:32 AM
You will not get 2 citi AA
and 2 US Barclay.
Just 1 from each not worth the 2 pulls.
IME in the past week! 
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 12:12:15 AM
You will not get 2 citi AA
and 2 US Barclay.
Just 1 from each not worth the 2 pulls.
IME in the past week!

The two citi AA your probably right just hoping ill get instant approval on both.

The US I see on that thread that people have been able to get 2 US.

You suggest I should just skip the citi and barclay?
Title: Re: My next app-o-rama...
Post by: MEIR613 on February 13, 2013, 12:14:51 AM
The two citi AA your probably right just hoping ill get instant approval on both.

The US I see on that thread that people have been able to get 2 US.

You suggest I should just skip the citi and barclay?
Barclay don't skip since they pull TU. I would do US then another US and if app doesn't go through, try your luck on the 400 NFL, it might work.

I would keep to citi, I don't think anything is going to change, it will be YMMV for some time now IMO.
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 12:22:10 AM
Barclay don't skip since they pull TU. I would do US then another US and if app doesn't go through, try your luck on the 400 NFL, it might work.

I would keep to citi, I don't think anything is going to change, it will be YMMV for some time now IMO.

1. If first US is not instantly approved Im guessing I shouldnt go for a second...correct?
2. Is there a NFL for 400 now?  What do you mean it might work?  Will I only know after I apply?
3. Keep citi and risk a pull on a 99.9% chance ill only get one AA out of it?
Title: Re: My next app-o-rama...
Post by: A European on February 13, 2013, 12:36:21 AM
1. If first US is not instantly approved Im guessing I shouldnt go for a second...correct?
2. Is there a NFL for 400 now?  What do you mean it might work?  Will I only know after I apply?
3. Keep citi and risk a pull on a 99.9% chance ill only get one AA out of it?
1. if you don t get this
Quote
Our records indicate you have already submitted 1 application(s) in the past 30 days. Please do not submit another. Information about the status of your previous application(s) will be mailed to by the bank as soon as possible.
message


2. https://www.barclaycardus.com/app/japply/WebAppGate.jsp?obchannel=033&browserUserAgent=Mozilla%2F5.0+%28Windows+NT+6.1%3B+rv%3A16.0%29+Gecko%2F20100101+Firefox%2F16.0&campaignId=1717&clickid=&outboundAdLocation=365&sqGroup=20&prodidreq=CCVVS48890&obcreative=0000000&product.IowaEnable=false&partnerid=1654&ibchannel=03&appcreative=03570&landcreative=000000&referrerid=BCRWDS111&listid=&obadloc=365&landpage=00000&campaignid=0001717&VASPPP=CPDC0014&legacy=true%20Report%20to%20moderator%20Logged
they might downgrade you to a lower offer after you apply


3. as i said earlier , skip citi 
Title: Re: My next app-o-rama...
Post by: rots5 on February 13, 2013, 01:47:02 AM
1. if you don t get this message


2. https://www.barclaycardus.com/app/japply/WebAppGate.jsp?obchannel=033&browserUserAgent=Mozilla%2F5.0+%28Windows+NT+6.1%3B+rv%3A16.0%29+Gecko%2F20100101+Firefox%2F16.0&campaignId=1717&clickid=&outboundAdLocation=365&sqGroup=20&prodidreq=CCVVS48890&obcreative=0000000&product.IowaEnable=false&partnerid=1654&ibchannel=03&appcreative=03570&landcreative=000000&referrerid=BCRWDS111&listid=&obadloc=365&landpage=00000&campaignid=0001717&VASPPP=CPDC0014&legacy=true%20Report%20to%20moderator%20Logged
they might downgrade you to a lower offer after you apply


3. as i said earlier , skip citi

that nfl card is not for 400 though

is this the barclys (https://www.barclaycardus.com/apply/Landing.action?campaignId=1654&cellNumber=3&referrerid=IC640817881) card you are all talking about......doesnt seem like anything to write home about, esp against an amex blue cash, prg
Title: Re: My next app-o-rama...
Post by: Shmulyg on February 13, 2013, 05:23:15 AM
that nfl card is not for 400 though
It is. Read the T&C. Though they can approve you for a lower version of the card with a lower sign-up bonus.
Title: Re: My next app-o-rama...
Post by: gpapadop on February 13, 2013, 09:17:59 AM
Refi closing in two hours...so it is time to get me some cards! I was thinking:

1 AA visa 50k
2. AA business 50k
3. Club Carlson business 85k
4 want to do an amex but no promos right now...was hoping to get one of these one or two day promos.....so I am thinking of going back for the US Air 40k first purchase...which I canceled 2 months ago.
Thinking of adding finally a cash back card...I know, I know.

What do you think?
Title: Re: My next app-o-rama...
Post by: rots5 on February 13, 2013, 09:20:05 AM
Refi closing in two hours...so it is time to get me some cards! I was thinking:

1 AA visa 50k
2. AA business 50k
3. Club Carlson business 85k
4 want to do an amex but no promos right now...was hoping to get one of these one or two day promos.....so I am thinking of going back for the US Air 40k first purchase...which I canceled 2 months ago.
Thinking of adding finally a cash back card...I know, I know.

What do you think?
whats Refi? and why no chase?
Title: Re: My next app-o-rama...
Post by: AJK on February 13, 2013, 09:31:50 AM
whats Refi?

Refinancing (his home, for example).
Title: Re: My next app-o-rama...
Post by: gpapadop on February 13, 2013, 09:41:30 AM
Yes refinancing home mortgage.

No Chase because I had them all and i am not Dan ;D
Title: Re: My next app-o-rama...
Post by: rots5 on February 13, 2013, 09:42:17 AM
Refinancing (his home, for example).
ooohhhh.  ::)
Title: Re: My next app-o-rama...
Post by: SPLP on February 13, 2013, 10:00:17 AM
Refi closing in two hours...so it is time to get me some cards! I was thinking:

1 AA visa 50k
2. AA business 50k
3. Club Carlson business 85k
4 want to do an amex but no promos right now...was hoping to get one of these one or two day promos.....so I am thinking of going back for the US Air 40k first purchase...which I canceled 2 months ago.
Thinking of adding finally a cash back card...I know, I know.

What do you think?

None of us are super human  nor do we have that magic like dan , we are just mortal and have to eat the crumbs - the appo I am working on is similar , very slender!

why no boa ?
Title: Re: My next app-o-rama...
Post by: businessmachine on February 13, 2013, 10:04:41 AM
I've read "I'm not Dan" quite a few times over the past few days. Sounds like there's some envy in the air..... :  ;)
Title: Re: My next app-o-rama...
Post by: SPLP on February 13, 2013, 10:08:19 AM
 :)
I've read "I'm not Dan" quite a few times over the past few days. Sounds like there's some envy in the air..... :  ;)

and why not? --who would not like to accomplish what we find impossible  to do
Title: Re: My next app-o-rama...
Post by: Dan on February 13, 2013, 10:12:40 AM
BA or SW...? (never had either)
To use? To sell?
With SP do you have?
Title: Re: My next app-o-rama...
Post by: wierdal832 on February 13, 2013, 10:21:21 AM
To use? To sell?
With SP do you have?

i think you get great value out of both of them if you use the points
Title: Re: My next app-o-rama...
Post by: aj26 on February 13, 2013, 10:47:27 AM
It is. Read the T&C. Though they can approve you for a lower version of the card with a lower sign-up bonus.
It doesn't say there is a lower signup bonus for the platinum card, just that if not approved for the world, you'll get the platinum
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 11:15:16 AM
To use? To sell?
With SP do you have?
To use.
Have the visa now but would convert it first and apply for another visa.

Now that I might be doing a IP and UA biz I'm thinking of only doing two personal... What do you think?

And what do you think about the citi/Barclay cards...should I go for them and "waste" a pull on probably one card each?
Title: Re: My next app-o-rama...
Post by: wierdal832 on February 13, 2013, 12:29:45 PM
my wife have 2 inks,SP,ba... and just closed the united.. just did 3bm for the sw,hyatt and churned the united.. got the 1st 2 approved with a call to them the united they didnt wana approve so they made me close one of the inks to get the united approved... so just moved the points to my other ink and closed it.. now i goda do a 3bm for myself
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 12:34:49 PM
my wife have 2 inks,SP,ba... and just closed the united.. just did 3bm for the sw,hyatt and churned the united.. got the 1st 2 approved with a call to them the united they didnt wana approve so they made me close one of the inks to get the united approved... so just moved the points to my other ink and closed it.. now i goda do a 3bm for myself

Great job!

What your doing is a 3BM (http://forums.dansdeals.com/index.php?topic=9825.0).  Not an AOR (http://forums.dansdeals.com/index.php?topic=16024.0).
Title: Re: My next app-o-rama...
Post by: wierdal832 on February 13, 2013, 12:45:51 PM
Great job!

What your doing is a 3BM (http://forums.dansdeals.com/index.php?topic=9825.0).  Not an AOR (http://forums.dansdeals.com/index.php?topic=16024.0).

explain the dif plz
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 12:48:30 PM
explain the dif plz

A 3BM is applying for 3 cards from the same bank. Example-Chase...citi...

AOR is applying for more than one bank in one day.  You will still get the hard pulls from each bank but the point is so other banks dont see the inquiries from the other banks since its all done the same day.
Title: Re: My next app-o-rama...
Post by: wierdal832 on February 13, 2013, 12:50:40 PM
A 3BM is applying for 3 cards from the same bank. Example-Chase...citi...

AOR is applying for more than one bank in one day.  You will still get the hard pulls from each bank but the point is so other banks dont see the inquiries from the other banks since its all done the same day.

ah gotya.. so i sud really do some amex and citi now, but is citi worth it now that they dont allow the 2bm for the aa cards?
Title: Re: My next app-o-rama...
Post by: mmermss on February 13, 2013, 12:57:49 PM
ah gotya.. so i sud really do some amex and citi now, but is citi worth it now that they dont allow the 2bm for the aa cards?

Amex are great cards too.

Im having the same problem as to whether or not apply 2BM for AA.  Still not sure.
Title: Re: My next app-o-rama...
Post by: wierdal832 on February 13, 2013, 01:08:11 PM
Amex are great cards too.

Im having the same problem as to whether or not apply 2BM for AA.  Still not sure.
well for amex my wife has the spg,gold and plat.. so i can do the spg biz and 2 more.. what should i do? delta with it?
Title: Re: My next app-o-rama...
Post by: Sammy12345 on February 19, 2013, 05:07:12 PM
Going to do my first app-o-rama... I dont want to do such a big one i was thinking of doing:
Amex MB Plt 50k sign up
Delta Amex 30K
Citi AA visa idk what the promo is right now.......
I dont think I should be so gutsy to do more then that any thoughts??? (i was thinking of doing a SPG business)
Thanks
Title: Re: My next app-o-rama...
Post by: rots5 on February 19, 2013, 05:09:40 PM
Going to do my first app-o-rama... I dont want to do such a big one i was thinking of doing:
Amex MB Plt 50k sign up
Delta Amex 30K
Citi AA visa idk what the promo is right now.......
I dont think I should be so gutsy to do more then that any thoughts??? (i was thinking of doing a SPG business)
Thanks

i would personally wait to do biz the same day as personal...but thats me..
Title: Re: My next app-o-rama...
Post by: mmermss on February 19, 2013, 08:11:26 PM
Going to do my first app-o-rama... I dont want to do such a big one i was thinking of doing:
Amex MB Plt 50k sign up
Delta Amex 30K
Citi AA visa idk what the promo is right now.......
I dont think I should be so gutsy to do more then that any thoughts??? (i was thinking of doing a SPG business)
Thanks

Why not SPG personal?
No Chase cards?
Title: Re: My next app-o-rama...
Post by: MEIR613 on February 20, 2013, 12:02:02 AM
Going to do my first app-o-rama... I dont want to do such a big one i was thinking of doing:
Amex MB Plt 50k sign up
Delta Amex 30K
Citi AA visa idk what the promo is right now.......
I dont think I should be so gutsy to do more then that any thoughts??? (i was thinking of doing a SPG business)
Thanks
I would Ditch the DL and go for SPG.
Ditch the Citi and go for CSP, UA, and freedom. 

Title: Re: My next app-o-rama...
Post by: Swizard210 on February 20, 2013, 05:45:55 PM
Just finished my App-O-Rama today with great results!

Bank of America: Hawaiian Airlines (15K CL)
Bank of Hawaii: Hawaiian Airlines (15K CL)
Barclays: US Airways (5K CL)
Citi: HHonors Regular (?? CL)
AMEX: HHonors Regular (?? CL), HHonors Surpass (Pending Approval)
Chase: Ink Bold (15K CL), Freedom Visa (7K CL), Priority Club (3K CL)

All were approved except for the AMEX Surpass which is pending for now.  I called Recon but they said call back in 3 days.

I only did 1 Citi because of all the 2 BM Failures I've been reading about.

Any last minute suggestions for other cards to get in today so it's only 1 Credit pull per company?
Title: Re: My next app-o-rama...
Post by: mmermss on February 20, 2013, 05:50:07 PM

Any last minute suggestions for other cards to get in today so it's only 1 Credit pull per company?
You know you probably got 2 pulls for chase...right?
Title: Re: My next app-o-rama...
Post by: rots5 on February 20, 2013, 05:51:20 PM
You know you probably got 2 pulls for chase...right?
obv its biz and personal - im sure he knows
Title: Re: My next app-o-rama...
Post by: MEIR613 on February 20, 2013, 05:52:08 PM
I would just apply for the plat over and over to get the $200 since the hilton and DL are done with.

Title: Re: My next app-o-rama...
Post by: mmermss on February 20, 2013, 05:53:03 PM
obv its biz and personal - im sure he knows
Look what I quoted above...

Any last minute suggestions for other cards to get in today so it's only 1 Credit pull per company?
[/quote
Title: Re: My next app-o-rama...
Post by: rots5 on February 20, 2013, 05:54:50 PM
I would just apply for the plat over and over to get the $200 since the hilton and DL are done with.
just to clarify; so even though if someone had a plat with in 12 months and doesnt get the points can he get he 200 airline credit or is tat also included in that list
Title: Re: My next app-o-rama...
Post by: Swizard210 on February 20, 2013, 06:32:47 PM
You know you probably got 2 pulls for chase...right?

Yeah unfortunately so.  lol  But it was interesting that they reallocated my personal CL to accomodate some of the Business CL.
Title: Re: My next app-o-rama...
Post by: mmermss on February 20, 2013, 06:37:32 PM
Yeah unfortunately so.  lol  But it was interesting that they reallocated my personal CL to accomodate some of the Business CL.

Interesting but not new.
Title: Re: My next app-o-rama...
Post by: Menucha on February 21, 2013, 06:37:12 AM
+1
Hard chances t get approved with AA, after seeing 8 cards "closed by issuer"
"והיה המחנה הנשאר לפליטה"From what I've seen, Chase considers closed accounts as active ones, as long as they stay on your online summary (which should be 60 or 90 days, not sure), so I would def. wait till they fall off, before applying for new ones.
When my wife got AA'd, she only had 4 active cards, but on the letter she got, they insisted closing 7 accounts, which were the 3 cards, that were recently closed, and Chase considered them active.
I've fished this out also from the AA thread, that for some people after they open their cards after apeal, they got back all the cards they closed within a period of time.
So, closing, and right away reapllying wouldn't help IMHO

I wonder what makes you a good candidate for a card.
If you have many cards, and you are paying them all, are you considered a risk?

what is the issue with "closed by consumer" for a good client?

What do they really want to see?

Someone with few cards who keep them forever?
Title: Re: My next app-o-rama...
Post by: noturbizniss on February 21, 2013, 02:51:28 PM
How long do you folks wait betwean app-o-ramas?  Frugal Guy's 91 days? More? Less? Depend on other factors like number of cards in previous app-o-rama?

Thanks guys!
Title: Re: My next app-o-rama...
Post by: Drago on February 21, 2013, 03:41:15 PM
Just did an AOR for my wife after a 7 month hiautus due to a missed $10 payment lowering her score by 70 points.
Lo and behold, checked it again 2 weeks ago, and it must have been removed, and her scores were higher than they had been in a long time.

Did 7 cards, but am not feeling good about them. And it started off badly when I entered my name instead of hers on the Carlson app.

Ahh well, we'll see what happens.
Title: Re: My next app-o-rama...
Post by: rots5 on February 21, 2013, 03:44:31 PM
Just did an AOR for my wife after a 7 month hiautus due to a missed $10 payment lowering her score by 70 points.
Lo and behold, checked it again 2 weeks ago, and it must have been removed, and her scores were higher than they had been in a long time.

Did 7 cards, but am not feeling good about them. And it started off badly when I entered my name instead of hers on the Carlson app.

Ahh well, we'll see what happens.
its Adar. Who knows man! :-).
Title: Re: My next app-o-rama...
Post by: noturbizniss on February 21, 2013, 03:48:05 PM
Just did an AOR for my wife after a 7 month hiautus due to a missed $10 payment lowering her score by 70 points.
Lo and behold, checked it again 2 weeks ago, and it must have been removed, and her scores were higher than they had been in a long time.

Did 7 cards, but am not feeling good about them. And it started off badly when I entered my name instead of hers on the Carlson app.

Ahh well, we'll see what happens.
If not for the missed payment how long would you wait?
Title: Re: My next app-o-rama...
Post by: cozmohoot on February 21, 2013, 04:11:48 PM
i dont travel and i would only need to be transferring points to another party.
i currently have regular sapphire and i am a joint holder of a regular sapphire card.
which 2 or 3 cards are the most worth it to do a 3bm?
i like chase for the ur and i see freedom is very good but the bonus is only 10k
i would consider amex if the points are valuable enough
tia
Title: Re: My next app-o-rama...
Post by: sky121 on February 21, 2013, 06:31:45 PM
i dont travel and i would only need to be transferring points to another party.
i currently have regular sapphire and i am a joint holder of a regular sapphire card.
which 2 or 3 cards are the most worth it to do a 3bm?
i like chase for the ur and i see freedom is very good but the bonus is only 10k
i would consider amex if the points are valuable enough
tia

Freedom is still a card to consider since you can potentially earn 7500 points with it a month and there is no annual fee if you want to keep it around for a while.
What do you do with your points usually?

Title: Re: My next app-o-rama...
Post by: cozmohoot on February 21, 2013, 06:53:16 PM
What do you do with your points usually?
I sell them since I have no other use.
Freedom is 1500 per month or per quarter for the bonus? I thought quarter.
Title: Re: My next app-o-rama...
Post by: sky121 on February 21, 2013, 07:04:18 PM
I sell them since I have no other use.
Freedom is 1500 per month or per quarter for the bonus? I thought quarter.

Sorry, correct. For the quarter.

What about the Southwest card?
BA?
HYATT also sells well.
Title: Re: My next app-o-rama...
Post by: churnbabychurn on February 21, 2013, 09:01:27 PM
Did the PRG and delta yesterday in a (complicated due to the pre approved site) 2bm, got the PRG but there is no record of the delta, is this normal?
Title: Re: My next app-o-rama...
Post by: yuneeq on March 01, 2013, 08:26:14 AM
AMEX
Platinum 25k
PRG 25k
SPG 25k
Gold Delta 30k

Chase
United Explorer 35k
SP 40k
Southwest Premier 50k

Chase #2
Ink Bold 50k
Ink Plus 50k
United Explorer 30k

Total of 10 cards.

1) Can I mix charge and credit in a 3/4bm with no issue?
2) What about mixing business and consumer, no good, right?
3) Are there any issues with this AOR that I should know?
Title: Re: My next app-o-rama...
Post by: mmermss on March 01, 2013, 08:46:32 AM
AMEX
Platinum 25k
PRG 25k
SPG 25k
Gold Delta 30k

Chase
United Explorer 35k
SP 40k
Southwest Premier 50k

Chase #2
Ink Bold 50k
Ink Plus 50k
United Explorer 30k

Total of 10 cards.

1) Can I mix charge and credit in a 3/4bm with no issue?
2) What about mixing business and consumer, no good, right?
3) Are there any issues with this AOR that I should know?
1) no issues.
2) mixing with chase is 2 pulls. With Amex it's ymmv but it doesn't look like you're mixing.
3) You may not get the bonus for the Amex plat and PRG.

Are these your first cards?
Title: Re: My next app-o-rama...
Post by: yuneeq on March 01, 2013, 09:09:47 AM
1) no issues.
2) mixing with chase is 2 pulls. With Amex it's ymmv but it doesn't look like you're mixing.
3) You may not get the bonus for the Amex plat and PRG.

Thanks :)
What card would you recommend instead of the PRG?

Quote
Are these your first cards?

It's not my first cards, but it's the first time I got serious. I had a couple Crapitalones, SPG (cancelled), continental presidents club, amex blue. I was added as an AU for a couple cards, and I have excellent credit rating and high CL with less than 1% utilization.

Go for it?
Title: Re: My next app-o-rama...
Post by: mmermss on March 01, 2013, 09:12:44 AM
Thanks :)
What card would you recommend instead of the PRG?
9 cards isnt good enough?  ;)

It's not my first cards, but it's the first time I got serious. I had a couple Crapitalones, SPG (cancelled), continental presidents club, amex blue. I was added as an AU for a couple cards, and I have excellent credit rating and high CL with less than 1% utilization.

Go for it?
Yup.

GL
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 01, 2013, 09:17:40 AM
1) no issues.
2) mixing with chase is 2 pulls. With Amex it's ymmv but it doesn't look like you're mixing.
3) You may not get the bonus for the Amex plat and PRG.

Are these your first cards?
Are you doing 6 chase cards?  I can't imagine they'll approve them all regardless of how many times you HUCA.
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 01, 2013, 09:48:02 AM
Are you doing 6 chase cards?  I can't imagine they'll approve them all regardless of how many times you HUCA.

+1, not impossible but be ready for a fight and HUCA-thon.
P.S. lol @ "crapitalone"
Title: Re: My next app-o-rama...
Post by: yuneeq on March 01, 2013, 09:53:54 AM
Are you doing 6 chase cards?  I can't imagine they'll approve them all regardless of how many times you HUCA.

So it sounds like only 3 chase cards for now.
What bank is good for a third 3bm? Citi? Any suggestions?
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 01, 2013, 10:07:26 AM
So it sounds like only 3 chase cards for now.
What bank is good for a third 3bm? Citi? Any suggestions?
I see alot of folks doing barclays and getting nfl...not sure what the advantage is with nfl...
Title: Re: My next app-o-rama...
Post by: judahk88 on March 01, 2013, 03:45:00 PM
I am planning on doing my first app-o-rama under my wife's name.
was thinking of doing 4bm chase sapphire, united, BA and Hyatt. On the amex 4bm any idea which cards I should go for? she already has a SPG on her name.  TIA
Title: Re: My next app-o-rama...
Post by: btab on March 01, 2013, 04:08:11 PM
I am planning on doing my first app-o-rama under my wife's name.
was thinking of doing 4bm chase sapphire, united, BA and Hyatt. On the amex 4bm any idea which cards I should go for? she already has a SPG on her name.  TIA

definitely get the PRG. maybe the delta 45k offer?
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 01:18:34 PM
I am planning on doing my first app-o-rama under my wife's name.
was thinking of doing 4bm chase sapphire, united, BA and Hyatt. On the amex 4bm any idea which cards I should go for? she already has a SPG on her name.  TIA
i would be very careful doing a 4bm with chase, lately it sounds like ppl have been having a hard time getting even 3 cards approved at once
Title: Re: My next app-o-rama...
Post by: Red on March 02, 2013, 02:26:39 PM
I see alot of folks doing barclays and getting nfl...not sure what the advantage is with nfl...
$400 maybe?
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 02:52:25 PM
$400 maybe?
and u get a pull from TU
Title: Re: My next app-o-rama...
Post by: judahk88 on March 02, 2013, 07:37:55 PM
i would be very careful doing a 4bm with chase, lately it sounds like ppl have been having a hard time getting even 3 cards approved at once
Really? I think that is the 1st time on DDF someone said not to do a 4bm ;)
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 07:40:47 PM
Really? I think that is the 1st time on DDF someone said not to do a 4bm ;)
chase?!  :)
Title: Re: My next app-o-rama...
Post by: judahk88 on March 02, 2013, 07:46:47 PM
chase?! :)
No,period! lol
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 07:54:12 PM
so i had these big plans to do an aor but i did not realize my yr was up and i just got hit with my AF on mach 1st for my SP WMC, is there a way for me to downgrade it or shut it down and get the AF reimbursed?
Title: Re: My next app-o-rama...
Post by: sky121 on March 02, 2013, 07:56:04 PM
so i had these big plans to do an aor but i did not realize my yr was up and i just got hit with my AF on mach 1st for my SP WMC, is there a way for me to downgrade it or shut it down and get the AF reimbursed?

Are you planning on applying for some Chase cards with your aor?

Just close it down then to get another approved.
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 07:58:07 PM
Are you planning on applying for some Chase cards with your aor?

Just close it down then to get another approved.
yes i am, i would like to do sw, ba, sp and maybe churn my recently closed down explorer

prob is i still have a balance.
Title: Re: My next app-o-rama...
Post by: sky121 on March 02, 2013, 07:59:46 PM
yes i am, i would like to do sw, ba, sp and maybe churn my recently closed down explorer

prob is i still have a balance.


If you're doing an SP chances are you're going to have to close down your current SP and you're obviously not going to want to do that until you pay off your balance anyways...
Title: Re: My next app-o-rama...
Post by: rots5 on March 02, 2013, 08:02:24 PM

If you're doing an SP chances are you're going to have to close down your current SP and you're obviously not going to want to do that until you pay off your balance anyways...
so i suppose id rather sm them and ask them to downgrade it to a reg sapphire with no AF and then i can sign up for a new SP visa
Title: Re: My next app-o-rama...
Post by: DP7 on March 02, 2013, 10:51:32 PM
so i suppose id rather sm them and ask them to downgrade it to a reg sapphire with no AF and then i can sign up for a new SP visa

Would you then close the reg sapphire or keep it open?
Title: Re: My next app-o-rama...
Post by: rots5 on March 03, 2013, 02:12:32 AM
Would you then close the reg sapphire or keep it open?
prob use it as leverage to close if i have to call recon.

i just received an sm back from chase after i asked for retention she said no but i can downgrade
Title: Re: My next app-o-rama...
Post by: mmermss on March 03, 2013, 09:26:37 AM
prob use it as leverage to close if i have to call recon.

i just received an sm back from chase after i asked for retention she said no but i can downgrade
PUTPAC for a retention
Title: Re: My next app-o-rama...
Post by: Zalmy2 on March 03, 2013, 11:38:38 AM
Is 5 month from last inquiry enough time? Should I wait another month?
Title: Re: My next app-o-rama...
Post by: sky121 on March 03, 2013, 11:40:32 AM
Is 5 month from last inquiry enough time? Should I wait another month?

It depends what your credit report is like to begin with but for most people yes it's enough time.  Personally I stick to about every 3 months.
Title: Re: My next app-o-rama...
Post by: Zalmy2 on March 03, 2013, 11:59:18 AM
It depends what your credit report is like to begin with but for most people yes it's enough time.  Personally I stick to about every 3 months.
I currently have amex delta blue spg. chase freddom sp. For a total cl of over 20k

Thinking of getting Amex Spg business prg and 1 more (?)  Chase ink plus/classic and united.

Sounds good ? Should I try more or less or other cards?
Thanks
Title: Re: My next app-o-rama...
Post by: yudel on March 03, 2013, 11:12:48 PM
so i had these big plans to do an aor but i did not realize my yr was up and i just got hit with my AF on mach 1st for my SP WMC, is there a way for me to downgrade it or shut it down and get the AF reimbursed?

Maybe i'm wrong but I seem to recall that you can downgrade to a freedom card
Title: Re: My next app-o-rama...
Post by: rots5 on March 04, 2013, 06:20:24 AM
Maybe i'm wrong but I seem to recall that you can downgrade to a freedom card
have one. but i ill downgrade it to a Sapphire reg
Title: Re: My next app-o-rama...
Post by: wierdal832 on March 04, 2013, 09:11:23 AM
helped out a friend last night, getting him into the cc game, did the BA, united and SP then amex gold, spg, and delta. instant approval on all 6 
Title: Re: My next app-o-rama...
Post by: sky121 on March 04, 2013, 09:14:11 AM
instant approval on all 6
Nice!
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 04, 2013, 09:16:36 AM
helped out a friend last night, getting him into the cc game, did the BA, united and SP then amex gold, spg, and delta. instant approval on all 6

He must have very good credit. And being that he's new to the game, he doesn't have many pulls.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 04, 2013, 12:52:28 PM
helped out a friend last night, getting him into the cc game, did the BA, united and SP then amex gold, spg, and delta. instant approval on all 6
Pretty sweet.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 04, 2013, 01:13:44 PM
How long should I wait in between a Chase 4bm and Amex 4bm? Does it have to be one right after another or can I wait a couple of hours?
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 04, 2013, 01:16:40 PM
How long should I wait in between a Chase 4bm and Amex 4bm? Does it have to be one right after another or can I wait a couple of hours?
As long as they're both in the same day AOR is accomplished.
Title: Re: My next app-o-rama...
Post by: sruly101 on March 04, 2013, 03:41:45 PM
Wanna do my first AOR this weekend would like to hear your advice!

These cards i have now:
Chase: Freedom, SPWMC, UMPE, (Had BA, SPV, closed them) No business yet with Chase

CITI: AAdvantage Visa, dividend WMC, No business yet with CITI

AMEX: Plat consumer, gold business

Cap1: Plat (simple stupid card, holding open cuz my first card)

Would like to try now for the first time by chase ans citi business cards so,
Chase
IB
IP
UA
CITI
AAdvantage Business,             Is there anything to add by CITI?

Would like to know what to add and if to add!
Just wand to mention and would like to know if it is a problem, that in the last few months i used about %250 usage of credit limits on a few cards within Chase and Citi, but everything is paid of in full by the due date, Can it harm me now?

Thanks
Title: Re: My next app-o-rama...
Post by: AWAYD on March 05, 2013, 10:48:11 AM
Here is the question

Currently on hands

1. AMEX : Blue Preferred (don't ask..), Delta, Premier Rewards gold regular & Business
2. Chase Freedom & Southwest

Amex's were opened through 4BM in January.

I am ready for the next set. Following questions:

1. Is it too early?
2. What cards (I was thinking Chase Sapphire Preferred & maybe United, have no idea what to set as 3rd)

Any help from seasoned churners would be appreciated
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 05, 2013, 11:33:16 AM
Here is the question

Currently on hands

1. AMEX : Blue Preferred (don't ask..), Delta, Premier Rewards gold regular & Business
2. Chase Freedom & Southwest

Amex's were opened through 4BM in January.

I am ready for the next set. Following questions:

1. Is it too early?
2. What cards (I was thinking Chase Sapphire Preferred & maybe United, have no idea what to set as 3rd)

Any help from seasoned churners would be appreciated
I would wait 90 days in between apps.
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 01:29:03 PM
Chase
United Explorer 35k
SP 40k
Southwest Premier 50k

Are there better sign up bonuses for these cards? Just wanna make sure before I sign up.
TIA
Title: Re: My next app-o-rama...
Post by: sruly101 on March 06, 2013, 01:30:31 PM
Are there better sign up bonuses for these cards? Just wanna make sure before I sign up.
TIA
United just SM them and they will match the 50k offer
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 01:45:39 PM
United just SM them and they will match the 50k offer

Thanks.
Title: Re: My next app-o-rama...
Post by: wierdal832 on March 06, 2013, 01:48:02 PM
random q, how does every1 in israel meet the spending thresholds. i assume they dont have VR there
Title: Re: My next app-o-rama...
Post by: rots5 on March 06, 2013, 01:53:44 PM
random q, how does every1 in israel meet the spending thresholds. i assume they dont have VR there
actually. Yossies started selling them a few months ago..... Lol ... Well ppl have bissinesses that use the cc till the thresholds. Or like i had recently - bought jab :-( and tickets for Pesach
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 01:56:07 PM
random q, how does every1 in israel meet the spending thresholds. i assume they dont have VR there

Some of the cards have no foreign transaction fees.
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 06, 2013, 01:57:20 PM
Some of the cards have no foreign transaction fees.

The ones with no forex fees, do they just convert it according to the market rate without any commission like all chalfanei ksafim?
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 01:58:11 PM
The ones with no forex fees, do they just convert it according to the market rate without any commission like all chalfanei ksafim?

The money changers don't give the sha'ar hayatzig. CC's do IME.
Title: Re: My next app-o-rama...
Post by: rots5 on March 06, 2013, 01:59:53 PM
The ones with no forex fees, do they just convert it according to the market rate without any commission like all chalfanei ksafim?
i usually get the best rate at the days beginning.
Title: Re: My next app-o-rama...
Post by: Red on March 06, 2013, 02:12:20 PM
United just SM them and they will match the 50k offer
55k + $50 statement credit
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 05:11:05 PM
Chase
United Explorer 55k
SP 40k
Southwest Premier 50k

I just did this 3bm and got "needs further review" for all 3.
Is it possible that I'll get all 3 cards without a ton of HUCA?
Title: Re: My next app-o-rama...
Post by: rots5 on March 06, 2013, 05:12:00 PM
I just did this 3bm and got "needs further review" for all 3.
Is it possible that I'll get all 3 cards without a ton of HUCA?
yes. good luck.
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 05:14:35 PM
yes. good luck.

Thanks. I'm scared because I've never had any of those cards before, nor a bad history with Chase, and still didn't get approved for any of them.
Title: Re: My next app-o-rama...
Post by: sruly101 on March 06, 2013, 05:39:39 PM
Keep us updated
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 06:14:54 PM
I just did this 3bm and got "needs further review" for all 3.
Is it possible that I'll get all 3 cards without a ton of HUCA?

When do I start HUCA'ing?
When I get the letters in the mail or do I start now?
Title: Re: My next app-o-rama...
Post by: judahk88 on March 06, 2013, 06:17:26 PM
When do I start HUCA'ing?
When I get the letters in the mail or do I start now?
Start now. And keep HUCA'ing until you get what you want
Title: Re: My next app-o-rama...
Post by: yuneeq on March 06, 2013, 06:37:46 PM
Start now. And keep HUCA'ing until you get what you want

Thanks. Though I just found on DD http://www.dansdeals.com/archives/16036

Quote
Hints:
-If you have you Application ID (when you apply for your card view your browser’s page source and search for APPID) you can call reconsideration right away. Otherwise it’s probably best to just wait the up to 30 days that it can take to get a decision by mail and then call with the reference number.

I don't have the APPID so I'm just gonna wait it out.
Title: Re: My next app-o-rama...
Post by: mmermss on March 06, 2013, 06:55:09 PM
Thanks. Though I just found on DD http://www.dansdeals.com/archives/16036

I don't have the APPID so I'm just gonna wait it out.
Call them up. Ask them for app id's for each card. HUCA and tell them one app id number per phone call.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 06, 2013, 07:36:34 PM
Call them up. Ask them for app id's for each card. HUCA and tell them one app id number per phone call.
I called without any app ids and got approved. Just give ssn.
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 06, 2013, 07:37:08 PM
Thanks. Though I just found on DD http://www.dansdeals.com/archives/16036

I don't have the APPID so I'm just gonna wait it out.
You don't need the ID numbers to HUCA. Just tell them which card your calling about.
Title: Re: My next app-o-rama...
Post by: Baruch on March 06, 2013, 07:46:21 PM
have one. but i ill downgrade it to a Sapphire reg
If it's a sap reg, by recon they may say just upgrade your existing card.
Title: Re: My next app-o-rama...
Post by: Saver2000 on March 07, 2013, 12:02:17 AM
I called without any app ids and got approved. Just give ssn.
You don't need the ID numbers to HUCA. Just tell them which card your calling about.
The point of calling first and getting the app ID's, and then calling in about each app separately is so the recon rep doesn't see that you just applied for 3 cards.

If you give them a specific app ID as opposed to your ss, they'll only see the individual app that your calling about.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 12:15:52 AM
The point of calling first and getting the app ID's, and then calling in about each app separately is so the recon rep doesn't see that you just applied for 3 cards.

If you give them a specific app ID as opposed to your ss, they'll only see the individual app that your calling about.
I hear that. Makes sense. Good to know for the future.
Title: Re: My next app-o-rama...
Post by: yuneeq on March 07, 2013, 08:04:37 AM
Call them up. Ask them for app id's for each card. HUCA and tell them one app id number per phone call.

Do I call recon for the AppId numbers or CS? I don't want recon to say anything to me..

ETA: I spoke to CS. The guy says he doesn't see any AppId numbers and therefore he can't help me. He further said that even recon uses ssn to look up. apps and not appid's.
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 08:20:09 AM
so here is my AOR so far....just finished....not to great :-(
boy do i have a full day ahead of me now!!


chase biz:
IB - pending
IP - pending
UA - pending

Chase Personal:
Hyatt - pending
SP Visa - pending

Citi:
AA Visa - Approved
AA amex - Approved
Title: Re: My next app-o-rama...
Post by: mmermss on March 07, 2013, 08:27:19 AM
Do I call recon for the AppId numbers or CS? I don't want recon to say anything to me..

ETA: I spoke to CS. The guy says he doesn't see any AppId numbers and therefore he can't help me. He further said that even recon uses ssn to look up. apps and not appid's.
Alrighty so I will teach you rule number one...do not believe everything a rep tells you.
Title: Re: My next app-o-rama...
Post by: yuneeq on March 07, 2013, 08:34:34 AM
so here is my AOR so far....just finished....not to great :-(
boy do i have a full day ahead of me now!!


chase biz:
IB - pending
IP - pending
UA - pending

Chase Personal:
Hyatt - pending
SP Visa - pending

Citi:
AA Visa - Approved
AA amex - Approved

Congrats on getting approved for both citi apps!

@mmerms Thanks. That's what I was hoping to hear.
Title: Re: My next app-o-rama...
Post by: Kn9ght on March 07, 2013, 09:07:55 AM
How did you get approved for both Citi cards? Mind sharing your tricks?
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 07, 2013, 09:15:57 AM
The point of calling first and getting the app ID's, and then calling in about each app separately is so the recon rep doesn't see that you just applied for 3 cards.

If you give them a specific app ID as opposed to your ss, they'll only see the individual app that your calling about.

I could be wrong but I highly doubt doing this will cause them not to see all your apps. They have a lot at their disposal including your CR and your full history with chase and all your apps. I don't think you can fool them like this.
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 09:30:41 AM
so here is my AOR so far....just finished....not to great :-(
boy do i have a full day ahead of me now!!


chase biz:
IB - pending
IP - pending
UA - pending

Chase Personal:
Hyatt - pending
SP Visa - pending

Citi:
AA Visa - Approved
AA amex - Approved
I very much doubt that you're going to get approved for 5 chase cards. Good luck though!
When was your last app-o-rama?
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 09:32:30 AM
I very much doubt that you're going to get approved for 5 chase cards. Good luck though!
When was your last app-o-rama?
Why? 3 are Biz and 2 personal. I got approved for 3 personal and 2 biz. took a few HUCA's, but it worked.
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 09:33:47 AM
Why? 3 are Biz and 2 personal. I got approved for 3 personal and 2 biz. took a few HUCA's, but it worked.
Well then, I stand corrected.  If willing to go for the 2 pulls, might as well go all out :-)
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 09:39:37 AM
I very much doubt that you're going to get approved for 5 chase cards. Good luck though!
When was your last app-o-rama?
so i called up chase biz and she grilled me but she came back and said ur approved for all three with 5k each as she went to finish my app s i got disconnected. I called back and found her and she said for some reason the IB didnt go theu - she is so sorry.  But i asked can i transfer credit she said no have to wait 30 days to re-apply. So i will huca after shuir  :) i will call about personal also after shuir. In forty min

And i just took a random chance with the AA.  Thanks to jj1000's advice.
Title: Re: My next app-o-rama...
Post by: sky121 on March 07, 2013, 09:46:33 AM
so i called up chase biz and she grilled me but she came back and said ur approved for all three with 5k each as she went to finish my app s i got disconnected. I called back and found her and she said for some reason the IB didnt go theu - she is so sorry.  But i asked can i transfer credit she said no have to wait 30 days to re-apply. So i will huca after shuir  :) i will call about personal also after shuir. In forty min

And i just took a random chance with the AA.  Thanks to jj1000's advice.

Did you call in about the AA's?

       Congrats!
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 09:49:31 AM
Did you call in about the AA's?

       Congrats!
thanks!!!

No AA was instant. Jj1000 said gotta do both the exact same time.
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 09:52:25 AM
thanks!!!

No AA was instant. Jj1000 said gotta do both the exact same time.

A True 2 BM on them.
Title: Re: My next app-o-rama...
Post by: yuneeq on March 07, 2013, 11:58:01 AM
Alrighty so I will teach you rule number one...do not believe everything a rep tells you.

All the reps tell me the same exact thing. They don't have access to an appid or reference number, but they all forward me to the "lending dpt" which I'm sure is slang for recon. So should I just speak to recon straight and ask for the appids or will that get me flagged?
Title: Re: My next app-o-rama...
Post by: mmermss on March 07, 2013, 01:33:30 PM
All the reps tell me the same exact thing. They don't have access to an appid or reference number, but they all forward me to the "lending dpt" which I'm sure is slang for recon. So should I just speak to recon straight and ask for the appids or will that get me flagged?
Yes. Thats what I do.
Title: Re: My next app-o-rama...
Post by: mmermss on March 07, 2013, 01:48:27 PM

Citi:
AA Visa - Approved
AA amex - Approved

Very tempted on trying this now...if I dont get approved instantly do I have a chance via recon to get both?
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 01:56:38 PM
thanks!!!

No AA was instant. Jj1000 said gotta do both the exact same time.
How do you do exact same time? 2 computers?
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:00:21 PM
How do you do exact same time? 2 computers?
27 inch screen  8)

Very tempted on trying this now...if I dont get approved instantly do I have a chance via recon to get both?
i have no idea, as jj1000 mentioned, its taking a very big chance
Title: Re: My next app-o-rama...
Post by: mmermss on March 07, 2013, 02:02:01 PM
How do you do exact same time? 2 computers?
Are you asking how to do a 2BM?

2BM= 2 Browser Method.  1 computer, 2 browsers.
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:03:56 PM
Are you asking how to do a 2BM?

2BM= 2 Browser Method.  1 computer, 2 browsers.
No. It seems like jj1000 is suggesting, that with Citi 2bm is possible if done same second.
Btw, I can't find where jj1000 said this. @rots5 - did he pm you?
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:04:19 PM
27 inch screen  8)
NICE!
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:07:39 PM
27 inch screen  8)

you still have to move the mouse.
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:08:17 PM
NICE!
thanks...its my wifes biz comp...i get the 5 inch iphone  8)

No. It seems like jj1000 is suggesting, that with Citi 2bm is possible if done same second.
Btw, I can't find where jj1000 said this. @rots5 - did he pm you?
gotta be at more DO's  :D

Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:15:26 PM
you still have to move the mouse.
doesnt have to be the exact same second
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:17:19 PM
thanks...its my wifes biz comp...i get the 5 inch iphone  8)
lucky you
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:17:51 PM
doesnt have to be the exact same second
For what? General 2bm, or beating citi's anti 2bm policy - 2bm?
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:19:37 PM
For what? General 2bm, or beating citi's anti 2bm policy - 2bm?
General 2BM
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:21:22 PM
lucky you
for the iphone? or my wifes work :-)
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:22:27 PM
for the iphone? or my wifes work :-)
Mostly the screen
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:23:14 PM
Mostly the screen
lol. got a great deal. it was on macmall, gotta say somehow very worth it!
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:24:11 PM
lol. got a great deal. it was on macmall, gotta say somehow very worth it!
I dont have a desktop only a laptop, but when I do get a desktop im gonna have amonster screen. :)
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:25:24 PM
I dont have a desktop only a laptop, but when I do get a desktop im gonna have amonster screen. :)
very worth it!

anyways back on topic,

i did a 3bm on biz - i didnt get the IB but got the IP + UA

should i huca or just give it a day or so. they said that i cannot get the IB i have to wait 30 days
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:27:17 PM
very worth it!

anyways back on topic,

i did a 3bm on biz - i didnt get the IB but got the IP + UA

should i huca or just give it a day or so. they said that i cannot get the IB i have to wait 30 days
I did the same 3 cards a few weeks back and got  IB and IP and said to call back in a few weeks and will get UA approved which I am going to do today.
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 02:27:39 PM
very worth it!

anyways back on topic,

i did a 3bm on biz - i didnt get the IB but got the IP + UA

should i huca or just give it a day or so. they said that i cannot get the IB i have to wait 30 days
My guess is HUCA - how can it hurt?
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:27:49 PM
I did the same 3 cards a few weeks back and got  IB and IP and said to call back in a few weeks and will get UA approved which I am going to do today.
GL
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 07, 2013, 02:28:53 PM
very worth it!

anyways back on topic,

i did a 3bm on biz - i didnt get the IB but got the IP + UA

should i huca or just give it a day or so. they said that i cannot get the IB i have to wait 30 days
You can't give up now. You got so far.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:29:13 PM
GL
Thanks. Hopefully wont be an issue.
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:32:04 PM
General 2BM
Of course not.
I'm talking about JJ1000's Grand Citi 2BM Mehalech.   :)
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:33:04 PM
Of course not.
I'm talking about JJ1000's Grand Citi 2BM Mehalech.   :)
Gotcha
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:34:05 PM
Of course not.
I'm talking about JJ1000's Grand Citi 2BM Mehalech.   :)
lol jjgm

its officially coined in regards to the AA cards!!
Title: Re: My next app-o-rama...
Post by: businessmachine on March 07, 2013, 02:35:34 PM
I don't get how JJ's method is different. I tried a 2bm and applied for 2 AAs within 1 second- as in click and click and only one was approved....what are you doing different?
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:36:11 PM
I don't get how JJ's method is different. I tried a 2bm and applied for 2 AAs within 1 second- as in click and click and only one was approved....what are you doing different?
nothing, as jj1000 said, its all luck!  :)
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:36:32 PM
I don't get how JJ's method is different. I tried a 2bm and applied for 2 AAs within 1 second- as in click and click and only one was approved....what are you doing different?
I guess YMMV.
Title: Re: My next app-o-rama...
Post by: jj1000 on March 07, 2013, 02:39:54 PM
You guys got to read DDF more if you think that "trick" has anything to do with me.
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:42:05 PM
You guys got to read DDF more if you think that "trick" has anything to do with me.
Please explain.
According to rots5 you told him to do the same second to get arround the fact that Citi started rejecting 2bms.
Title: Re: My next app-o-rama...
Post by: jj1000 on March 07, 2013, 02:45:55 PM
Please explain.
According to rots5 you told him to do the same second to get arround the fact that Citi started rejecting 2bms.
That is always how you should do multiple applications.

""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."
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 02:46:08 PM
Please explain.
According to rots5 you told him to do the same second to get arround the fact that Citi started rejecting 2bms.
methinks JJ was just passing on info, not taking credit for discovering a potential GM
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 02:52:40 PM
Rots5 suggested that the reason why he managed to get his 2bm approved even though lately people haven't been able to was because you said you'd be able to bypass this prob by clicking the same second.
YOU DO NOT HAVE TO CLICK THE SAME SECOND FOR A REGULAR 2BM!
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 07, 2013, 02:56:05 PM
YOU DO NOT HAVE TO CLICK THE SAME SECOND FOR A REGULAR 2BM!
Why the screaming :o :o

Technically you don't, but when your dealing with very touchy issues, it's better too.
Title: Re: My next app-o-rama...
Post by: jj1000 on March 07, 2013, 02:56:15 PM
YOU DO NOT HAVE TO CLICK THE SAME SECOND FOR A REGULAR 2BM!
OK. I mean I quoted Dan's definition of a 3BM from over a year ago... But you can wait between your clicks if you'd like.
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 02:57:29 PM
Rots5 suggested that the reason why he managed to get his 2bm approved even though lately people haven't been able to was because you said you'd be able to bypass this prob by clicking the same second.
YOU DO NOT HAVE TO CLICK THE SAME SECOND FOR A REGULAR 2BM!
why u getting so upset at me?! really...dude settle down a bit.
Title: Re: My next app-o-rama...
Post by: businessmachine on March 07, 2013, 02:59:24 PM
methinks JJ was just passing on info, not taking credit for discovering a potential GM

I agree...rots5 just got lucky. This is the first reported success I heard in a month. Good for you rots!
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 02:59:51 PM
YOU DO NOT HAVE TO CLICK THE SAME SECOND FOR A REGULAR 2BM!
Didnt i tell you that before?
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 03:00:34 PM
yes, i got very lucky by chance! jj1000 is just my scapegoat
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 03:00:49 PM
why u getting so upset at me?! really...dude settle down a bit.
I like imagining people typing so angry... slamming the keyboard!  :)
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 03:01:36 PM
I like imagining people typing so angry... slamming the keyboard!  :)
hilarious!!  ;D ;D
Title: Re: My next app-o-rama...
Post by: judahk88 on March 07, 2013, 03:02:26 PM
hilarious!!  ;D ;D
Oh ya!  >:( >:( >:( >:( >:(
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 03:08:17 PM
Alright children, simmadonna. I think Boruch was just confused by the 3 BM/same exact second issue and felt like he was being teased. To be fair I also thought Rots meant he was using 2 computers and pressed apply at the same time on both.
I might do that when I do the citi aa app.
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 03:13:08 PM
Alright children, simmadonna. I think Boruch was just confused by the 3 BM/same exact second issue and felt like he was being teased. To be fair I also thought Rots meant he was using 2 computers and pressed apply at the same time on both.
I might do that when I do the citi aa app.
i would actually try that!  Sorry Baruch was not teasing you at all!
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 03:27:13 PM
I AM NOT ANGRY!!!!!!!!!!!!!!!  >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:(
 ;) :D ;D :)
I'm not angry at anyone. I was just trying to stress that point. I guess I should have bolded it.

BTW, I'm very confused about what jj1000 did tell rots5. I think I'll never figure it out :)
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 07, 2013, 03:28:27 PM
I AM NOT ANGRY!!!!!!!!!!!!!!!  >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:( >:(
 ;) :D ;D :)
I'm not angry at anyone. I was just trying to stress that point. I guess I should have bolded it.

BTW, I'm very confused about what jj1000 did tell rots5. I think I'll never figure it out :)
Think JJ just reiterated Dan's 3BM concept -@rots am i wrong? did he tell you something different?
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 07, 2013, 03:29:14 PM
BTW, I'm very confused about what jj1000 did tell rots5. I think I'll never figure it out :)

+1 the last couple of pages of this thread are very confusing.

(BTW I didn't think you were yelling either).
Title: Re: My next app-o-rama...
Post by: Baruch on March 07, 2013, 03:31:57 PM
I agree...rots5 just got lucky. This is the first reported success I heard in a month. Good for you rots!
I was approved on the Amex instantly and the Visa after a week by mail without a recon, both personal cards.
:)
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 07, 2013, 03:34:22 PM
I wrote over a week ago to the executive office in SD. How long should I wait for an answer? Another few weeks?
Title: Re: My next app-o-rama...
Post by: rots5 on March 07, 2013, 03:39:47 PM
No one was really yelling and jj1000 just reiterated the point of a quick 2bm with AA
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 07, 2013, 03:41:44 PM
And they lived happily ever after. Zzzzzzzzzz
Title: Re: My next app-o-rama...
Post by: MrsZev on March 07, 2013, 11:15:43 PM
so.... I found this thread looking for where to post my next AOR plan & be open for advice... is that correct? I also am a bit confused having read the last 5 pages or so ;)
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 07, 2013, 11:19:30 PM
so.... I found this thread looking for where to post my next AOR plan & be open for advice... is that correct? I also am a bit confused having read the last 5 pages or so ;)

Right place
Title: Re: My next app-o-rama...
Post by: mmermss on March 07, 2013, 11:29:54 PM
so.... I found this thread looking for where to post my next AOR plan & be open for advice... is that correct? I also am a bit confused having read the last 5 pages or so ;)
No need to read the last five pages. They consist of other people's AOR. You can post what you would like to do and we can help you out to get the best AOR for you  :)
Title: Re: My next app-o-rama...
Post by: MrsZev on March 07, 2013, 11:49:41 PM
Lovely, thanks :)

This is my first true AOR. I've got a handful of cards, but have just started identifying how I'm going to use miles, so now I have goals!

DH has no good loyalty cards, this is his introduction to The Churn.
Chase - Southwest Plus personal, Southwest Plus business (He's a Jewish rock star)
Amex - Business Gold on 75K link
Citi - AA Visa & Amex on 2BM (very quickly, apparently)

I'm looking to top off my Southwest miles. I have a personal Southwest Premier and a Business Southwest Premier, and I'm hoping I can get the 50K sign up again going for the Plus. What's the chance of not getting the bonus for the Plus?

Also for me, Chase Priority Club Visa whose 80K after $1K spend should net me the free nights I want for Paris in May.

Title: Re: My next app-o-rama...
Post by: Redbull3 on March 08, 2013, 09:12:00 AM
Lovely, thanks :)

This is my first true AOR. I've got a handful of cards, but have just started identifying how I'm going to use miles, so now I have goals!
  • Get Citi AA cards while they're available (they're still available, right??)
  • Max Southwest Miles & get Companion Pass for DH (I will have mine in 3 days, so with DH's CP our whole fam flies free)
  • Hotel card I can use for free nights in Paris in May this year

DH has no good loyalty cards, this is his introduction to The Churn.
Chase - Southwest Plus personal, Southwest Plus business (He's a Jewish rock star)
Amex - Business Gold on 75K link
Citi - AA Visa & Amex on 2BM (very quickly, apparently)

I'm looking to top off my Southwest miles. I have a personal Southwest Premier and a Business Southwest Premier, and I'm hoping I can get the 50K sign up again going for the Plus. What's the chance of not getting the bonus for the Plus?

Also for me, Chase Priority Club Visa whose 80K after $1K spend should net me the free nights I want for Paris in May.

Throw in a Amex SPG for sure
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 08, 2013, 09:53:14 AM
Lovely, thanks :)

This is my first true AOR. I've got a handful of cards, but have just started identifying how I'm going to use miles, so now I have goals!
  • Get Citi AA cards while they're available (they're still available, right??)
  • Max Southwest Miles & get Companion Pass for DH (I will have mine in 3 days, so with DH's CP our whole fam flies free)
  • Hotel card I can use for free nights in Paris in May this year

DH has no good loyalty cards, this is his introduction to The Churn.
Chase - Southwest Plus personal, Southwest Plus business (He's a Jewish rock star)
That will be 2 pulls as chase biz and personal is seperate pull.  I'd throw in the Ink Bold charge (http://www.dansdeals.com/go/inkbold50/) and Ink Plus (http://www.dansdeals.com/go/inkplus50/)cards on the business pull as well. If your feeling frisky, throw in the Hyatt on personal and Sapphire Preferred (http://www.dansdeals.com/go/SapphireVisa/) although it's unlikely you'd get approved for 6 chase cards at once )

Amex - Business Gold on 75K link
Amex is 1 pull for all cards, so i'd throw in the PRG 50K and maybe the Delta 45K (both via offer matching at Creditcards.com (http://www.dansdeals.com/go/creditcards/) or the Persona (http://www.dansdeals.com/go/creditcards/) and/or business (http://www.dansdeals.com/go/starwoodbusiness/) Starwoods card

Citi - AA Visa & Amex on 2BM[ (very quickly, apparently)
Rots5 got approved for both yesterday but this has been highly unusual of late.  Chances are not good for dual approval (see Dan's post yesterday for more about recon (http://www.dansdeals.com/archives/29113).

I'm looking to top off my Southwest miles. I have a personal Southwest Premier and a Business Southwest Premier, and I'm hoping I can get the 50K sign up again going for the Plus. What's the chance of not getting the bonus for the Plus?

Also for me, Chase Priority Club Visa whose 80K after $1K spend should net me the free nights I want for Paris in May.
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 08, 2013, 11:47:17 AM


Can you explain how to match to delta gold 45k? Unsure about your reference to creditcards.com and persona they have 30k links.
Title: Re: My next app-o-rama...
Post by: AWAYD on March 08, 2013, 11:55:50 AM
Can you explain how to match to delta gold 45k? Unsure about your reference to creditcards.com and persona they have 30k links.

You go to creditcards.com  - Top left (couple rows down) - there are offers matched for you.

You DO NOT have to give social

There you currently have 50K PRG & 45K Delta - click on the link and apply
Title: Re: My next app-o-rama...
Post by: AWAYD on March 08, 2013, 11:57:48 AM
So, thinking about Chase escapade today

Sapphire preferred, United Mileage Plus & Hyatt.

On united I can be matched to 55K & 50 credit. What about Sapphire and Hyatt?

+ Other good alternative for Hyatt?
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 08, 2013, 12:03:08 PM
So, thinking about Chase escapade today

Sapphire preferred, United Mileage Plus & Hyatt.

On united I can be matched to 55K & 50 credit. What about Sapphire and Hyatt?

+ Other good alternative for Hyatt?
SP is 40K. Haven't heard of any matching for that. You just missed the BA 100K. I think those 3 are generally the best Chase, although I'm hearing more and more good things about Southwest, just haven't looked into it too much.
Title: Re: My next app-o-rama...
Post by: AWAYD on March 08, 2013, 12:08:23 PM
Have Southwest already :)
Title: Re: My next app-o-rama...
Post by: MrsZev on March 08, 2013, 12:18:58 PM
Citi - AA Visa & Amex on 2BM[ (very quickly, apparently)
Rots5 got approved for both yesterday but this has been highly unusual of late.  Chances are not good for dual approval (see Dan's post yesterday for more about recon.

I thought the current theory on the Citi AA cards is to specifically not call... So, write or wait, right?

I'm trying to get a card with a high-enough limit that I can charge our kids' tuition in full (with the plan of transferring the balance to a new Chase Slate). Is there a better chance of getting a higher limit by opening more cards (then closing/consolidating credit lines), or by opening fewer cards?

I'd throw in the Ink Bold charge and Ink Plus cards on the business pull as well. If your feeling frisky, throw in the Hyatt on personal and Sapphire Preferred although it's unlikely you'd get approved for 6 chase cards at once )
I don't fancy poking at Chase with 6 apps at once! ;) But... my goal with a personal & biz was to get 2 Southwest cards... can I get the biz plus & premier at the same time, and still get both bonuses? That would be my first choice!
Title: Re: My next app-o-rama...
Post by: noturbizniss on March 08, 2013, 12:24:47 PM
...my goal with a personal & biz was to get 2 Southwest cards... can I get the biz plus & premier at the same time, and still get both bonuses? That would be my first choice!
Not sure. I believe there's a SW thread here (http://forums.dansdeals.com/index.php?topic=8370.650), maybe someone can help you out. I don't know much about SW.
Title: Re: My next app-o-rama...
Post by: wierdal832 on March 10, 2013, 11:54:51 AM
You go to creditcards.com  - Top left (couple rows down) - there are offers matched for you.

You DO NOT have to give social

There you currently have 50K PRG & 45K Delta - click on the link and apply
It's not a big deal if I give ur social. It's not a hard pull
Title: Re: My next app-o-rama...
Post by: wierdal832 on March 10, 2013, 11:58:12 AM
SP is 40K. Haven't heard of any matching for that. You just missed the BA 100K. I think those 3 are generally the best Chase, although I'm hearing more and more good things about Southwest, just haven't looked into it too much.

U can still get 50k for the ba which is good. And the sw card if u get the biz and reg all u need to do is spend 6k (a few trips to cvs) and u get a companion pass which I think it's my talked abt enough how valuable it is
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 07:15:15 AM
Started my AOR today!
AA Biz Visa: instant approved
IP: Review
IB: Review Cant call yet only in one hour,

Want to add the UA biz, should i do it now or wait till i talk to recon for the first 2? 
Title: Re: My next app-o-rama...
Post by: yuneeq on March 11, 2013, 10:41:56 AM
Started my AOR today!
AA Biz Visa: instant approved
IP: Review
IB: Review Cant call yet only in one hour,

Want to add the UA biz, should i do it now or wait till i talk to recon for the first 2?

Sounds like a 4bm, not an AOR.  I doubt you'll get approved for all 4 but it shouldn't hurt to try.
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 10:45:18 AM
Sounds like a 4bm, not an AOR.  I doubt you'll get approved for all 4 but it shouldn't hurt to try.
Well why a 4bm? its 3 from chase and 1 from citi?
Title: Re: My next app-o-rama...
Post by: yuneeq on March 11, 2013, 11:15:06 AM
Well why a 4bm? its 3 from chase and 1 from citi?

Oops missed that. You may as well try to get another citi card or two once you're getting pulled already.
Title: Re: My next app-o-rama...
Post by: judahk88 on March 11, 2013, 11:23:49 AM
Oops missed that. You may as well try to get another citi card or two once you're getting pulled already.
+1 once your doing and AOR might as well get your money worth  ;)
Title: Re: My next app-o-rama...
Post by: AJK on March 11, 2013, 11:53:08 AM
Oops missed that. You may as well try to get another citi card or two once you're getting pulled already.

+1 once your doing and AOR might as well get your money worth  ;)

Perhaps you guys should suggest another Citi business card...
Title: Re: My next app-o-rama...
Post by: judahk88 on March 11, 2013, 11:55:54 AM
Perhaps you guys should suggest another Citi business card...
Agreed. you can check here (http://forums.dansdeals.com/index.php?topic=25991.0) for some other Citi cards.
Title: Re: My next app-o-rama...
Post by: AJK on March 11, 2013, 12:10:13 PM
Agreed. you can check here (http://forums.dansdeals.com/index.php?topic=25991.0) for some other Citi cards.

Perhaps you guys should suggest another Citi business card...
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 01:51:57 PM
Perhaps you guys should suggest another Citi business card...
+1
Title: Re: My next app-o-rama...
Post by: PETERP on March 11, 2013, 02:06:07 PM
+1

Why leave out BOA or  Barclays if first time,  or feeling lucky .   
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 02:09:27 PM
Why leave out BOA or  Barclays if first time,  or feeling lucky .
Well still didnt get through with 1 chase even.... :'(. dont want to pull it+ never tried them or learned on them!
Title: Re: My next app-o-rama...
Post by: businessmachine on March 11, 2013, 02:09:57 PM
Why leave out BOA or  Barclays if first time,  or feeling lucky .

I'm not sure boa is worth the 2 pulls now that Hilton will be worthless....barcalys has also been a hit or miss lately ..
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 11, 2013, 02:32:37 PM
Started my AOR today!
AA Biz Visa: instant approved
IP: Review
IB: Review Cant call yet only in one hour,

Want to add the UA biz, should i do it now or wait till i talk to recon for the first 2?
Why no AMEX.
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 02:39:33 PM
Why no AMEX.
Long story........ need to shut down existing AMEX due to F/R :-[
Title: Re: My next app-o-rama...
Post by: rots5 on March 11, 2013, 05:17:09 PM
Long story........ need to shut down existing AMEX due to F/R :-[
what about biz?
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 11, 2013, 05:18:06 PM
Long story........ need to shut down existing AMEX due to F/R :-[

Sounds like a short story lol
Title: Re: My next app-o-rama...
Post by: sruly101 on March 11, 2013, 05:20:52 PM
what about biz?
Well F/R is on whole Amex account!!!
Title: Re: My next app-o-rama...
Post by: terrificreport on March 12, 2013, 12:51:04 AM
How long ago did you have f/r? I am wondering for how long are you flagged?
Title: Re: My next app-o-rama...
Post by: sruly101 on March 12, 2013, 09:07:34 AM
How long ago did you have f/r? I am wondering for how long are you flagged?
How can i tell this?
Title: Re: My next app-o-rama...
Post by: terrificreport on March 12, 2013, 06:21:35 PM
Multiple ways.

If you applied for AMEX and they rejected you.

1. When you called to inquire why - they explained because of f/r

or

2. you were rejected without an AMEX hard inquiry


and of course,

3. if you were approved.

I was subject to f/r about 5 years ago. Recently, I applied for the AMEX 75k card as my first app in AOR, but, of course, their system was having trouble at the time. Application did not got through, no hard inquiry and no rejection (i keep on getting emails from amex to come back and fill my application).

I am trying to figure out if my file is still flagged in their systems
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 13, 2013, 01:50:26 PM
Hey guys,
I need some advice regarding my next AOR

1) I'm thinking citi 2bm with AA (do 2bm's even work with citi anymore??) Or possibly 3bm (Thank You card)

2) If BofA Cards are churnable I was thinking the Virgin 50k card along with Hawaiian card(s)

3)Barclays 2bm with UsAir cards (2 of the same product, hope it works)

4) Chase: I switched my sapphire visa to a mc and would like to reopen the visa along with the Ink plus (I already have the bold)

5) Amex is not an option because I've had most of their products within a year

Thanks in advance!
Title: Re: My next app-o-rama...
Post by: Baruch on March 13, 2013, 01:53:59 PM
Hey guys,
I need some advice regarding my next AOR

1) I'm thinking citi 2bm with AA (do 2bm's even work with citi anymore??) Or possibly 3bm (Thank You card)

2) If BofA Cards are churnable I was thinking the Virgin 50k card along with Hawaiian card(s)

3)Barclays 2bm with UsAir cards (2 of the same product, hope it works)

4) Chase: I switched my sapphire visa to a mc and would like to reopen the visa along with the Ink plus (I already have the bold)

5) Amex is not an option because I've had most of their products within a year

Thanks in advance!
Read up the AA thread citi aa 2bm is basically dead
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 13, 2013, 01:56:41 PM
Read up the AA thread citi aa 2bm is basically dead
Skimmed the thread
Thanks, so I guess I'll have to choose 1 citi card...  :'(
Title: Re: My next app-o-rama...
Post by: Baruch on March 13, 2013, 02:07:19 PM
Skimmed the thread
Thanks, so I guess I'll have to choose 1 citi card...  :'(
no. add a mc gold 30k. read up the thread dont skim  :)
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 13, 2013, 03:58:14 PM
no. add a mc gold 30k. read up the thread dont skim  :)
Sorry, i'm a little confused  :-[ maybe I was reading the wrong thread...
Can you post a link to where that information is?
Thanks!
Title: Re: My next app-o-rama...
Post by: Baruch on March 13, 2013, 04:01:04 PM
Sorry, i'm a little confused  :-[ maybe I was reading the wrong thread...
Can you post a link to where that information is?
Thanks!
http://forums.dansdeals.com/index.php?topic=10923.0
Title: Re: My next app-o-rama...
Post by: Shmulyg on March 13, 2013, 04:56:51 PM
3)Barclays 2bm with UsAir cards (2 of the same product, hope it works)
Based on recent reports, this is a no-starter.
4) Chase: I switched my sapphire visa to a mc and would like to reopen the visa along with the Ink plus (I already have the bold)
That would probably be two pulls.
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 13, 2013, 05:07:29 PM
Based on recent reports, this is a no-starter.

Really? Darn, that was part of my next AOR.
Title: Re: My next app-o-rama...
Post by: yare on March 13, 2013, 08:57:33 PM
Hey guys,
I need some advice regarding my next AOR

1) I'm thinking citi 2bm with AA (do 2bm's even work with citi anymore??) Or possibly 3bm (Thank You card)

2) If BofA Cards are churnable I was thinking the Virgin 50k card along with Hawaiian card(s)

3)Barclays 2bm with UsAir cards (2 of the same product, hope it works)

4) Chase: I switched my sapphire visa to a mc and would like to reopen the visa along with the Ink plus (I already have the bold)

5) Amex is not an option because I've had most of their products within a year

Thanks in advance!
unless you changed your chase saph pref to a regular preferred card, they still won't approve you for a new one, even if it's been changed to a mc.
Title: Re: My next app-o-rama...
Post by: Baruch on March 13, 2013, 09:17:09 PM
unless you changed your chase saph pref to a regular preferred card, they still won't approve you for a new one, even if it's been changed to a mc.
And even if you change it to non preferred, they may offer you to upgrade during recon. Change it to a Freedom.
Title: Re: My next app-o-rama...
Post by: Redbull3 on March 13, 2013, 10:09:01 PM
unless you changed your chase saph pref to a regular preferred card, they still won't instantly approve you for a new one, even if it's been changed to a mc.

FTFY. He can most likely close the mc and use the CL to open visa with recon.
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 14, 2013, 12:40:16 PM
http://forums.dansdeals.com/index.php?topic=10923.0
Omg!! 99 pages!
And the wiki doesn't have any info about adding a gold 30k...  :-\

I'm assuming that I can apply for the AA 50k doing a 2bm with a 30k card?
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 14, 2013, 12:40:54 PM
FTFY. He can most likely close the mc and use the CL to open visa with recon.
That's what i've been reading around here
Hope it'll work
Title: Re: My next app-o-rama...
Post by: PETERP on March 14, 2013, 12:45:56 PM
That's what i've been reading around here
Hope it'll work


Yes you can
Title: New Card Run
Post by: MovingYid on March 17, 2013, 05:11:18 PM
I haven't applied for any cards now in 3/4 months and want to do another run. My last was a Chase run where 2/3 were approved(3rd not due to having "too many cards with limited history at chase).

Should I do a citi run(and would I qualify) or an Amex business run(no business but hey).

Any tips and suggestions greatly appreciated!
Title: Re: New Card Run
Post by: mmermss on March 17, 2013, 05:17:28 PM
I haven't applied for any cards now in 3/4 months and want to do another run. My last was a Chase run where 2/3 were approved(3rd not due to having "too many cards with limited history at chase).

Should I do a citi run(and would I qualify) or an Amex business run(no business but hey).

Any tips and suggestions greatly appreciated!

Why the need for a new thread?

Anyways, what Chase/Amex/Citi cards do you currently have?

Oh, and whats a card run?  Never heard that term before... ???
Title: Re: New Card Run
Post by: MEIR613 on March 17, 2013, 05:38:33 PM
Mileage Run, Hotel Run, and Card Run.

Any others? ;)
Title: Re: New Card Run
Post by: Drago on March 17, 2013, 05:41:33 PM
Why the need for a new thread?

Oh, and whats a card run?  Never heard that term before... ???
+1

+1
Title: Re: New Card Run
Post by: Moishebatchy on March 17, 2013, 06:52:12 PM
Mileage Run, Hotel Run, and Card Run.

Any others? ;)

Like! ;)
Title: Re: New Card Run
Post by: noturbizniss on March 17, 2013, 07:22:39 PM
Mileage Run, Hotel Run, and Card Run.

Any others? ;)

BEER RUN!!!
Title: Re: New Card Run
Post by: dans fan on March 17, 2013, 10:34:40 PM
Mileage Run, Hotel Run, and Card Run.

Any others? ;)
post run or maybe a thread run
http://forums.dansdeals.com/index.php?topic=6776.msg78364#msg78364
Title: Re: New Card Run
Post by: Moishebatchy on March 17, 2013, 10:36:13 PM
Why don't we just name this "The Run Master Thread..."
Title: Re: New Card Run
Post by: mmermss on March 17, 2013, 11:23:10 PM
Anyone interested in going out for a run now?
Title: Re: New Card Run
Post by: Lou Bob on March 17, 2013, 11:25:35 PM
Anyone interested in going out for a run now?
BEER RUN!!!
yep ;D
Title: Re: New Card Run
Post by: Shmulyg on March 18, 2013, 06:08:49 AM
I haven't applied for any cards now in 3/4 months and want to do another run. My last was a Chase run where 2/3 were approved(3rd not due to having "too many cards with limited history at chase).

Should I do a citi run(and would I qualify) or an Amex business run(no business but hey).

Any tips and suggestions greatly appreciated!
As many of the above posters have mentioned, you should post this question in the appropriate thread.
Title: Re: New Card Run
Post by: noturbizniss on March 18, 2013, 07:35:55 AM
As many of the above posters have mentioned, you should post this question in the appropriate (http://forums.dansdeals.com/index.php?topic=9825.0) thread (http://forums.dansdeals.com/index.php?topic=16024.0).
FTFY with links to said thread(s).
Title: Re: New Card Run
Post by: Shmulyg on March 18, 2013, 10:22:11 AM
FTFY with links to said thread(s).
Ya, was gonna do that... got lazy...
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 18, 2013, 01:47:41 PM
And your welcome in the merged thread.
Title: Re: My next app-o-rama...
Post by: Hamavin on March 18, 2013, 09:37:51 PM
applied for citi amex and they sent me a letter requesting tax returns. the amount on the returns are nowhere near what i wrote on app any tips? do i stand a chance?
Title: Re: My next app-o-rama...
Post by: CountValentine on March 19, 2013, 01:48:23 AM
applied for citi amex and they sent me a letter requesting tax returns. the amount on the returns are nowhere near what i wrote on app any tips? do i stand a chance?
Don't do it next time!
Title: Re: My next app-o-rama...
Post by: Drago on March 19, 2013, 06:44:05 AM
Don't do it next time!
It was probably an innocent mistake
Title: Re: My next app-o-rama...
Post by: rots5 on March 19, 2013, 09:18:37 AM
Don't do it next time!
ya. He prob added on a zero. Never made a mistake before? ;)
Title: Re: My next app-o-rama...
Post by: judahk88 on March 19, 2013, 12:05:36 PM
Never made a mistake before? ;)
From all his posts it doesnt sound like it  :P
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on March 19, 2013, 12:36:46 PM
Omg!! 99 pages!
And the wiki doesn't have any info about adding a gold 30k...  :-\

I'm assuming that I can apply for the AA 50k doing a 2bm with a 30k card?
Can anyone confirm my assumption?
Thanks so much
Title: Re: My next app-o-rama...
Post by: PETERP on March 19, 2013, 05:54:57 PM
Can anyone confirm my assumption?
Thanks so much

Yes you can do the 30K Citi Gold , but you may get 2 pulls  Ex and EQ like I did.
Title: Re: My next app-o-rama...
Post by: ham on March 20, 2013, 12:18:43 AM
Hello,

I was hoping I could get some feedback regarding my next (mini) app-o-rama. Here are the details:

The last time I applied for a card was back in January on the 13th. I got seven cards total that month, 3 from AMEX, 2 from Penfeq, and 2 from citi (applied in December, took awhile to get approved).

Here are the cards I currently have:
Amex: Plat, PRG, Blue Preferred, and Costco Amex
Barclays: NFL card and Sallie Mae
Chase: Freedom, SP MC, and Ink Bold
Citi: Two Premiers, Preferred, and thank you business
Penfed: Amex and Rewards Visa
US bank: Cash plus
USAA: Visa

Eight inquires on my Experian, Six on Transunion

I was planning on getting:

Chase: both personal southwest cards
Amex: SPG Card

I would like to get the Chase Marriott card and as well as the ink cash plus, but the SW cards are a good limited time offer I think I should take advantage of. I was going to take a break on any citi cards since I got all five over the last year. I will probably try for the AA cards later this year. Barclays is a no go because I tried to get a second NFL card and failed last month, no credit pulled (no record of app outside of barclays). I know its been less than exactly 90 days since my last AOR, but I think it is worth the try to get both SW cards from chase.

Thanks
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 12:22:13 AM
Hello,

I was hoping I could get some feedback regarding my next (mini) app-o-rama. Here are the details:

The last time I applied for a card was back in January on the 13th. I got seven cards total that month, 3 from AMEX, 2 from Penfeq, and 2 from citi (applied in December, took awhile to get approved).

Here are the cards I currently have:
Amex: Plat, PRG, Blue Preferred, and Costco Amex
Barclays: NFL card and Sallie Mae
Chase: Freedom, SP MC, and Ink Bold
Citi: Two Premiers, Preferred, and thank you business
Penfed: Amex and Rewards Visa
US bank: Cash plus
USAA: Visa

Eight inquires on my Experian, Six on Transunion

I was planning on getting:

Chase: both personal southwest cards
Amex: SPG Card

I would like to get the Chase Marriott card and as well as the ink cash plus, but the SW cards are a good limited time offer I think I should take advantage of. I was going to take a break on any citi cards since I got all five over the last year. I will probably try for the AA cards later this year. Barclays is a no go because I tried to get a second NFL card and failed last month, no credit pulled (no record of app outside of barclays). I know its been less than exactly 90 days since my last AOR, but I think it is worth the try to get both SW cards from chase.

Thanks
I would wait a little IMO.
Title: Re: My next app-o-rama...
Post by: ham on March 20, 2013, 11:29:25 AM
Thanks Meir

How long is a little ?  :)
Title: Re: My next app-o-rama...
Post by: Hamavin on March 20, 2013, 11:45:31 AM
Don't do it next time!
it wasnt a mistake just am making much more know then my past tax returns just wasnt sure how to go about it
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 12:11:48 PM
Thanks Meir

How long is a little ?  :)
Most wait 6 months from app-o-rama, but you could do 4 or 5.
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 12:29:59 PM
Meir613, as always willing to help.

I have 4 hard pulls on Experian in the last 6 months. My first Chase cards (UMPE and SP) were opened almost 3 months ago.

How much longer is it best that I wait before making my planned Chase 3/4bm?

Thanks!
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 12:38:58 PM
Meir613, as always willing to help.

I have 4 hard pulls on Experian in the last 6 months. My first Chase cards (UMPE and SP) were opened almost 3 months ago.

How much longer is it best that I wait before making my planned Chase 3/4bm?

Thanks!
I would wait a month or 2.

I'm just letting you know what I would do. I don't take a responsibility :P
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 12:44:55 PM
I would wait a month or 2.

I'm just letting you know what I would do. I don't take a responsibility :P

I'm just stuck with the ability to spend and no cards to finish spending on. Afraid to do the Delta amex too fast and my new Citi will be done in 1-2.

By the way. I only got a 2k limit on my Delta, but I want to spend on it for the goal legit stuff. 3k in 2 weeks from now. Would they expand the limit without a pull, or take some line (what line?) from my Gold and PRG charge cards?
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 12:49:32 PM
I'm just stuck with the ability to spend and no cards to finish spending on. Afraid to do the Delta amex too fast and my new Citi will be done in 1-2.

By the way. I only got a 2k limit on my Delta, but I want to spend on it for the goal legit stuff. 3k in 2 weeks from now. Would they expand the limit without a pull, or take some line (what line?) from my Gold and PRG charge cards?
Gold and PRG are charge cards (AKA: No CL).
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 12:55:54 PM
Gold and PRG are charge cards (AKA: No CL).

I know that. My question is: Can I get them to give me more than the 2k limit without a pull?
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 01:03:26 PM
I know that. My question is: Can I get them to give me more than the 2k limit without a pull?
Don't think so.

Freeze your CR before and see what happens.
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 01:23:33 PM
Don't think so.

Freeze your CR before and see what happens.

Only Experian?

And is there any way to not have to pay the $5.44 if I'm not a victim?
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 01:59:04 PM
Only Experian?

And is there any way to not have to pay the $5.44 if I'm not a victim?
Not that I know of.
Title: Re: My next app-o-rama...
Post by: rots5 on March 20, 2013, 06:21:05 PM
Not that I know of.
what does freezing help? They'll still have to pull, and ull get declined then
Title: Re: My next app-o-rama...
Post by: AJK on March 20, 2013, 07:16:22 PM
what does freezing help? They'll still have to pull, and ull get declined then

-1
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 07:27:47 PM
what does freezing help? They'll still have to pull, and ull get declined then
They don't always pull. So if you want to make sure you don't get another pull, then freeze it
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 09:28:24 PM
I only froze my Experian. Is it likely that they would pull the other bureaus?

This is regarding a credit limit increase.
Title: Re: My next app-o-rama...
Post by: MEIR613 on March 20, 2013, 09:53:53 PM
I only froze my Experian. Is it likely that they would pull the other bureaus?

This is regarding a credit limit increase.
I don't have experience.

If your nervous, freeze all 3.
Title: Re: My next app-o-rama...
Post by: Moshe123 on March 20, 2013, 10:02:30 PM
I don't have experience.

If your nervous, freeze all 3.

That's costly. No?

How much are TU and Eq to unfreeze and how long until the freeze goes into effect?

Experian is immediate and is 5 bucks.

Anyone with amex experience? I'm sure someone did this already.
Title: Re: My next app-o-rama...
Post by: elduderotomy on March 23, 2013, 12:57:19 PM
Anyone with amex experience? I'm sure someone did this already.

Freezing doesn't work with amex.
Title: Re: My next app-o-rama...
Post by: ham on March 27, 2013, 12:10:44 PM
I would wait a little IMO.

Southwest cards are ending today. With that being the case, should I still wait?
Title: Re: My next app-o-rama...
Post by: MosheD on April 03, 2013, 12:16:50 PM
My first app-o-rama
really just a chase app (dunno where else to put this)
Sapphire preferred- denied letter says too many apps recon lady said not enough credit
United explorer- denied too many apps
ba- also denied
called recon got ba but she would only approve one (needed no foriegn exchange fee) any chance huca and get united too?
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 03, 2013, 12:21:21 PM
My first app-o-rama
really just a chase app (dunno where else to put this)
Sapphire preferred- denied letter says too many apps recon lady said not enough credit
United explorer- denied too many apps
ba- also denied
called recon got ba but she would only approve one (needed no foriegn exchange fee) any chance huca and get united too?

Always HUCA.
Title: Re: My next app-o-rama...
Post by: MosheD on April 03, 2013, 12:23:28 PM
Thought so...its seems to be a law here
Can I get them to move credit line from amex or can they only move from chase?
Title: Re: My next app-o-rama...
Post by: mmermss on April 03, 2013, 12:26:04 PM
Thought so...its seems to be a law here
Can I get them to move credit line from amex or can they only move from chase?
Only from chase.

And it's a 3BM. Not an AOR.
Title: Re: My next app-o-rama...
Post by: jj1000 on April 04, 2013, 11:32:55 AM
Best Barclay cards besides the one Dan posted today? Just US 35K and Barclay arrival 40K or is there a third card?

If I was approved for Citi Visa about 10 months ago, what 2 Citi cards should I apply for now? I have the Visa and Amex consumer currently. I was thinking if doing the Visa Business and MC Gold. Should I switch one of those for the TY card which I have never had? Will I be more successful if I close my Consumer Visa first?

Also what 3 Bofa cards do people apply for nowadays?

Sorry for the noob questions- hope I get some help.
Title: Re: My next app-o-rama...
Post by: Baruch on April 04, 2013, 11:21:52 PM
Best Barclay cards besides the one Dan posted today? Just US 35K and Barclay arrival 40K or is there a third card?

If I was approved for Citi Visa about 10 months ago, what 2 Citi cards should I apply for now? I have the Visa and Amex consumer currently. I was thinking if doing the Visa Business and MC Gold. Should I switch one of those for the TY card which I have never had? Will I be more successful if I close my Consumer Visa first?

Also what 3 Bofa cards do people apply for nowadays?

Sorry for the noob questions- hope I get some help.
Visa Business died, there is a different one for less miles and more spend, see the Citi wiki.
Doesn't make a difference if you close the current Citi.
BOA is trash.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 04, 2013, 11:29:54 PM
Also what 3 Bofa cards do people apply for nowadays?
If your interested in HA/Hilton miles/points go for 2X BOA HA.

Maybe AS CC.

Not really anything worthwhile.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 05, 2013, 11:55:44 AM
I just did my first app-o-rama last night.

Barclay's:

Arrivals
US Airways
(Currently Have 0 Barclay's Cards)

Citi:

AA Visa
AA Amex

(Currently have an old dividend card + I am a citigold client)

Chase:

Sapphire Preferred
United Mileage Explorer

(Have many Chase cards / Personal & Business)



Initial Results:
1/6 approved - The Barclay's Arrival got approved right away.

Called Citi for the Visa (The app result said to call in the number and gave me an application ID) - They asked me if 16K was enough or I wanted more credit.  :)
2/6 approved.

None of the other cards gave me an APP ID yet. I will try Chase Reconsideration and maybe close out my Amazon card. (5x > 3x but prepaying stinks) I'll have to cash those points out at 1 cent though.

Any pointers?
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 05, 2013, 01:29:19 PM
1)Why no AMEX?

2)It's worth it to close the Amazon card.

3)What happened with the other Citi.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 05, 2013, 03:32:08 PM
1)Why no AMEX?

2)It's worth it to close the Amazon card.

3)What happened with the other Citi.

1) Already have platinum  & Starwood Consumer & Business

2) Agreed. Thanks

3) I didn't call yet, that application didn't give me a number to call and an Application ID. Is it possible to get approved for both still?
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 05, 2013, 03:36:27 PM
3) I didn't call yet, that application didn't give me a number to call and an Application ID. Is it possible to get approved for both still?
It's possible, but probably not
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 05, 2013, 03:59:16 PM
1) Already have platinum  & Starwood Consumer & Business

2) Agreed. Thanks

3) I didn't call yet, that application didn't give me a number to call and an Application ID. Is it possible to get approved for both still?

Citi saying you can only do one application per day. If I want to apply for a second AA card, I would have to wait until I received the first one and activated it, and then I could apply for the Amex. If I wanted another, non-AA Citi card I can do so today, but a maximum of one per day. The application can't be reconsidered it just gets discarded and I have to submit again.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 05, 2013, 04:14:37 PM
I just did my first app-o-rama last night.
Barclay's: Arrivals / US Airways
Citi: AA Visa / AA Amex
Chase: Sapphire Preferred / United Mileage Explorer

Citi Shot down Second Application for now

Chase Approved the Sapphire Preferred with new credit. Would not approve the United card yet. Time to HUCA.
App-o-Rama score: 3/6
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 08, 2013, 03:07:36 PM
Citi Shot down Second Application for now

Chase Approved the Sapphire Preferred with new credit. Would not approve the United card yet. Time to HUCA.
App-o-Rama score: 3/6
Chase just approved the UME by closing Amazon card. AOR score: 4/6
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 09, 2013, 12:37:26 PM
Chase just approved the UME by closing Amazon card. AOR score: 4/6
Barclay's Split the initial line so AOR score is now 5/6

Wondering if the Citi Amex Application is truly dead and how long to wait before going for it. Will they for sure pull my credit again for a new application?
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 12:59:25 PM
Barclay's Split the initial line
Looks like they're becoming somewhat more lax with reallocating credit - something unheard of in the past.
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 09, 2013, 01:00:27 PM
Looks like they're becoming somewhat more lax with reallocating credit - something unheard of in the past.

My problem is that they only gave me 2k initially.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 09, 2013, 01:02:29 PM
My problem is that they only gave me 2k initially.

They started me at 12.5K of new credit line so no problems there :)
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 01:07:20 PM
They started me at 12.5K of new credit line so no problems there :)
It's still shocking that they split it. In past times this was unheard of.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 01:10:05 PM
Citi Shot down Second Application for now
Reports are that they stopped allowing two apps in one day, regardless of type.
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 09, 2013, 01:23:05 PM
Reports are that they stopped allowing two apps in one day, regardless of type.

I'm dreading the day (that will come) when amex and chase start doing what Citi and Barclays are already doing.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 09, 2013, 01:23:40 PM
It's still shocking that they split it. In past times this was unheard of.

He offered to do it, I didn't even have to suggest it.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 01:38:22 PM
I'm dreading the day (that will come) when amex and chase start doing what Citi and Barclays are already doing.
Amex already started.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 09, 2013, 01:41:14 PM
Amex already started.
-1
Title: Re: My next app-o-rama...
Post by: Mocha on April 09, 2013, 01:42:39 PM
I'm dreading the day (that will come) when amex and chase start doing what Citi and Barclays are already doing.
with the volume of churning going on the end is very very near.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 01:47:25 PM
-1
12-month policy...?
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 09, 2013, 01:52:31 PM
12-month policy...?

Yeah, but there is a certain variety.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 01:54:40 PM
Yeah, but there is a certain variety.
That's why i said "started."
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 09, 2013, 01:58:04 PM
That's why i said "started."

The difference: Amex is targeting churning, but not their credit policy.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 09, 2013, 01:58:46 PM
12-month policy...?
Barclays and Citi always had that.

The new "1 card per a day" is not in effect yet. AFAIK, yakes :o
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 02:06:44 PM
The difference: Amex is targeting churning, but not their credit policy.
Is that supposed to be comforting...?  :-\
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 02:09:09 PM
Barclays and Citi always had that.
So? Amex is still starting to crack down. As one wise man said (i think it was Mesh): whatever...
The new "1 card per a day" is not in effect yet. AFAIK, yakes :o
It is, according to MMS (sorry Count :-X)
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 09, 2013, 02:10:40 PM
It is, according to MMS (sorry Count :-X)
For Amex??
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 02:11:16 PM
For Amex??
Citi
I must've misunderstood you...
Title: Re: My next app-o-rama...
Post by: Dan on April 09, 2013, 02:11:21 PM
It is, according to MMS
He's been mistaken regarding 2/3bms before.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 09, 2013, 02:14:02 PM
He's been mistaken regarding 2/3bms before.
I truly hope he is now too.
Title: Re: My next app-o-rama...
Post by: AJK on April 09, 2013, 03:18:18 PM
He's been mistaken regarding 2/3bms before.

There seems to be some validity this time, however.
Title: Re: My next app-o-rama...
Post by: est on April 11, 2013, 10:28:27 AM
Im looking for suggestions on my next app-o-rama... my last one was oct.

I currently have:

BA
united
starwood
starwood business
amex blue cash
amex gold premier rewards gold
freedom
sapphire preferred
aa citi card

my starwood is by far the oldest so i dont want to touch that.

any suggestions?
Title: Re: My next app-o-rama...
Post by: sky121 on April 11, 2013, 10:30:17 AM
Im looking for suggestions on my next app-o-rama... my last one was oct.

I currently have:
BA
united
starwood
starwood business
For Chase
Depending on what your credit history is like....

I'd go for Chase Sapphire Preffered
Hyatt
a new United? (close down the old one first, I wouldn't do this if those 2 were your first Chase cards)
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 11, 2013, 10:32:54 AM
For Chase
Depending on what your credit history is like....

I'd go for Chase Sapphire Preffered
Hyatt
a new United? (close down the old one first, I wouldn't do this if those 2 were your first Chase cards)

My first two Chase cards are UA and SP. I'm planning to downgrade the SP to a Freedom.
What is the issue to close the UA to churn it? Credit history with Chase?
If so, if I transfer the line to approve another card, would it be better?

TIA
Title: Re: My next app-o-rama...
Post by: est on April 11, 2013, 10:37:15 AM
For Chase
Depending on what your credit history is like....

I'd go for Chase Sapphire Preffered
Hyatt
a new United? (close down the old one first, I wouldn't do this if those 2 were your first Chase cards)


sry it got posted before i finished. but tx for response
Title: Re: My next app-o-rama...
Post by: businessmachine on April 16, 2013, 04:17:58 PM
Anyone have input on B of A- Thinking about 3bm  - Virgin Atlantic 65k, BOA Hawaiian 35k and BOH hawaiian 35k. Also getting some cards with Amex- Getting SPG biz, Gold PRG, and probably a hilton one.
Anyone know how many pulls BOA will be?
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 16, 2013, 04:27:53 PM
Citi saying you can only do one application per day. If I want to apply for a second AA card, I would have to wait until I received the first one and activated it, and then I could apply for the Amex. If I wanted another, non-AA Citi card I can do so today, but a maximum of one per day. The application can't be reconsidered it just gets discarded and I have to submit again.

So - I called Citi again and schmoozed it up. Great customer, banking customer for years, etc. For a while they held the party line that they can't do 2 AA cards. I persisted. There must be something you can do, I'm with you for so long, etc. Hold on, let me check something... She came back and said she was able to "restart" the application for me. They approved me for it, without splitting the credit line.

A-O-R now at 6/6!
Title: Re: My next app-o-rama...
Post by: Yellow on April 16, 2013, 04:35:10 PM
So - I called Citi again and schmoozed it up. Great customer, banking customer for years, etc. For a while they held the party line that they can't do 2 AA cards. I persisted. There must be something you can do, I'm with you for so long, etc. Hold on, let me check something... She came back and said she was able to "restart" the application for me. They approved me for it, without splitting the credit line.

A-O-R now at 6/6!
When she restarted the application did she do another pull?
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 16, 2013, 04:42:13 PM
Anyone have input on B of A- Thinking about 3bm  - Virgin Atlantic 65k, BOA Hawaiian 35k and BOH hawaiian 35k. Also getting some cards with Amex- Getting SPG biz, Gold PRG, and probably a hilton one.
Anyone know how many pulls BOA will be?
BOA is one pull (YMMV)

BOH is another pull.

I wouldn't waste a pull on BOA, as there is nothing to do with HA miles.

Also, try to find a different card than Hilton.

ETA: Saw your post in the other thread, I guess you're going for AXON award. ;)
Title: Re: My next app-o-rama...
Post by: businessmachine on April 16, 2013, 04:49:52 PM
BOA is one pull (YMMV)

BOH is another pull.

I wouldn't waste a pull on BOA, as there is nothing to do with HA miles.

Also, try to find a different card than Hilton.

ETA: Saw your post in the other thread, I guess you're going for AXON award. ;)

Exactly- which is why I'm in such a dilemma. Maybe I'll just do one virgin atlantic and one boa hawaiian which will be 170k Hilton.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 16, 2013, 04:51:04 PM
Exactly- which is why I'm in such a dilemma. Maybe I'll just do one virgin atlantic and one boa hawaiian which will be 170k Hilton.
You can do 2 BOA, just don't let them pull a switch n' bait.
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 16, 2013, 05:30:00 PM
When she restarted the application did she do another pull?

I didn't check yet. I did mention to her that the reason I needed to apply for two on the same day was to avoid an extra pull. Probably wrong thread, but what is the best link to check that?
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 16, 2013, 05:42:50 PM
So - I called Citi again and schmoozed it up. Great customer, banking customer for years, etc. For a while they held the party line that they can't do 2 AA cards. I persisted. There must be something you can do, I'm with you for so long, etc. Hold on, let me check something... She came back and said she was able to "restart" the application for me. They approved me for it, without splitting the credit line.

A-O-R now at 6/6!

Congrats!!
Title: Re: My next app-o-rama...
Post by: rots5 on April 16, 2013, 06:02:59 PM
I didn't check yet. I did mention to her that the reason I needed to apply for two on the same day was to avoid an extra pull. Probably wrong thread, but what is the best link to check that?
so whats the final tally.  Kol hakavod!!
Title: Re: My next app-o-rama...
Post by: A European on April 16, 2013, 07:23:58 PM
what is the best link to check that?
http://www.experian.com/reportaccess/
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 16, 2013, 07:28:26 PM
I did mention to her that the reason I needed to apply for two on the same day was to avoid an extra pull.
Umm... please don't do that again...
Title: Re: My next app-o-rama...
Post by: itsyehuda on April 16, 2013, 10:01:12 PM
Umm... please don't do that again...

Was that a very dumb, MMS kind of thing to do? I should rephrase that. She mentioned that I could always apply again in the next couple of months, and I said I don't want to have to do another credit check.
Title: Re: My next app-o-rama...
Post by: sky121 on April 16, 2013, 10:01:45 PM
Was that a very dumb, MMS kind of thing to do? I should rephrase that. She mentioned that I could always apply again in the next couple of months, and I said I don't want to have to do another credit check.

That's not as bad.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 16, 2013, 10:02:31 PM
Was that a very dumb, MMS kind of thing to do? I should rephrase that. She mentioned that I could always apply again in the next couple of months, and I said I don't want to have to do another credit check.
Could of been a lost worse.
Title: Re: My next app-o-rama...
Post by: businessmachine on April 16, 2013, 10:23:33 PM
Okay- so far 4 for 4 today-

Citi personal 50k
Amex SPG BIZ
BRG
Delta Gold 45k

Plan on doing the AA 50k BIZ tomorrow (I know its extra pull) Anything other then Chase left for tonight?
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 17, 2013, 12:29:37 AM
That's not as bad.
Could of been a lost worse.
+1
Title: Re: My next app-o-rama...
Post by: CountValentine on April 17, 2013, 12:55:36 AM
Was that a very dumb, MMS kind of thing to do? I should rephrase that. She mentioned that I could always apply again in the next couple of months, and I said I don't want to have to do another credit check.
No big deal. Don't worry about it.
Title: Re: My next app-o-rama...
Post by: chucksterace on April 17, 2013, 04:55:44 AM
So I am thinking about my next spree. Suggestions please. I would like to start earning to take a asia trip in business or first.

I'm thinking about:
Hilton Amex (the higher one)
SPG Amex
AA Citi
Possibly Hilton Citi (Can I have both Hilton cards, Amex and Citi, and get the free nights from both)?[/li][/list]

I only have cards from Chase Now. I might switch out my Chase Sapphire Preferred MC for a Visa to get that 50k.

Suggestions on how to do these or advice you might suggest. I also got two new cards in late February from Chase, should I wait longer before doing Amex or Citi or can I do them right away?
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 17, 2013, 10:08:03 AM
Plan on doing the AA 50k BIZ tomorrow (I know its extra pull) Anything other then Chase left for tonight?

From the wiki -
Quote
"Consumer and business will probably end you up with 2 pulls. So in order to maximize the benefits. Do a 2bm consumer(visa + Amex). Wait 60 days and then apply for a business. Some have reported trying to do 2bm business and didn't work. YMMV"
Title: Re: My next app-o-rama...
Post by: businessmachine on April 17, 2013, 10:15:19 AM
Yeah but unfortunately CITI 2bm is already the 'good old day'. Just check and got an experian pull from CITI for the first time (OUCH) as they usually pull equifax for me. Amex 3bm for 2 biz and 1 consumer only had 1 pull for me so not terrible.
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 17, 2013, 10:16:46 AM
Yeah but unfortunately CITI 2bm is already the 'good old day'. Just check and got an experian pull from CITI for the first time (OUCH) as they usually pull equifax for me. Amex 3bm for 2 biz and 1 consumer only had 1 pull for me so not terrible.
I was talking more to the 60 day wait for business...
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 17, 2013, 11:42:23 AM
Just did an Amex 4BM.

SPG Personal   25K    Should i call today about this, or wait for a letter?
Delta Personal  30K   Should i call today about this, or wait for a letter?
SPG Business  25K   Approved while calling up for the PRG
PRG Business  50K   Had to call up. They wanted to confirm it was me applying. Approved
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 17, 2013, 12:21:12 PM
Just did an Amex 4BM.

SPG Personal   25K    Should i call today about this, or wait for a letter? Call
Delta Personal  30K   Should i call today about this, or wait for a letter? Call
SPG Business  25K   Approved while calling up for the PRG
PRG Business  50K   Had to call up. They wanted to confirm it was me applying. Approved
Always PUTPAC
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 17, 2013, 12:40:14 PM
Always PUTPAC
Just did an Amex 4BM.

SPG Personal   25K    Edit: Approved (second SPG card)
Delta Personal  30K   Edit: Approved
SPG Business  25K   Approved while calling up for the PRG
PRG Business  50K   Had to call up. They wanted to confirm it was me applying. Approved
Worked. Thanks.
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 17, 2013, 12:48:09 PM
Worked. Thanks.
Approved for all 4?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 17, 2013, 12:51:29 PM
Approved for all 4?
Yes.
They didn't even ask any 'imposing' questions as why i wanted all the cards. When i called up for the business, the rep mentioned he saw the SPG card and said he will have that sent to his manager and get it expedited for me.
When i called again for my personal cards, he listed off the four cards i hap applied for today and then put through my Delta. After the Delta was approved, he said he will get my SPG approved as well.
Was shocked it went so easy.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 17, 2013, 01:03:38 PM
Yes.
They didn't even ask any 'imposing' questions as why i wanted all the cards. When i called up for the business, the rep mentioned he saw the SPG card and said he will have that sent to his manager and get it expedited for me.
When i called again for my personal cards, he listed off the four cards i hap applied for today and then put through my Delta. After the Delta was approved, he said he will get my SPG approved as well.
Was shocked it went so easy.
Nice! Congrats!
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 17, 2013, 01:08:24 PM
Nice! Congrats!
+1
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 17, 2013, 01:11:35 PM
Yes.
They didn't even ask any 'imposing' questions as why i wanted all the cards. When i called up for the business, the rep mentioned he saw the SPG card and said he will have that sent to his manager and get it expedited for me.
When i called again for my personal cards, he listed off the four cards i hap applied for today and then put through my Delta. After the Delta was approved, he said he will get my SPG approved as well.
Was shocked it went so easy.

Great to hear!
Title: Re: My next app-o-rama...
Post by: mek on April 18, 2013, 11:29:19 PM
So I have the spg card and my wife has the freedom exclusive. I'm trying to get UR points for travel and was thinking of throwing in a business card as well. Is it better for my wife to apply as she already has credit by chase? Also if I say I have a low net income from the business but a high regular income that they ask for as well will I receive the credit limit based on the business alone or will my other income play a role in the credit limit for the business card? Finally, what cards do you guys suggest? 
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 19, 2013, 08:33:43 AM
So I have the spg card and my wife has the freedom exclusive. I'm trying to get UR points for travel and was thinking of throwing in a business card as well. Is it better for my wife to apply as she already has credit by chase? Also if I say I have a low net income from the business but a high regular income that they ask for as well will I receive the credit limit based on the business alone or will my other income play a role in the credit limit for the business card? Finally, what cards do you guys suggest?
I don't see any reason why you both can't apply for Chase cards. I believe the business income and personal income are factored for their respective cards. Having a high regular income will not affect your business card (unless you put down you are a sole proprietor and just use your SSN and personal income). With Chase they do a separate pull for business and for personal. If you want to get business cards, you should have your wife do a 2/3bm with IB, IP... those have 50k point bonuses. You should then signup for SP and Freedom... IMO
Title: Re: My next app-o-rama...
Post by: rots5 on April 19, 2013, 10:45:48 AM
So I have the spg card and my wife has the freedom exclusive. I'm trying to get UR points for travel and was thinking of throwing in a business card as well. Is it better for my wife to apply as she already has credit by chase? Also if I say I have a low net income from the business but a high regular income that they ask for as well will I receive the credit limit based on the business alone or will my other income play a role in the credit limit for the business card? Finally, what cards do you guys suggest? 
you do a 3bm on personal and your wife on a 3bm biz. one pull each of you
Title: Re: My next app-o-rama...
Post by: mek on April 21, 2013, 12:08:17 AM
I don't see any reason why you both can't apply for Chase cards. I believe the business income and personal income are factored for their respective cards. Having a high regular income will not affect your business card (unless you put down you are a sole proprietor and just use your SSN and personal income). With Chase they do a separate pull for business and for personal. If you want to get business cards, you should have your wife do a 2/3bm with IB, IP... those have 50k point bonuses. You should then signup for SP and Freedom... IMO

They ask for both personal income as well as business revenue I want to keep the business revenue low while personal income is high and be able to get a decent credit limit on the business card. Whats the advantage of a freedom for myself as my wife already has the exclusive freedom?

 
you do a 3bm on personal and your wife on a 3bm biz. one pull each of you

Which 3 personal? I'm thinking sp and hyatt what do you think?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 21, 2013, 12:28:48 AM
They ask for both personal income as well as business revenue I want to keep the business revenue low while personal income is high and be able to get a decent credit limit on the business card. Whats the advantage of a freedom for myself as my wife already has the exclusive freedom?

 
Which 3 personal? I'm thinking sp and hyatt what do you think?

Since your wife already has personal cards, she should get the business cards, can even open it up as herself (Sole Proprietor). Since you have no Chase personal card, it will be easier for you to get approved for them.

I would recommend the Freedom, SP and Hyatt/UA depending on if you want airline or hotel points.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 10:57:34 AM
I'm ready for my next round of cards (its 91 days)
My united is around 8 months old- do I need to close before reapplying?
I basically have/had most cards in the past 12 months except for BA.
I remember Dan posting in the spring they offer a better deal then the 50k- is that still coming?

Chase: apply for mastercard(have visa now - switched back and forth)
          : United- are people still getting matched to 50k?
          : Any business if  I have both ink?

Citi:
       AA business- never did
      : What personal is worth doing now?(have two aa)

AMex: Starwood- can I open a second if I have one open?
          business platinum- got a targeted offer

Barclays : us air - can I close today and apply for new one today?
                barclaycard arrival

Anything I missed or better to apply for? I want to apply for everything on the same day so they dont see eachothers applications
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 11:06:23 AM
I'm ready for my next round of cards (its 91 days)
My united is around 8 months old- do I need to close before reapplying?
I basically have/had most cards in the past 12 months except for BA.
I remember Dan posting in the spring they offer a better deal then the 50k- is that still coming?

Chase: apply for mastercard(have visa now - switched back and forth)
          : United- are people still getting matched to 50k?
          : Any business if  I have both ink?

Citi:
       AA business- never did
      : What personal is worth doing now?(have two aa)

AMex: Starwood- can I open a second if I have one open?
          business platinum- got a targeted offer

Barclays : us air - can I close today and apply for new one today?
                barclaycard arrival

Anything I missed or better to apply for? I want to apply for everything on the same day so they dont see eachothers applications
Just as an FYI. Chase has separate pulls for business and personal.
Amex has only one pull for both. May want to capitalize on that.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 11:10:28 AM
Thank you but if I just did delta and gold AMEX( and btw did not get the points for GOLD I guess because I had less then a year ago)- what AMEX
personal and business can I apply for now?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 11:13:02 AM
Thank you but if I just did delta and gold AMEX( and btw did not get the points for GOLD I guess because I had less then a year ago)- what AMEX
personal and business can I apply for now?
You can go for the business SPG and regular SPG cards. Those are great points.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 11:14:48 AM
Thank you- Do I need to close my open SPG?
What about united- Do I need to close if I'm reapplying?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 11:24:48 AM
Thank you- Do I need to close my open SPG?
What about united- Do I need to close if I'm reapplying?
From what i have seen, for the personal SPG do not enter your SPG # and then it is YMMV.
See if you can transfer the credit line of the United card into a different card and then try reapplying for it. Make sure you are prepared with good reason as why you will be wanting the same card if you need to call reconsideration.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 11:27:11 AM
I need to apply for a new card to transfer the credit line over and I want to apply for everything at once.
I can always say to keep my flights for work separate from personal etc for reimbursement etc..
But in general do you always close/transfer existing cards before reapplying for the same one again or can I open multiple of the same type of card?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 11:37:37 AM
I need to apply for a new card to transfer the credit line over and I want to apply for everything at once.
I can always say to keep my flights for work separate from personal etc for reimbursement etc..
But in general do you always close/transfer existing cards before reapplying for the same one again or can I open multiple of the same type of card?
If you are going to say you have one for personal and one for reimbursement, you will not be closing a card down. If you have large credit line that should work.

I usually transfer credit once i apply. Was thinking that if i was going to want the same card, i would try and transfer all credit out before applying. Since you have a good reason why you would want both, i think i have altered my potential course of action going forward.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 11:47:53 AM
Ok.
United I guess ppl are still getting matched to using the 30k link?

Citi- any personal cards besides AA I should I apply for?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 11:50:05 AM
Ok.
United I guess ppl are still getting matched to using the 30k link?

Citi- any personal cards besides AA I should I apply for?
I do not recall seeing anywhere that the United matching had stopped.

I do not have any Citi cards yet, do not think i can help in regards to that.
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 22, 2013, 01:53:12 PM


Chase: apply for mastercard(have visa now - switched back and forth)
          : United- are people still getting matched to 50k?
          : Any business if  I have both ink?

WierdAl832 closed his INKS and reapplied a week later and got both bonuses.
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 02:55:08 PM
Thanks- how do you explain to recon why you just closed it and are reopening?

Any ideas for personal Citi?
Title: Re: My next app-o-rama...
Post by: Shreknit on April 22, 2013, 03:02:08 PM
WierdAl832 closed his INKS and reapplied a week later and got both bonuses.

Very good info
Title: Re: My next app-o-rama...
Post by: jaywhy on April 22, 2013, 03:20:06 PM
WierdAl832 closed his INKS and reapplied a week later and got both bonuses.
Same business name?
Title: Re: My next app-o-rama...
Post by: Dan on April 22, 2013, 03:21:03 PM
Nothing new here.  All UR cards are fully churnable with no shtick required. Said that 1,000 times.
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 03:21:36 PM
WierdAl832 closed his INKS and reapplied a week later and got both bonuses.
I don't think i have the cojones for that yet.
Title: Re: My next app-o-rama...
Post by: Shreknit on April 22, 2013, 03:25:17 PM
Nothing new here.  All UR cards are fully churnable with no shtick required. Said that 1,000 times.

What do you state as the reason you closed the business card then reopened it ?
Title: Re: My next app-o-rama...
Post by: Shreknit on April 22, 2013, 03:34:05 PM
This summer I took everyone's advice that amex Starwood was churbable did not put my Starwood number in or profile application and after spending 5j me and quite a few other people I know never got bonus, do to t & c so lately I'm hesitant
Title: Re: My next app-o-rama...
Post by: SPLP on April 22, 2013, 04:00:30 PM
This summer I took everyone's advice that amex Starwood was churbable did not put my Starwood number in or profile application and after spending 5j me and quite a few other people I know never got bonus, do to t & c so lately I'm hesitant

continue that way hesitant- careful  , unless someone explains "how to do " to easy for people to say do it and not explain how and u wind up spending 5k  with no results
Title: Re: My next app-o-rama...
Post by: SPLP on April 22, 2013, 04:05:24 PM
I don't think i have the cojones for that yet.

if asked why -- just say closed other biz and this is a new company ---- i find they do not give the 3rd degree ,  only a few simple questions --keep in mind they are in business to open cards --since it is a simple close card open new card-- have no fear
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 04:08:32 PM
if asked why -- just say closed other biz and this is a new company ---- i find they do not give the 3rd degree ,  only a few simple questions --keep in mind they are in business to open cards --since it is a simple close card open new card-- have no fear
Suddenly i feel better.

I guess as long as i feel i have a decent reason for why i would want the cards, i would be fine.
Title: Re: My next app-o-rama...
Post by: Shreknit on April 22, 2013, 04:08:43 PM
if asked why -- just say closed other biz and this is a new company ---- i find they do not give the 3rd degree ,  only a few simple questions --keep in mind they are in business to open cards --since it is a simple close card open new card-- have no fear

Thanks for that appreciate good advice always!
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 22, 2013, 04:09:31 PM
Maybe a thread can be started with potential answer for why you are reapplying for the same cards...
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 04:11:19 PM
When you say churnable does that mean you have to close the open card before reapplying or can you reapply for a second of the same?
Title: Re: My next app-o-rama...
Post by: judahk88 on April 22, 2013, 04:33:02 PM
When you say churnable does that mean you have to close the open card before reapplying or can you reapply for a second of the same?
first you would have to transfer the CL then close the open card
Title: Re: My next app-o-rama...
Post by: tll on April 22, 2013, 09:08:31 PM
After I transfer the CL can I apply right away?
Whats my excuse for transferring the credit line? I dont want the card anymore but want the credit?

Still not sure can I apply for second SPG without closing original?
Does AMEX do two pulls for business and personal?

Title: Re: My next app-o-rama...
Post by: Shmulyg on April 22, 2013, 11:10:50 PM
After I transfer the CL can I apply right away?
Which card are you talking about?
Whats my excuse for transferring the credit line? I dont want the card anymore but want the credit?
You don't need an excuse.
Still not sure can I apply for second SPG without closing original?
According to the new Amex T&c you have to wait 12 months from when you shut down your last one. Though, some fall through the cracks.
Does AMEX do two pulls for business and personal?
Usually not.
Title: Re: My next app-o-rama...
Post by: Shreknit on April 22, 2013, 11:11:45 PM
Which card are you talking about?You don't need an excuse.According to the new Amex T&c you have to wait 12 months from when you shut down your last one. Though, some fall through the cracks.Usually not.

Thanks
Title: Re: My next app-o-rama...
Post by: tll on April 23, 2013, 09:39:18 AM
Thanks.
If you say I need to close my SPG and wait 12 months how come I read posts of people opening
multiple SPG with 2BM/3BM? What did I misunderstand?

Basically any AMEX card you can only have once in 12 months?

Title: Re: My next app-o-rama...
Post by: Marco Polo on April 23, 2013, 09:41:44 AM
Thanks.
If you say I need to close my SPG and wait 12 months how come I read posts of people opening
multiple SPG with 2BM/3BM? What did I misunderstand?

Basically any AMEX card you can only have once in 12 months?
It is possible people are talking about before Amex started cracking down. It can also be they are talking about a beusiness and a personal SPG.
Title: Re: My next app-o-rama...
Post by: noturbizniss on April 23, 2013, 11:44:01 AM
continue that way hesitant- careful  , unless someone explains "how to do " to easy for people to say do it and not explain how and u wind up spending 5k  with no results
worse than just no results - you are resetting the 12 month clock as well.
Title: Re: My next app-o-rama...
Post by: Shreknit on April 23, 2013, 11:46:56 AM
worse than just no results - you are resetting the 12 month clock as well.
Good point didn't even consider that
Title: Re: My next app-o-rama...
Post by: plainbachur on April 23, 2013, 12:13:51 PM
I want to do a few apps I have 4 cards chase freedom 4k amex bus gold discover cap1 and au on a whole bunch of others.
I want to do a 3bm united sapphire ba and a citi aa
IM I being to pushy?
I can't prove income
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 23, 2013, 03:01:39 PM
I want to do a few apps I have 4 cards chase freedom 4k amex bus gold discover cap1 and au on a whole bunch of others.
I want to do a 3bm united sapphire ba and a citi aa
IM I being to pushy?
I can't prove income
If you had your cards open for some time a 3BM would not be considered pushy, IMO.
Title: Re: My next app-o-rama...
Post by: tll on April 23, 2013, 08:26:57 PM
Anyone know whats with BA? Dan mentioned a few months ago that usually in the spring theres a 100k offer?
Since I can only do every 12 months- does it pay to wait?
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 23, 2013, 08:54:22 PM
Anyone know whats with BA? Dan mentioned a few months ago that usually in the spring theres a 100k offer?
Since I can only do every 12 months- does it pay to wait?
BA is not issued by Amex.
Title: Re: My next app-o-rama...
Post by: tll on April 23, 2013, 09:40:03 PM
So you can churn BA and not wait so long?
I thought I saw on a post I had to wait 12 months.
So for chase I can apply for united, BA tonight and reapply in 91 days?
Title: Re: My next app-o-rama...
Post by: tll on April 23, 2013, 09:50:46 PM
I transferred the CL from my united to Sapphire and of course they close the united after no credit.
If I apply tomorrow for another united with a 2BM will that be a problem?
Title: Re: My next app-o-rama...
Post by: alpicone on April 23, 2013, 10:15:49 PM
Applied for SW business, SP Visa and BA. So far:

SW - No response yet
SP - We noticed you have another SP (MC). Please let us know why you need another
BA - Too many cards open with Chase.

I have 10 cards currently open with Chase. 8 personal and 2 business. I offered to close a personal to get the BA approved and they said I have too many card. The 3rd rep I spoke with said I have 23 open lines of credit on my CR and they cant approve any new lines.

I just tried an SM to see if that works. I guess it is time to start moving some credit lines around and close some cards...
Title: Re: My next app-o-rama...
Post by: mmermss on April 23, 2013, 10:20:59 PM
Applied for SW business, SP Visa and BA. So far:

SW - No response yet
SP - We noticed you have another SP (MC). Please let us know why you need another
BA - Too many cards open with Chase.

I have 10 cards currently open with Chase. 8 personal and 2 business. I offered to close a personal to get the BA approved and they said I have too many card. The 3rd rep I spoke with said I have 23 open lines of credit on my CR and they cant approve any new lines.

I just tried an SM to see if that works. I guess it is time to start moving some credit lines around and close some cards...

The SP should be easy..just transfer the CL from one to open the new one.
Title: Re: My next app-o-rama...
Post by: A European on April 24, 2013, 06:14:34 AM
So you can churn BA and not wait so long?
I thought I saw on a post I had to wait 12 months.
So for chase I can apply for united, BA tonight and reapply in 91 days?
BA is very hard to churn.


I transferred the CL from my united to Sapphire and of course they close the united after no credit.
If I apply tomorrow for another united with a 2BM will that be a problem?
No but use a different ff no. By the application.


Applied for SW business, SP Visa and BA. So far:

SW - No response yet
SP - We noticed you have another SP (MC). Please let us know why you need another
BA - Too many cards open with Chase.

I have 10 cards currently open with Chase. 8 personal and 2 business. I offered to close a personal to get the BA approved and they said I have too many card. The 3rd rep I spoke with said I have 23 open lines of credit on my CR and they cant approve any new lines.

I just tried an SM to see if that works. I guess it is time to start moving some credit lines around and close some cards...
2 Pulls for mixing personal + biz
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 24, 2013, 06:28:51 AM
2 Pulls for mixing personal + biz
-0.5

Title: Re: My next app-o-rama...
Post by: alpicone on April 24, 2013, 08:20:28 AM
2 Pulls for mixing personal + biz

-0.5

Got a single EXP pull for all chase apps.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 24, 2013, 08:31:50 AM
Got a single EXP pull for all chase apps.
And yet another successful report.
Title: Re: My next app-o-rama...
Post by: Dan on April 24, 2013, 11:53:55 AM
BA is very hard to churn.

2 Pulls for mixing personal + biz
Both of those are no longer true according to several reports.
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 24, 2013, 11:56:16 AM
Both of those are no longer true according to several reports.
Is the BA before and after avios theory true or just in general you can churn BA?
Title: Re: My next app-o-rama...
Post by: Dan on April 24, 2013, 12:05:56 PM
Is the BA before and after avios theory true or just in general you can churn BA?
One of those are true.
Title: Re: My next app-o-rama...
Post by: SPLP on April 24, 2013, 12:27:22 PM
Is the BA before and after avios theory true or just in general you can churn BA?

What is "avios theory true " ??

is it done same way as united?
Title: Re: My next app-o-rama...
Post by: lfas25 on April 24, 2013, 12:35:21 PM
Dunno where to post this but....

I am very excited. Last August I did a 2bm for my wife (she had minimal credit) and was only able to get approved for 1 cc from Chase, she got approved for 8k and they automatically raised it to 12k a few months ago. In December I did a 2bm with Amex, got her the MB Platinum and SPG. (since closed the MB). I just did a 3bm with chase and got all instant approved for:

United Explorer - 50k after spending 1g in 3 months, and 5k after signing up an AU - got approved for $12,000
Freedom - "$100" back after spending $500 in 3 months - approved for $8500
Sapphire Preferred - 40k after spending 3g in 3 months - approved for $7500

I by mistake sent the Freedom card before the Sapphire as I missed entering her mothers maiden name on that app.
Title: Re: My next app-o-rama...
Post by: PETERP on April 24, 2013, 12:50:38 PM
Both of those are no longer true according to several reports.

Link please ? Or at least how recent ?
Title: Re: My next app-o-rama...
Post by: yuneeq on April 24, 2013, 03:24:40 PM
Link please ? Or at least how recent ?

About the 1 pull for chase biz and personal, it has been reported in the past month around 5-10 times just in this forum. You'll probably be able to find the reports in the 2/3bm thread
Title: Re: My next app-o-rama...
Post by: tll on April 24, 2013, 03:59:21 PM
So BA you can open , transfer credit close , reopen every few months?

Chas sapphire, BA , United - you can churn.
Any Citi card you can churn?
Amex- seems to be the hardest. I applied again for the Gold after less then a year- miles never posted . I will wait until 8 weeks.
Title: Re: My next app-o-rama...
Post by: judahk88 on April 24, 2013, 04:00:55 PM
So BA you can open , transfer credit close , reopen every few months?

Chas sapphire, BA , United - you can churn.
Any Citi card you can churn?
Amex- seems to be the hardest. I applied again for the Gold after less then a year- miles never posted . I will wait until 8 weeks.
CMIIW I dont think you can do it every few months more like every year or so.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 24, 2013, 04:25:58 PM
So BA you can open , transfer credit close , reopen every few months?
Not so simple. BA churning is still a work-in-progress.
Any Citi card you can churn?
Yes. After waiting 12-18 months.
Title: Re: My next app-o-rama...
Post by: SPLP on April 24, 2013, 06:26:45 PM
A  few replies from those that have  NOT  done BA  churn -- Dan who has --no reply! --why not explain how?-
Title: Re: My next app-o-rama...
Post by: ben2012 on April 24, 2013, 11:17:33 PM
Hi, I intend to apply for the following in June 2013:

Chase Sapphire Preferred
Chase Hyatt
Chase Freedom
Club Carlson Visa Signature
Amex SPG

At the same time, I am thinking of giving up my Chase United Visa cards as the annual fees are nearly due.

I would appreciate some advice on the chances of getting all 3 Chase cards and how many hard pulls I will get. Thanks.
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 24, 2013, 11:19:21 PM
Hi, I intend to apply for the following in June 2013:

Chase Sapphire Preferred
Chase Hyatt
Chase Freedom
Club Carlson Visa Signature
Amex SPG

At the same time, I am thinking of giving up my Chase United Visa cards as the annual fees are nearly due.

I would appreciate some advice on the chances of getting all 3 Chase cards and how many hard pulls I will get. Thanks.
You will get one hard pull from each bank per personal and business card (aside from Amex).
Title: Re: My next app-o-rama...
Post by: sky121 on April 24, 2013, 11:19:55 PM
Hi, I intend to apply for the following in June 2013:

Chase Sapphire Preferred
Chase Hyatt
Chase Freedom
Club Carlson Visa Signature
Amex SPG

At the same time, I am thinking of giving up my Chase United Visa cards as the annual fees are nearly due.

I would appreciate some advice on the chances of getting all 3 Chase cards and how many hard pulls I will get. Thanks.

Credit score? Credit history?
Title: Re: My next app-o-rama...
Post by: ben2012 on April 24, 2013, 11:46:50 PM
Credit score? Credit history?

credit score around 765. Credit history around 2.5 years.
Title: Re: My next app-o-rama...
Post by: PETERP on April 25, 2013, 04:44:39 AM
About the 1 pull for chase biz and personal, it has been reported in the past month around 5-10 times just in this forum. You'll probably be able to find the reports in the 2/3bm thread

Thank you . FWIW I got 2 pulls end of February. Hope things are changing  :)
Title: Re: My next app-o-rama...
Post by: gloreglabert on April 25, 2013, 11:44:19 AM
About the 1 pull for chase biz and personal, it has been reported in the past month around 5-10 times just in this forum. You'll probably be able to find the reports in the 2/3bm thread
I've seen this reported a couple times but didn't hear if anything was needed to do it.  Is it either (1) a change on Chase's end, (2) luck, or (3) a trick?
Title: Re: My next app-o-rama...
Post by: rots5 on April 25, 2013, 12:09:18 PM
so here is my AOR so far....just finished....not to great :-(
boy do i have a full day ahead of me now!!


chase biz:
IB - pending
IP - pending
UA - pending

Chase Personal:
Hyatt - pending
SP Visa - pending

Citi:
AA Visa - Approved
AA amex - Approved

so after all the dust settled
chase:
ink plus - 50k (already posted)
united explorer - 50k (already posted)

hyatt - 2 free nights, two free upgrades, 100$ statement cr (and pending on the AF waived)

citi:
amex 50k (waiting for the points to post)
visa 50k (waiting to post)

i would like to personally thank meir613 and JJGM for all there help!
Title: Re: My next app-o-rama...
Post by: yuneeq on April 25, 2013, 12:34:57 PM
I've seen this reported a couple times but didn't hear if anything was needed to do it.  Is it either (1) a change on Chase's end, (2) luck, or (3) a trick?

I suspect 1 but it could be 2. I haven't seen recent reports of 2 pulls. (The guy who got 3 pulls doesn't count) And 3 would depend on 1, but even newbies were getting 1 pull, so its not likely.
Title: Re: My next app-o-rama...
Post by: gloreglabert on April 25, 2013, 01:09:06 PM
I suspect 1 but it could be 2. I haven't seen recent reports of 2 pulls. (The guy who got 3 pulls doesn't count) And 3 would depend on 1, but even newbies were getting 1 pull, so its not likely.
Yes, I would guess 1 as well -- I suspect that what happened is that the Chase biz credit pulling entity (or whatever you want to call it) was merged with the Chase personal entity, so now the name shows up the same when they pull (and thus merge).  The major question is whether we have any recent counterexamples, since that would immediately disprove the theory.  Anyone who's done any Chase biz apps recently and pulled their reports after -- how does the Chase entry show up?
Title: Re: My next app-o-rama...
Post by: yuneeq on April 27, 2013, 10:56:42 PM
Gonna go for an AOR tonight for my wife. She previously only had a Nordstrom card for a little, and a Victoria's Secret for a couple years. I also added her as an AU on a bunch of AMEX and Chase cards. Tell me if you think this is too much.

AMEX
BGR
SPG
MB Plat

Chase
SP
Hyatt
UMPE

Too many cards?
TIA
Title: Re: My next app-o-rama...
Post by: judahk88 on April 27, 2013, 10:58:57 PM
Gonna go for an AOR tonight for my wife. She previously only had a Nordstrom card for a little, and a Victoria's Secret for a couple years. I also added her as an AU on a bunch of AMEX and Chase cards. Tell me if you think this is too much.

AMEX
BGR
SPG
MB Plat

Chase
SP
Hyatt
UMPE

Too many cards?
TIA
Shouldn't be too much. Let us know how it goes.
Title: Re: My next app-o-rama...
Post by: Yellow on April 27, 2013, 11:37:57 PM
So tomorrow I hope to do an AOR, but i'm in need of a little advice...
I currently have an Ink bold open which I want to close tonight because it has an annual $95 fee that was charged. I also have the freedom, flexible rewards, and sapphire preferred which I switched to a MC. So my question is, can I close the IB card tonight and apply for the
1) ink plus
2) United business
3) sapphire Visa

Barclays:
2bm with UsAir cards (hopefully I can just tell them I need seperate cards for diff expenses)

BofA:
are the hawaiian and virgin airways cards churnable?

Citi:
2bm with AA cards

Thanks in advance!
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 28, 2013, 12:29:22 AM
So tomorrow I hope to do an AOR, but i'm in need of a little advice...
I currently have an Ink bold open which I want to close tonight because it has an annual $95 fee that was charged. I also have the freedom, flexible rewards, and sapphire preferred which I switched to a MC. So my question is, can I close the IB card tonight and apply for the
1) ink plus
2) United business
3) sapphire Visa

Barclays:
2bm with UsAir cards (hopefully I can just tell them I need seperate cards for diff expenses)

BofA:
are the hawaiian and virgin airways cards churnable?

Citi:
2bm with AA cards

Thanks in advance!
Just mentioning that  Chase will pull twice if you do personal and business.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 28, 2013, 12:38:26 AM
Just mentioning that  Chase will pull twice if you do personal and business.
-.5
YMMV.
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 28, 2013, 12:40:52 AM
So tomorrow I hope to do an AOR, but i'm in need of a little advice...
I currently have an Ink bold open which I want to close tonight because it has an annual $95 fee that was charged. I also have the freedom, flexible rewards, and sapphire preferred which I switched to a MC. So my question is, can I close the IB card tonight and apply for the
1) ink plus
2) United business
3) sapphire Visa
Looks good.

Barclays:
2bm with UsAir cards (hopefully I can just tell them I need seperate cards for diff expenses)
Numerous reports of this not working anymore.

Citi:
2bm with AA cards
This too doesn't work anymore.
Title: Re: My next app-o-rama...
Post by: Saver2000 on April 28, 2013, 12:45:28 AM
This too doesn't work anymore.
-.5
You can do plat + gold.  CMIIW
Title: Re: My next app-o-rama...
Post by: Yellow on April 28, 2013, 12:54:29 AM
-.5
You can do plat + gold.  CMIIW
??
There are citi aa plat and gold cards?

Title: Re: My next app-o-rama...
Post by: Yellow on April 28, 2013, 12:55:09 AM
Looks good.
Numerous reports of this not working anymore.
This too doesn't work anymore.

So everything looks good with chase? So I should go ahead and close my IB card then, right?
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 28, 2013, 01:01:32 AM
-.5
You can do plat + gold.  CMIIW
I think you are. There's a new 1-app-per-day policy. There have been reports though of the biz and gold getting through in one day (but with two pulls - so what's the point of the 2BM?)
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 28, 2013, 01:03:15 AM
??
There are citi aa plat and gold cards?
Yes. Two plats stopped working a while ago. Then the plat+gold also stopped. Now it's just the biz plat and regular gold that work (but as i mentioned in last post, i don't see the point of such a 2BM)
Title: Re: My next app-o-rama...
Post by: Yellow on April 28, 2013, 01:05:30 AM
Yes. Two plats stopped working a while ago. Then the plat+gold also stopped. Now it's just the biz plat and regular gold that work (but as i mentioned in last post, i don't see the point of such a 2BM)
I don't really mind the pulls so it's not so much of an issue for me
Just wanna do what will work (or has a slight chance)
Thanks!
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 28, 2013, 01:06:11 AM
So everything looks good with chase? So I should go ahead and close my IB card then, right?
Or keep it opened to use as leverage. Though, reports on using a charge card as leverage have been somewhat ambiguous.
Title: Re: My next app-o-rama...
Post by: PETERP on April 28, 2013, 05:48:39 AM
??
There are citi aa plat and gold cards?

Yes I did 50 K plat and 30K Gold 2 months ago . Things may have changed . Approved via live Chat. WTG IMO 
Title: Re: My next app-o-rama...
Post by: tuvz on April 29, 2013, 12:40:49 AM
Yes I did 50 K plat and 30K Gold 2 months ago . Things may have changed . Approved via live Chat. WTG IMO

Link please? Do you need an account to chat with them?
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 29, 2013, 12:43:14 AM
Link please?
Links are in the wiki.
Though, i doubt this method still works.
Title: Re: My next app-o-rama...
Post by: m65 on April 29, 2013, 03:19:00 AM
amex biz +personal = 1pull or 2 pulls?
Title: Re: My next app-o-rama...
Post by: PETERP on April 29, 2013, 04:40:37 AM
Link please? Do you need an account to chat with them?


Not sure you need an account, but I had existing accounts with Citi at the time.

  One app brought up live chat option upon completion . Second app brought up live chat option when I clicked through to status page.

 
Title: Re: My next app-o-rama...
Post by: Shmulyg on April 29, 2013, 05:47:59 AM
amex biz +personal = 1pull or 2 pulls?
Usually one.
Title: Re: My next app-o-rama...
Post by: m65 on April 29, 2013, 09:15:22 AM
what is the most rewarding amex biz card offer now?
Title: Re: My next app-o-rama...
Post by: Moshe123 on April 29, 2013, 09:17:47 AM
what is the most rewarding amex biz card offer now?

See the wiki here:

http://forums.dansdeals.com/index.php?topic=25991.0

The Business Gold Rewards Card (BGR).
Title: Re: My next app-o-rama...
Post by: m65 on April 29, 2013, 03:09:36 PM
will a 3bm of biz rewards gold, biz starwoods, personal blue cash count as 1 pull?
Title: Re: My next app-o-rama...
Post by: Marco Polo on April 29, 2013, 03:11:49 PM
will a 3bm of biz rewards gold, biz starwoods, personal blue cash count as 1 pull?
It should, but YMMV.
Title: Re: My next app-o-rama...
Post by: Buckaroo123 on April 30, 2013, 11:40:22 PM
I am planning on doing an AoR soon and was wondering how quickly should I submit my apps between banks? If I apply for all the cards I want from Chase, how long of a time window do I have for doing 3bm for Amex and so on? 5, 10 minutes? Do most people have all of their apps filled in for their AoR and do it all at once?

Thanks
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 30, 2013, 11:48:24 PM
I am planning on doing an AoR soon and was wondering how quickly should I submit my apps between banks? If I apply for all the cards I want from Chase, how long of a time window do I have for doing 3bm for Amex and so on? 5, 10 minutes? Do most people have all of their apps filled in for their AoR and do it all at once?

Thanks
You can wait a little in between banks.

Title: Re: My next app-o-rama...
Post by: Moshe123 on April 30, 2013, 11:51:47 PM
You can wait a little in between banks.

Doesn't it usually take about a day?
Title: Re: My next app-o-rama...
Post by: MEIR613 on April 30, 2013, 11:54:24 PM
Doesn't it usually take about a day?
Some show right after.

Title: Re: My next app-o-rama...
Post by: jaywhy on May 03, 2013, 10:36:53 AM
What do you guys think of this?

Chase
Ink Bold
Ink Plus
SW Biz
(I need the SW to hit Companion Pass status asap but they are not currently running a 50k promo. Should I risk getting the card and asking for a 50k match?)

Citi
AA Biz 50k
AA Visa 50k

Barclays
USAir 35k
NFL $400

Amex
Morgan Stanley Plat
MB Plat
Biz Gold
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 03, 2013, 10:38:49 AM
What do you guys think of this?

Chase
Ink Bold
Ink Plus
SW Biz
(I need the SW to hit Companion Pass status asap but they are not currently running a 50k promo. Should I risk getting the card and asking for a 50k match?)

Citi
AA Biz 50k
AA Visa 50k

Barclays
USAir 35k
NFL $400

Amex
Morgan Stanley Plat
MB Plat
Biz Gold
Once you are already applying for the other business cards, i don't think it will hurt to try.
Title: Re: My next app-o-rama...
Post by: jaywhy on May 03, 2013, 10:44:05 AM
Once you are already applying for the other business cards, i don't think it will hurt to try.
I mean in terms of getting the bonus. I need the CP asap and need the 50k in order to get it. Otherwise I'd get an Ink Classic.
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 03, 2013, 10:45:07 AM
I mean in terms of getting the bonus. I need the CP asap and need the 50k in order to get it.
The only way to really see if you will get the bonus is to apply for the card. You definitely will not get the 50k if you don't signup.
Title: Re: My next app-o-rama...
Post by: est on May 05, 2013, 12:36:50 AM
Im still looking for suggestions on my next app-o-rama... my last one was oct.

I currently have:

BA
united
starwood
starwood business
amex blue cash
amex gold premier rewards gold
freedom
sapphire preferred
aa citi card

my starwood is by far the oldest so i dont want to touch that.

i will be doing two inks and united business, any suggestions on what else?
Title: Re: My next app-o-rama...
Post by: Hamavin on May 05, 2013, 12:28:48 PM
i tried to switch my saphire preffered visa i got 6 months ago to a mc so i can reapply and was told  a few times you cant make a product change within the 1st year even thoughmy wife was able to what should i do?
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 05, 2013, 12:32:42 PM
i tried to switch my saphire preffered visa i got 6 months ago to a mc so i can reapply and was told  a few times you cant make a product change within the 1st year even thoughmy wife was able to what should i do?
HUCA or SM.
Title: Re: My next app-o-rama...
Post by: Moshe123 on May 05, 2013, 12:33:45 PM
i tried to switch my saphire preffered visa i got 6 months ago to a mc so i can reapply and was told  a few times you cant make a product change within the 1st year even thoughmy wife was able to what should i do?

 What do you benefit?
Title: Re: My next app-o-rama...
Post by: Hamavin on May 05, 2013, 12:35:40 PM
can reapply for visa cuz cant find mc link
Title: Re: My next app-o-rama...
Post by: Fan of Dan on May 05, 2013, 03:02:52 PM
Newbie question here, if I close out my Sapphire preffered and open the ink bold and plus how long will it take to be able to transfer points from when I get approved?
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 05, 2013, 03:33:14 PM
Newbie question here, if I close out my Sapphire preffered and open the ink bold and plus how long will it take to be able to transfer points from when I get approved?
I don't think it is a good idea to close out a card 'for no reason'. Keep it open to use as leverage. You may also lose your points (they may have a small time period you can still use them).
Title: Re: My next app-o-rama...
Post by: Fan of Dan on May 05, 2013, 03:51:34 PM
I don't think it is a good idea to close out a card 'for no reason'. Keep it open to use as leverage. You may also lose your points (they may have a small time period you can still use them).
I had it a year and now comes the annual fee. Anything to lose by opening the ink bold and plus to keep my points transferable and get 100k ur? I'll close the SP to use as leverage.
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 05, 2013, 03:52:35 PM
I had it a year and now comes the annual fee. Anything to lose by opening the ink bold and plus to keep my points transferable and get 100k ur? I'll close the SP to use as leverage.
You can try that but not sure if you can use as leverage for business cards.

Do you have any other Chase cards?
Title: Re: My next app-o-rama...
Post by: Hamavin on May 05, 2013, 04:07:22 PM
anyone know if you can still get the ua biz matched to 55k?
Title: Re: My next app-o-rama...
Post by: Saver2000 on May 05, 2013, 04:08:25 PM
anyone know if you can still get the ua biz matched to 55k?
50k, not 55k.
Title: Re: My next app-o-rama...
Post by: Hamavin on May 05, 2013, 04:10:49 PM
k thanks can i rely it will happen or its chancy?
Title: Re: My next app-o-rama...
Post by: Shmulyg on May 05, 2013, 04:16:19 PM
k thanks can i rely it will happen or its chancy?
Unless there's some major change, it's not chancy.
Title: Re: My next app-o-rama...
Post by: Fan of Dan on May 05, 2013, 06:58:42 PM
You can try that but not sure if you can use as leverage for business cards.

Do you have any other Chase cards?
I have 3 cards all consumer, UA, Freedom and SP. Are you sure that you cannot leverage consumer onto biz cards?
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 05, 2013, 08:25:01 PM
I have 3 cards all consumer, UA, Freedom and SP. Are you sure that you cannot leverage consumer onto biz cards?
Not sure. Maybe someone can chime in.
Title: Re: My next app-o-rama...
Post by: Fan of Dan on May 05, 2013, 08:30:18 PM
Not sure. Maybe someone can chime in.
Maybe I will be able to chime in once I finish with the app. I really don't feel like paying the annual fee on the SP so my only option is to get the bold and plus as a 2bm. Just wondering how long it would take to be able to transfer points.
Title: Re: My next app-o-rama...
Post by: RANDOMONE on May 05, 2013, 09:50:42 PM
I personally was able to leverage my Saphire preferred to approve a ink plus biz card.......my question is should \i be able to do a MB plat and biz gold amex card and count on getting the bonus on each?
Title: Re: My next app-o-rama...
Post by: Shmulyg on May 06, 2013, 12:55:03 AM
my question is should \i be able to do a MB plat and biz gold amex card and count on getting the bonus on each?
Yes you can (granted you meet the rest of the 3/12 month restrictions).
Title: Re: My next app-o-rama...
Post by: Shmelly on May 06, 2013, 10:30:36 AM
I've been out of the game for the past few months (swamped with work bh), and a rabbi of mine asked me to do his first AOR for him. His goal is to make about $5000 / fly his family to Israel by sukkos. He currently only has the SP and a Delta Amex.

I think I'm going to start with just Chase to get his feet wet. On the Chase Biz side, does IB 50K/IP 50K/United Biz 55K still make sense? On the Chase personal side, which card (other than SP, I don't have the patience to deal with the shuffle for him) can I throw in with a United? Thanks.
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 06, 2013, 10:42:51 AM
I've been out of the game for the past few months (swamped with work bh), and a rabbi of mine asked me to do his first AOR for him. His goal is to make about $5000 / fly his family to Israel by sukkos. He currently only has the SP and a Delta Amex.

I think I'm going to start with just Chase to get his feet wet. On the Chase Biz side, does IB 50K/IP 50K/United Biz 55K still make sense? On the Chase personal side, which card (other than SP, I don't have the patience to deal with the shuffle for him) can I throw in with a United? Thanks.
The business makes sense.
Try the BA card.
Title: Re: My next app-o-rama...
Post by: m65 on May 06, 2013, 12:40:07 PM
how come the chase site doesn't say which sapphire product the app is for, I want the mcw
both on the preffered and non preffered same story
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 06, 2013, 12:41:34 PM
how come the chase site doesn't say which sapphire product the app is for, I want the mcw
both on the preffered and non preffered same story
I don't think you can get the MCW from the Chase site. Look at the MC website for a link.
Title: Re: My next app-o-rama...
Post by: Hamavin on May 06, 2013, 12:58:02 PM
couldnt find a link r u sure its there?
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 06, 2013, 01:40:33 PM
couldnt find a link r u sure its there?
I has used the link before, can't find it now. Maybe someone can chime in.
Title: Re: My next app-o-rama...
Post by: gloreglabert on May 06, 2013, 01:43:18 PM
I read recently that it seems to be gone.  Don't know if there's a workaround to get the offer.
Title: Re: My next app-o-rama...
Post by: Hamavin on May 06, 2013, 02:20:43 PM
thanks i am just getting mixed reports if there is such a thing and cant find it would appreciate it if anyone has further info if/where i can pick up saphire preffered mcw application
Title: Re: My next app-o-rama...
Post by: m65 on May 06, 2013, 05:32:38 PM
thanks i am just getting mixed reports if there is such a thing and cant find it would appreciate it if anyone has further info if/where i can pick up saphire preffered mcw application
weird. why do they preffer visa?
Title: Re: My next app-o-rama...
Post by: Zevwolf on May 06, 2013, 10:30:34 PM
I think creditcard.com has a link for the mc
Title: Re: My next app-o-rama...
Post by: Hamavin on May 07, 2013, 01:49:10 AM
thanks but i could not find it r u sure?
Title: Re: My next app-o-rama...
Post by: Yellow on May 19, 2013, 04:57:19 PM
Anyone know if BofA cards are churnable? in specific VA and hawaiian?
Title: Re: My next app-o-rama...
Post by: rots5 on May 19, 2013, 05:55:54 PM
Anyone know if BofA cards are churnable? in specific VA and hawaiian?
they say there nearly impossible...
but i might be thinking of Citi
Title: Re: My next app-o-rama...
Post by: MEIR613 on May 19, 2013, 06:25:08 PM
Anyone know if BofA cards are churnable? in specific VA and hawaiian?
Yes they are.
they say there nearly impossible...
-1
but i might be thinking of Citi
-.05
Title: Re: My next app-o-rama...
Post by: YakovT on May 21, 2013, 04:19:40 AM
Credit Score 745. Last card i got was freedom 5.5 months ago. Want to get 3 citi cards next, should i wait til a full 6 months passes or is 5.5 enough? And is the 3bm still safe?
Title: Re: My next app-o-rama...
Post by: PETERP on May 21, 2013, 05:18:00 AM
Credit Score 745. Last card i got was freedom 5.5 months ago. Want to get 3 citi cards next, should i wait til a full 6 months passes or is 5.5 enough? And is the 3bm still safe?

First round with Citi ? Which Citi ? Policy varies . Be more specific
Title: Re: My next app-o-rama...
Post by: YakovT on May 21, 2013, 08:21:55 AM
First round with Citi ? Which Citi ? Policy varies . Be more specific

all aadvantage. platinum select mastercard and visa and citibusiness world mastercard (all 30k aa miles - trying to get most miles)

btw, would the business be a separate pull?

thanks
Title: Re: My next app-o-rama...
Post by: YakovT on May 21, 2013, 08:22:55 AM
and yes, first ever dealings with citi. only have history with chase n bank of america. (also have banana card, capital one)
Title: Re: My next app-o-rama...
Post by: PETERP on May 21, 2013, 12:01:37 PM
and yes, first ever dealings with citi. only have history with chase n bank of america. (also have banana card, capital one)


I doubt you can do a 3 BM With Citi . All I know of Citi is sort of old news . It used to be no more than 2 Citi cards and we would get two Citi AA cards.

Did this recently with 50 K plat and 30 K Gold Citi AA  . Then after 65 days go for the Biz card.

I  believe that will still work if you are not churning, and speak nicely to their online chat department,during or after your application

GL
Title: Re: My next app-o-rama...
Post by: Shmulyg on May 21, 2013, 01:15:00 PM
Citi 3BMs are long dead. They most likely will not allow more than one card a day, and even if they do, you will get a pull per each card.
Title: Re: My next app-o-rama...
Post by: Yellow on May 22, 2013, 10:45:21 AM
Yes they are
Thanks! Do I need to make new ffn #?
Title: Re: My next app-o-rama...
Post by: aviz on May 22, 2013, 10:51:15 AM
Citi 3BMs are long dead. They most likely will not allow more than one card a day, and even if they do, you will get a pull per each card.

+1

2BM's are dead too
Title: Re: My next app-o-rama...
Post by: PETERP on May 22, 2013, 10:23:22 PM
+1

2BM's are dead too


2BM 50 K plat AA and 30 K AA gold dead?  Rest in peace ,glad I pulled the trigger before the funeral!

Believe there is some creative info on getting 130! K AA PoInts if someone wants to
do their Due Diligence .
Title: Re: My next app-o-rama...
Post by: Shmulyg on May 22, 2013, 10:39:24 PM

2BM 50 K plat AA and 30 K AA gold dead?  Rest in peace ,glad I pulled the trigger before the funeral!

Believe there is some creative info on getting 130! K AA PoInts if someone wants to
do their Due Diligence .
There are reports of the biz and MC Gold still going through the same day, but with two pulls - so not really a 2BM.
Title: Re: My next app-o-rama...
Post by: Drago on May 26, 2013, 03:45:23 AM
I have an upcoming AOR, and also have to cancel a few Cap1 and BOA cards.
Should I cancel the cards b/f the AOR, or first AOR, and then cancel them.
(These cards won't help me anyhow with recon)
Title: Re: My next app-o-rama...
Post by: Saver2000 on May 26, 2013, 03:50:18 AM
I have an upcoming AOR, and also have to cancel a few Cap1 and BOA cards.
Should I cancel the cards b/f the AOR, or first AOR, and then cancel them.
(These cards won't help me anyhow with recon)
What's your utilization ratio like?
If you have high balances on your other cards, then the BOA+cap1 lines are helping your overall utilization rate.

Title: Re: My next app-o-rama...
Post by: Drago on May 26, 2013, 07:21:56 AM
What's your utilization ratio like?
If you have high balances on your other cards, then the BOA+cap1 lines are helping your overall utilization rate.


very low utilization
and I'll pay off most of the remaining balances b/f the AOR.
I'm unsure if the recently closed accounts may look bad.
Title: Re: My next app-o-rama...
Post by: CountValentine on May 26, 2013, 10:38:56 AM
I have an upcoming AOR, and also have to cancel a few Cap1 and BOA cards.
Should I cancel the cards b/f the AOR, or first AOR, and then cancel them.
(These cards won't help me anyhow with recon)
I would keep the Cap1 cards. Never know when they might come in handy.  ;)
Title: Re: My next app-o-rama...
Post by: A European on May 27, 2013, 01:49:27 AM
My (wife's) next mini AOR.
AMEX:
Starwood
Blue preferred
Delta gold
(she only had PRG )

CHASE:
sapphire preferred
HYATT.


Still afraid from business card's.
Title: Re: My next app-o-rama...
Post by: PETERP on May 27, 2013, 04:57:41 AM
I would keep the Cap1 cards. Never know when they might come in handy.  ;)

Never had a Cap 1 card . Have heard them referred to as Crap one . Aside from history, are they any good to get
Title: Re: My next app-o-rama...
Post by: m65 on May 27, 2013, 09:12:10 AM
Never had a Cap 1 card . Have heard them referred to as Crap one . Aside from history, are they any good to get
2% gas/groceries 1% all purchases. no AF no foreign transaction fee.
im pretty happy with mine.
big minus is they pull all 3 credit reports
Title: Re: My next app-o-rama...
Post by: tuvz on May 27, 2013, 09:19:15 AM
My (wife's) next mini AOR.
AMEX:
Starwood
Blue preferred
Delta gold
(she only had PRG )

CHASE:
sapphire preferred
HYATT.


Still afraid from business card's.

Good luck!

I was also apprehensive about biz cards for a while, but finally went ahead and applied
Got approved fairly easily
Just takes a bit of work before to prepare answers to the questions theyll ask about your business
Title: Re: My next app-o-rama...
Post by: Dan on May 27, 2013, 11:57:56 AM
Still afraid from business card's.
Why?
Title: Re: My next app-o-rama...
Post by: glasses dude on May 27, 2013, 12:33:07 PM
Why?
dunno why for some reason its scary but I'm about to take the plunge
Title: Re: My next app-o-rama...
Post by: A European on May 27, 2013, 12:38:11 PM
Why?
1)Don't have my own business.
2)Just by selling a few stuff on e-bay,  not a good excuse for recon for  a 3BM on business.
3)To big of a lie for me to handle with
Title: Re: My next app-o-rama...
Post by: glasses dude on May 27, 2013, 12:42:06 PM
1)Don't have my own business.
2)Just by selling a few stuff on e-bay,  not a good excuse for recon for  a 3BM on business.
3)To big of a lie for me to handle with
define business ..selling stuff on eBay is definitely a business. And as far as lying well that's for the ethics thread
Title: Re: My next app-o-rama...
Post by: itsyehuda on May 27, 2013, 12:49:16 PM
1)Don't have my own business.
2)Just by selling a few stuff on e-bay,  not a good excuse for recon for  a 3BM on business.
3)To big of a lie for me to handle with

Why do you have to lie? Anything that you attempt in order to make money would be under the business umbrella of a sole proprietorship.

Methinks that if you believe it be a lie, then the rep might as well. If you believe what you're saying you might convince someone else.
Title: Re: My next app-o-rama...
Post by: Dan on May 27, 2013, 02:54:59 PM
Why do you have to lie? Anything that you attempt in order to make money would be under the business umbrella of a sole proprietorship.
Bingo.
Use 100% truthful info and you have no reason to lie.
0 years in business, no revenue, want to buy some inventory to sell on ebay/Amazon.

Ink cards are fantastic, silly to pass them up.
Title: Re: My next app-o-rama...
Post by: A European on May 27, 2013, 04:21:09 PM
0 years in business
Will it get me 3 or at  least 2 CC?
Title: Re: My next app-o-rama...
Post by: danfan5773 on May 27, 2013, 06:21:48 PM
I'm thinking of applying for a few business cards with chase  I have about $15000. chase, $21000. with amex, $26000. with boa, $25000. with Citi, very low utilization on the cards I use.
 I understood here on ddf that u can transfer personal credit line to business now my questions

1-  by transferring the credit line from  personal to business, and the business line  won't show  on my credit report will that hurt me.
if it does is it still worth it.

2- I have boa $26000. all in 1 card its my biggest card and have had  since 2004  haven't used in a long time can they shut it, should I use what does use mean a small amount for activity or larger amount, every so when should u use these cards so they don't shut for no use TIA   
Title: Re: My next app-o-rama...
Post by: A European on May 27, 2013, 07:04:38 PM

0 years in business
no such option minimum in 1
Title: Re: My next app-o-rama...
Post by: Dan on May 27, 2013, 07:05:29 PM
Nunu, say 1 and explain you're opening the business now if you want.
Title: Re: My next app-o-rama...
Post by: tuvz on May 27, 2013, 09:18:18 PM
Nunu, say 1 and explain you're opening the business now if you want.

they gave me a lot of trouble getting more than one Biz card as my business was only 3-4 years old..
Title: Re: My next app-o-rama...
Post by: SPLP on May 28, 2013, 12:12:04 AM
they gave me a lot of trouble getting more than one Biz card as my business was only 3-4 years old..

time open , small part of it - it is what u say. how u say it, all with confidence!
Title: Re: My next app-o-rama...
Post by: TC610 on May 28, 2013, 12:36:21 AM
My Sole Proprietorship was 1 day old when I applied for my 3BM (IB, IP, UA).  No problem having recon open all 3.
Title: Re: My next app-o-rama...
Post by: A European on May 28, 2013, 12:40:14 AM
My Sole Proprietorship was 1 day old when I applied for my 3BM (IB, IP, UA).  No problem having recon open all 3.
How long ago?
What did you tell recon Why did you need 3 CC?
Title: Re: My next app-o-rama...
Post by: TC610 on May 28, 2013, 11:24:39 PM
How long ago?
What did you tell recon Why did you need 3 CC?
About 2 months ago.
http://forums.dansdeals.com/index.php?topic=9825.msg461223#msg461223

I was never asked why I needed 3 cards.  After I opened the IB, recon asked why I needed the IP in addition to the IB to which I replied something along the lines of: I need the flexibility of a credit line for purchases I cannot pay in full every month.  When I called recon for the UA, I was not asked anything about my other 2 apps.
Title: Re: My next app-o-rama...
Post by: YT on May 29, 2013, 07:06:55 PM
Just applied for :

United Explorer
Freedom
SP
- how much would it take for me to get enough points to get two people to israel?
Title: Re: My next app-o-rama...
Post by: sky121 on May 29, 2013, 07:09:38 PM
Just applied for :

United Explorer
Freedom
SP
- how much would it take for me to get enough points to get two people to israel?

2 people in coach would be 160,000 points.
Title: Re: My next app-o-rama...
Post by: rots5 on May 29, 2013, 07:10:36 PM
Just applied for :

United Explorer
Freedom
SP
- how much would it take for me to get enough points to get two people to israel?
if i get the 50k UMPE and transfer the 40k UR to united ull have one full ticket - economy - and extra 10k left.  I'd suggest sell ur points if ur trying to get the best deal
Title: Re: My next app-o-rama...
Post by: Zevwolf on May 29, 2013, 08:31:23 PM
Even in the summer could you get for 80k ua?
Title: Re: My next app-o-rama...
Post by: rots5 on May 29, 2013, 08:35:03 PM
Even in the summer could you get for 80k ua?
with in 3 hrs of the flight.  Ya. Sometimes.
Title: Re: My next app-o-rama...
Post by: sky121 on May 29, 2013, 08:35:59 PM
Even in the summer could you get for 80k ua?

Finding availability is always harder In the summer and has gotten even harder in the past years. But it is possible.
Title: Re: My next app-o-rama...
Post by: Zevwolf on May 29, 2013, 08:40:46 PM
Is it hard to find at all for miles? or for 80k?
Title: Re: My next app-o-rama...
Post by: MEIR613 on May 29, 2013, 09:57:10 PM
Is it hard to find at all for miles? or for 80k?
Depends on the season.
Title: Re: My next app-o-rama...
Post by: YT on May 29, 2013, 10:42:46 PM
if i get the 50k UMPE and transfer the 40k UR to united ull have one full ticket - economy - and extra 10k left.  I'd suggest sell ur points if ur trying to get the best deal

either the SP or the United churnable?
Title: Re: My next app-o-rama...
Post by: A European on May 29, 2013, 10:57:46 PM
either the SP or the United churnable?
Both
Title: Re: My next app-o-rama...
Post by: YT on May 29, 2013, 11:02:55 PM
2 people in coach would be 160,000 points.

if i get the 50k UMPE and transfer the 40k UR to united ull have one full ticket - economy - and extra 10k left.  I'd suggest sell ur points if ur trying to get the best deal

thats a big difference between you two

 i dont wanna waste anyones time- is there a thread discussing all churnable cards and what the turnover time is for them?
Title: Re: My next app-o-rama...
Post by: A European on May 29, 2013, 11:13:15 PM
thanks i dont wanna waste anyones time- is there a thread discussing all churnable cards and what the turnover time is for them?
SP :
Convert your SP visa to a  MasterCard,  and reapply right away , then tell reconsideration you prefer the visa  and you rather closed down  the MasterCard to approve the visa .

UA: 
OPEN A NEW FREQUENT FLYER NUMBER and put it into the application .....
The rest I'll  leave you for homework.
Title: Re: My next app-o-rama...
Post by: YT on May 29, 2013, 11:19:42 PM
SP :
Convert your SP visa to a  MasterCard,  and reapply right away , then tell reconsideration you prefer the visa  and you rather closed down  the MasterCard to approve the visa .

UA: 
OPEN A NEW FREQUENT FLYER NUMBER and put it into the application .....
The rest I'll  leave you for homework.


lol thanks. very much appreciated
Title: Re: My next app-o-rama...
Post by: A European on May 30, 2013, 12:12:26 AM
Nunu, say 1 and explain you're opening the business now if you want.
Did it and by the amount of $ for the business I put what I think I'll make.
 
About 2 months ago.
http://forums.dansdeals.com/index.php?topic=9825.msg461223#msg461223

I was never asked why I needed 3 cards.  After I opened the IB, recon asked why I needed the IP in addition to the IB to which I replied something along the lines of: I need the flexibility of a credit line for purchases I cannot pay in full every month.  When I called recon for the UA, I was not asked anything about my other 2 apps.
Thank you both of you!
I applied last night for the IP,  IB, UA BIZ.
All 3 have the 2 weeks message for the past 24 hours,  I rather wait then call.
Title: Re: My next app-o-rama...
Post by: m65 on May 30, 2013, 01:05:28 AM
Did it and by the amount of $ for the business I put what I think I'll make.
 Thank you both of you!
I applied last night for the IP,  IB, UA BIZ.
All 3 have the 2 weeks message for the past 24 hours,  I rather wait then call.
call don't wait
Title: Re: My next app-o-rama...
Post by: YT on May 30, 2013, 08:23:45 AM
call don't wait

If you call should you obly discuss one card at a time?
Title: Re: My next app-o-rama...
Post by: Marco Polo on May 30, 2013, 08:41:22 AM
If you call should you obly discuss one card at a time?
Depends how the CS rep is. You need to decide if they are being friendly or not.
Title: Re: My next app-o-rama...
Post by: Yellow on May 30, 2013, 04:47:40 PM
Quote from: Yellow on May 19, 2013, 04:57:19 pm
Anyone know if BofA cards are churnable? in specific VA and hawaiian?


"Yes they are."

New FFN needed?
Title: Re: My next app-o-rama...
Post by: MEIR613 on May 30, 2013, 04:50:46 PM
Quote from: Yellow on May 19, 2013, 04:57:19 pm
Anyone know if BofA cards are churnable? in specific VA and hawaiian?


"Yes they are."

New FFN needed?
Nope
Title: Re: My next app-o-rama...
Post by: Zevwolf on June 03, 2013, 10:56:36 PM
after applying for a new credit card how long does it take to show on my credit report? 
Title: Re: My next app-o-rama...
Post by: Moshe123 on June 03, 2013, 11:17:17 PM
after applying for a new credit card how long does it take to show on my credit report?

After the first statement.
Title: Re: My next app-o-rama...
Post by: Zevwolf on June 03, 2013, 11:20:03 PM
So it takes a month for another lender to know that I applyed for a card?
Title: Re: My next app-o-rama...
Post by: Moshe123 on June 03, 2013, 11:24:39 PM
So it takes a month for another lender to know that I applyed for a card?

Only if the pull was on a different credit report than the report from where they pull.
Title: Re: My next app-o-rama...
Post by: Nitantnel on June 03, 2013, 11:25:46 PM
No. The inquiry is basically instantly. But the details of the account is only reported once there is what to report...
Title: Re: My next app-o-rama...
Post by: Barryg on June 03, 2013, 11:27:58 PM
So it takes a month for another lender to know that I applyed for a card?

It depends: If you apply to lender that pulls from Experian and new lender does as well, they will see same/next day (I think same day, but not sure). If 2nd lender pulls from TU or Equifax it could take a month or even longer for new card to show up. You can follow this type of activity on creditkarma, credit sesame, and citi identity monitor.


Only if the pull was on a different credit report than the report from where they pull.
like he said as well
Title: Re: My next app-o-rama...
Post by: Saver2000 on June 03, 2013, 11:49:09 PM
It depends: If you apply to lender that pulls from Experian and new lender does as well, they will see same/next day (I think same day, but not sure). If 2nd lender pulls from TU or Equifax it could take a month or even longer for new card to show up. You can follow this type of activity on creditkarma, credit sesame, and citi identity monitor.
+1

But keep in mind, they have no idea if you were approved or declined.
This can be used to your advantage.
Title: Re: My next app-o-rama...
Post by: Barryg on June 03, 2013, 11:55:11 PM
+1

But keep in mind, they have no idea if you were approved or declined.
This can be used to your advantage.

In my first semi- app-o-rama, I think it worked to my disadvantage (unless huca ing amex will save it). They said reasons not accepted and 1st on list was too many pulls in last 12 months and only pull that I know of was that day...
It what instance will it be to your advantage?
Title: Re: My next app-o-rama...
Post by: Saver2000 on June 04, 2013, 12:29:53 AM
In my first semi- app-o-rama, I think it worked to my disadvantage (unless huca ing amex will save it). They said reasons not accepted and 1st on list was too many pulls in last 12 months and only pull that I know of was that day...
It what instance will it be to your advantage?
I was referring to fact that they can't tell if you were approved or denied.
Title: Re: My next app-o-rama...
Post by: Barryg on June 04, 2013, 12:35:17 AM
I was referring to fact that they can't tell if you were approved or denied.

Don't think either looks good, and is prob best to avoid...
Title: Re: My next app-o-rama...
Post by: Saver2000 on June 04, 2013, 12:45:13 AM
Don't think either looks good, and is prob best to avoid...
Obviously it isn't good, but what I meant is this:
If you do an app-o-rama, and then you call chase recon and they see the other pulls. They start asking you why, you just applied for a citi card and a barclays card etc.

When they ask you that, they don't know whether or not those other creditors approved you.

I would think that thats an advantage, since they are more likely to grant you credit - (approve you) - if they think that the other creditors did not already grant you credit (approve you.)

Makes sense?
Title: Re: My next app-o-rama...
Post by: glasses dude on June 04, 2013, 12:54:53 AM
Well would the fact that the other banks aren't willing to extend you credit get them nervous?
Title: Re: My next app-o-rama...
Post by: Barryg on June 04, 2013, 12:56:26 AM
Well would the fact that the other banks aren't willing to extend you credit get them nervous?
+1
What I would say, though, is that I was looking into different rewards etc. and after applying to x, I realized this was better (reason)...
Title: Re: My next app-o-rama...
Post by: Saver2000 on June 04, 2013, 12:59:32 AM
Well would the fact that the other banks aren't willing to extend you credit get them nervous?
Less nervous than knowing that 1) you just got CL's from another bank 1A) on top of that your still shopping for credit.

A different bank denying you just means that you didn't meet that other banks qualifications.
Its not like the other bank found out some info on you and therfore didn't approve you.
The "2nd" bank has all your info in front of them and can see if there was any significant reason why the other bank turned you down.

/just my .02
Title: Re: My next app-o-rama...
Post by: glasses dude on June 04, 2013, 01:03:16 AM
I hear that didn't think about it like that,especially if you could say the reason you got denied was cuz of lack of credit history with that bank, as chase and Barclay's seem to be fond of saying to new customers.
Title: Re: My next app-o-rama...
Post by: itsyehuda on June 04, 2013, 09:28:28 AM

Obviously it isn't good, but what I meant is this:
If you do an app-o-rama, and then you call chase recon and they see the other pulls. They start asking you why, you just applied for a citi card and a barclays card etc.

When they ask you that, they don't know whether or not those other creditors approved you.

I would think that thats an advantage, since they are more likely to grant you credit - (approve you) - if they think that the other creditors did not already grant you credit (approve you.)

Makes sense?

-1

I've actually heard the reps and managers accept the argument that they should extend credit just because another bank did.

The argument was "well, if AMEX, who is known to be a strict lender is willing to extend credit you should too."

It's not a panacea, but it might help someone with limited credit history.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 09:34:33 AM
-1

I've actually heard the reps and managers accept the argument that they should extend credit just because another bank did.

The argument was "well, if AMEX, who is known to be a strict lender is willing to extend credit you should too."

It's not a panacea, but it might help someone with limited credit history.
Going a bit OT, but great use of "panacea". Never really seen it in context before, its nice.
Title: Re: My next app-o-rama...
Post by: mgarfin on June 04, 2013, 03:00:49 PM
I need a nother batch of cards just fineshed for me and wife 4BM on AMEX

plat
gold
spg
delta

and barclays arrival

I think I should give a shot on Chase

SP

What other card should I add?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 03:01:29 PM
I need a nother batch of cards just fineshed for me and wife 4BM on AMEX

plat
gold
spg
delta

and barclays arrival

I think I should give a shot on Chase

SP

What other card should I add?
United, Freedom, BA...
Title: Re: My next app-o-rama...
Post by: mgarfin on June 04, 2013, 03:40:59 PM
Does it make any sense to start with biz cards?

I have a slat chase card with a large credit limit
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 03:51:42 PM
Does it make any sense to start with biz cards?

I have a slat chase card with a large credit limit
I don't think it makes a difference.
Title: Re: My next app-o-rama...
Post by: chilzech on June 04, 2013, 04:20:53 PM
Time for a Chase app. I already have....
Freedom
SP Visa
SP MW
United Club
United MPE
What should I go for/ should I cancel some and wait? (how long do I have to wait?)
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 04:30:04 PM
Time for a Chase app. I already have....
Freedom
SP Visa
SP MW
United Club
United MPE
What should I go for/ should I cancel some and wait? (how long do I have to wait?)
Ink Bold or Ink Plus for business. BA or Marriott for personal.  What do you need points/miles for?
Title: Re: My next app-o-rama...
Post by: chilzech on June 04, 2013, 05:00:30 PM
Mostly Israel back and forth. I dont have any business cards yet. Is it worth getting involved or can that cause an A/A ?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 05:01:42 PM
Mostly Israel back and forth. I dont have any business cards yet. Is it worth getting involved or can that cause an A/A ?
BA may be a good option for you. I don't think it should cause an AA. Just don't go crazy with the business apps.
Title: Re: My next app-o-rama...
Post by: chilzech on June 04, 2013, 05:04:08 PM
BA may be a good option for you. I don't think it should cause an AA. Just don't go crazy with the business apps.
Is 3 going crazy? Ink X2, United MPE Biz.
Also is 1 personal and 2 Biz, 2 pulls?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 05:06:15 PM
Is 3 going crazy? Ink X2, United MPE Biz.
Also is 1 personal and 2 Biz, 2 pulls?
If you have valid/good reasons for wanting three business cards go for it. You will get separate pulls for personal and business.
Title: Re: My next app-o-rama...
Post by: chilzech on June 04, 2013, 05:08:49 PM
If you have valid/good reasons for wanting three business cards go for it. You will get separate pulls for personal and business.
Any ideas for valid reasons??
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 04, 2013, 05:13:01 PM
Any ideas for valid reasons??
It is all YMMV and probably a lot of HUCA, but you can try using multiple businesses. I am sure there are more on DDF, try searching around for it.
Look in this (http://forums.dansdeals.com/index.php?topic=8398.msg514395;topicseen#msg514395) thread.
Title: Re: My next app-o-rama...
Post by: chilzech on June 04, 2013, 05:26:31 PM
It is all YMMV and probably a lot of HUCA, but you can try using multiple businesses. I am sure there are more on DDF, try searching around for it.
Look in this (http://forums.dansdeals.com/index.php?topic=8398.msg514395;topicseen#msg514395) thread.
Thanks!
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 04, 2013, 07:00:18 PM
You will get separate pulls for personal and business.
-.5
YMMV.
Title: Re: My next app-o-rama...
Post by: chilzech on June 05, 2013, 08:11:58 AM
-.5
YMMV.
What about for AMEX, 1biz+1personal?
Also I got offered 50k for plat biz pre-approved is that an automatic approval no pull?
Title: Re: My next app-o-rama...
Post by: PETERP on June 05, 2013, 08:27:08 AM
What about for AMEX, 1biz+1personal?
Also I got offered 50k for plat biz pre-approved is that an automatic approval no pull?

No automatic approval.
Title: Re: My next app-o-rama...
Post by: EMES on June 05, 2013, 08:28:31 AM
What about for AMEX, 1biz+1personal?
Also I got offered 50k for plat biz pre-approved is that an automatic approval no pull?
pre approved doesn't mean anything , although by applying with your pre approved offer number ... U may be getting a better sign up option then the regular offer to everyone else
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 05, 2013, 09:08:37 AM
What about for AMEX, 1biz+1personal?
1 pull.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 12:24:07 PM
Just applied for a few cards to keep me fresh.

Chase
SP Visa - Pending
UMP  - Pending

Citi
AA Platinum  - Called and approved

BofA
Hawaiian  - Called and approved
Title: Re: My next app-o-rama...
Post by: PETERP on June 05, 2013, 12:28:50 PM
What no Barclays :)
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 12:30:36 PM
What no Barclays :)
I did a 3BM a few weeks ago but was only able to get the Lufthansa card (new customer and they want to see how i utilize my card...). Maybe on my next go around i can get some Barclays.
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 05, 2013, 12:32:59 PM
What was your sign-up for the BoA Hawaiian?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 12:36:20 PM
What was your sign-up for the BoA Hawaiian?
35k after qualifying purchase. Going to transfer it into 75K HH to put towards my Bora Bora trip.

Title: Re: My next app-o-rama...
Post by: MEIR613 on June 05, 2013, 02:11:21 PM
35k after qualifying purchase. Going to transfer it into 75K HH to put towards my Bora Bora trip.
Why not get 2, if you're going for Hilton.

Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 02:12:07 PM
Why not get 2, if you're going for Hilton.
Will they approve me for two separate cards same day?
Title: Re: My next app-o-rama...
Post by: MEIR613 on June 05, 2013, 02:20:41 PM
Will they approve me for two separate the same card, same day?
Sure
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 02:39:06 PM
Sure
I have the pull anyways, will give it a shot.

Any good advice as why i want two of the same cards?
Title: Re: My next app-o-rama...
Post by: MEIR613 on June 05, 2013, 02:54:13 PM
I have the pull anyways, will give it a shot.

Any good advice as why i want two of the same cards?
You're taking a trip to Hawaii and you need to divide personal and business spending.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 03:16:35 PM
You're taking a trip to Hawaii and you need to divide personal and business spending.
Approved on second Hawaiian card :)  Thanks!
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 03:23:17 PM
Just applied for a few cards to keep me fresh.

Chase
SP Visa - Pending
UMP  - Pending

Citi
AA Platinum  - Called and approved

BofA
Hawaiian  - Called and approved
ETA: Hawaiian - Called and approved for a second card
Title: Re: My next app-o-rama...
Post by: Moshe123 on June 05, 2013, 03:44:19 PM


Try for a third...
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 05, 2013, 03:45:02 PM
Try for a third...
Do i have an even better excuse for why i want a third card?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 10:02:45 AM
Just applied for a few cards to keep me fresh.

Chase
SP Visa - Pending
UMP  - Pending

Citi
AA Platinum  - Called and approved
ETA: AA Gold - Called and approved!

BofA
Hawaiian  - Called and approved
Hawaiian - Called and approved for a second card
Title: Re: My next app-o-rama...
Post by: Barryg on June 06, 2013, 10:05:12 AM

Citi
AA Platinum  - Called and approved
ETA: AA Gold - Called and approved!
There have been rumors about citibank and 2/3bm's not working can you confirm or refute these rumors?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 10:14:42 AM
There have been rumors about citibank and 2/3bm's not working can you confirm or refute these rumors?
I saw all the rumors about the 2BM's not working. I found a different blogger which detailed how you can get 130K (as PETERP mentioned can be done) in a little over two months. The outline was to apply for the 50K AA Platinum on day 1 and then the AA gold on day 2 as they are not approving same card same day (YMMV). Citi also apparently only approves two cards within 60 days so you need to wait that out and then apply for the Citi AA Business for 50K.
I got day one and two done, gotta wait it out to try the AA business in two months. Will write back what happens then.
Title: Re: My next app-o-rama...
Post by: Barryg on June 06, 2013, 10:19:59 AM
According to the above method that the blogger is using, wouldn't it be two pulls (since apps are on two days)...
I think what you did sounds like a way better method, as long as it only was 1 pull.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 10:27:31 AM
According to the above method that the blogger is using, wouldn't it be two pulls (since apps are on two days)...
I think what you did sounds like a way better method, as long as it only was 1 pull.
I believe it will be two pulls. But like everyone is saying, the 2BM for Citi is all but done. This method is for racking up 130K of AA in two months.
Title: Re: My next app-o-rama...
Post by: kermit on June 06, 2013, 11:07:03 AM
Hi chevre - seeking advice on my first AOR.

I currently have

Chase Ink (under wife's legit biz, I am AU)
Chase SP MC (wife applied, I am AU - we changed to MC from Visa just this week.
HAS Visa since 2008 or so
Old BofA card that I never use but keep because its from 2000

Primary objective is to accumulate points to use for hotels on upcoming Israel trip, and secondary objective is to stock points for 6 flights to Israel next year or year after.

What are the oilam's thoughts on what to apply for:
I'm thinking:
Chase SP Visa in my name
Chase United in my name
Starwood in my name
Amex Biz Gold in wife's biz name

Any others at this time or is this good for now. Thanks!
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 11:09:58 AM
Hi chevre - seeking advice on my first AOR.

I currently have

Chase Ink (under wife's legit biz, I am AU)
Chase SP MC (wife applied, I am AU - we changed to MC from Visa just this week.
HAS Visa since 2008 or so
Old BofA card that I never use but keep because its from 2000

Primary objective is to accumulate points to use for hotels on upcoming Israel trip, and secondary objective is to stock points for 6 flights to Israel next year or year after.

What are the oilam's thoughts on what to apply for:
I'm thinking:
Chase SP Visa in my name
Chase United in my name
Starwood in my name
Amex Biz Gold in wife's biz name

Any others at this time or is this good for now. Thanks!
You can sign up for the Chase business card in your name as well. She can also sign up for whatever she currently doesn't have from Chase. Just remember that personal and business applications will most likely get you two pulls.
Title: Re: My next app-o-rama...
Post by: kermit on June 06, 2013, 11:17:23 AM
You can sign up for the Chase business card in your name as well. She can also sign up for whatever she currently doesn't have from Chase. Just remember that personal and business applications will most likely get you two pulls.

Thanks, Marco. What is the current thinking on how many AMEX apps to make at one time?
Title: Re: My next app-o-rama...
Post by: kivabb on June 06, 2013, 11:19:03 AM
Just applied for a few cards to keep me fresh.

Citi
AA Platinum  - Called and approved


How long since your last AA card?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 11:20:50 AM
How long since your last AA card?
First AA cards.
Title: Re: My next app-o-rama...
Post by: YaakovS on June 06, 2013, 12:35:14 PM


Which one is the AA gold? I recently got the amex and visa signature version, was planning on doing the citi one now as it's almost 3 months since my other 2... is the gold a different product?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 12:37:09 PM
Which one is the AA gold? I recently got the amex and visa signature version, was planning on doing the citi one now as it's almost 3 months since my other 2... is the gold a different product?
The AA gold is WMC. There are many links to the app if you Google it.
Title: Re: My next app-o-rama...
Post by: YaakovS on June 06, 2013, 12:42:01 PM
The AA gold is WMC. There are many links to the app if you Google it.

So if my math is correct, that allows for 180k AA... 50k for Visa, 50k for Amex, 50k for business and 30k for gold
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 06, 2013, 02:15:47 PM
So if my math is correct, that allows for 180k AA... 50k for Visa, 50k for Amex, 50k for business and 30k for gold
Yes. 130k AA from Citi and 50K AA from Amex.
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 06, 2013, 04:09:20 PM
Yes. 130k AA from Citi and 50K AA from Amex.
-1
You can't get the Visa and Amex plat anymore without the 18-month wait. It used to work until some months ago.
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 06, 2013, 04:10:30 PM
The AA gold is WMC. There are many links to the app if you Google it.
Not all MCs are Gold. Make sure it has Gold in its name (as opposed to platinum) if you wan't to get approved.
Title: My next app-o-rama...
Post by: itsyehuda on June 06, 2013, 05:48:11 PM
-1
You can't get the Visa and Amex plat anymore without the 18-month wait. It used to work until some months ago.

-1
I just got the platinum Visa and the Amex. From a 2BM. Took some HUCA though.
Title: Re: My next app-o-rama...
Post by: YaakovS on June 06, 2013, 06:40:40 PM
Yes. 130k AA from Citi and 50K AA from Amex.

Not sure if you're beig facetious, but the "Amex" I was referring to is issued by Citi as well...  So all 180k would be from Citi
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 06, 2013, 07:21:32 PM
-1
I just got the platinum Visa and the Amex. From a 2BM. Took some HUCA though.
That would be the exception, not the rule!
Better yet, the extreme exception!
Title: Re: My next app-o-rama...
Post by: itsyehuda on June 07, 2013, 12:10:43 AM
That would be the exception, not the rule!
Better yet, the extreme exception!

Could be because I was CitiGold...

They were telling me no, and then basically said "what the heck, you're a good customer".

I have been banking with them for over 10 years.

It does however illustrate that there is room for exceptions, and therefore HUCA can still work.
Title: Re: My next app-o-rama...
Post by: Shmulyg on June 07, 2013, 12:15:14 AM
Could be because I was CitiGold...

They were telling me no, and then basically said "what the heck, you're a good customer".

I have been banking with them for over 10 years.

It does however illustrate that there is room for exceptions, and therefore HUCA can still work.
In extreme cases, maybe so. But i think this is more false-hope than encouragement.
Title: Re: My next app-o-rama...
Post by: CountValentine on June 07, 2013, 01:20:48 AM
Approved on second Hawaiian card :)  Thanks!
Link please. The one I have is dead.
Title: Re: My next app-o-rama...
Post by: SPLP on June 07, 2013, 02:18:13 AM
So if my math is correct, that allows for 180k AA... 50k for Visa, 50k for Amex, 50k for business and 30k for gold

I thought citi AA 50K links were all dead and now only 40K

Title: Re: My next app-o-rama...
Post by: Shmulyg on June 07, 2013, 06:45:00 AM
I thought citi AA 50K links were all dead and now only 40K
That's from the smaller discrepancies of YaakovS's statement...
Title: Re: My next app-o-rama...
Post by: SPLP on June 07, 2013, 11:53:44 AM
I never looked at --who wrote it -when joined -nbr posts , good to look at to evaluate
Title: Re: My next app-o-rama...
Post by: MrsZev on June 07, 2013, 12:03:50 PM
My goals this round are hotel nights- I'm hoping to need 3 nights at the Aria in Vegas in October, and we'll be in Israel next Feb (2014), and I'd LOVE to stay at the Waldorf Astoria over Shabbat if possible!

FOCUS CARDS THIS ROUND:
Citi Hilton Reserve-
WHY? free nights incl. Waldorf Astoria in Jerusalem (Feb 2014)! Hilton Gold status (free b’fast)

Chase Hyatt Visa-
WHY? DevLearn Oct 2013 - use 2 free nights at Aria via MGM partnership w/ Hyatt; $50 statement credit after $1K min spend, 2 free nights, $75 annual fee (not waived)

Chase Priority Club Visa-
WHY? Free night after 1st anniversary (planning for future), 80K signup points should be enough for a free night this year. Free Priority Club Platinum elite status, 10% rebate on Priority Club award redemptions.

FILLER TO ROUND OUT AOR
Chase Sapphire -
WHY? 7% rebate, etc, UR, ‘good spending card’

Citi AA Mastercard-
WHY? Acquire AA pre-merger; Keep fresh on Citi

AmEx SPG Biz-
WHY? Best currency to Israel, I don't have it yet & feel like I should
Title: Re: My next app-o-rama...
Post by: SPLP on June 07, 2013, 12:20:24 PM
what cards and when did u get them in past ,  can not give intelligent input without knowing 
Title: Re: My next app-o-rama...
Post by: MrsZev on June 07, 2013, 01:16:04 PM
what cards and when did u get them in past ,  can not give intelligent input without knowing

I think you're asking what I currently have and when I got them in the past...

I don't have any of these, never had (i'm pretty new).

Current line-up:

Chase BIZ:
Ink Plus
SW Premiere

Chase Personal:
Freedom (Visa)
SW Premiere

Citi Personal
AAdvantage Visa (opened Fall 2012)
Aadvantage AmEx (opened Fall 2012)

AmEx
SPG Consumer (opened Fall 2012)
PRG - opened a long time ago
BRG (opened Spring 2012, just got annual fee & need to do something, still deciding what)
Title: Re: My next app-o-rama...
Post by: SPLP on June 07, 2013, 03:43:37 PM
My goals this round are hotel nights- I'm hoping to need 3 nights at the Aria in Vegas in October, and we'll be in Israel next Feb (2014), and I'd LOVE to stay at the Waldorf Astoria over Shabbat if possible!

FOCUS CARDS THIS ROUND:
Citi Hilton Reserve-
WHY? free nights incl. Waldorf Astoria in Jerusalem (Feb 2014)! Hilton Gold status (free b’fast)

Chase Hyatt Visa-
WHY? DevLearn Oct 2013 - use 2 free nights at Aria via MGM partnership w/ Hyatt; $50 statement credit after $1K min spend, 2 free nights, $75 annual fee (not waived)

Chase Priority Club Visa-
WHY? Free night after 1st anniversary (planning for future), 80K signup points should be enough for a free night this year. Free Priority Club Platinum elite status, 10% rebate on Priority Club award redemptions.

FILLER TO ROUND OUT AOR
Chase Sapphire -
WHY? 7% rebate, etc, UR, ‘good spending card’

Citi AA Mastercard-
WHY? Acquire AA pre-merger; Keep fresh on Citi

AmEx SPG Biz-
WHY? Best currency to Israel, I don't have it yet & feel like I should


i would do citi hilton first so u can match to  hyatt diamond -- next day do the citi master and starwood biz and the 3 chase cards u want
Title: Re: My next app-o-rama...
Post by: jj1000 on June 09, 2013, 11:55:15 AM
I currently have with Chase 3 SP's 1 MPE, 1 Hyatt, 1 Freedom, and 1 BA.

I haven't opened any cards in 6 months. Any suggestions for my next 3 BM? (BA just got the annual fee so I want to do an app now.)
Title: Re: My next app-o-rama...
Post by: MEIR613 on June 09, 2013, 12:12:22 PM
I currently have with Chase 3 SP's 1 MPE, 1 Hyatt, 1 Freedom, and 1 BA.

I haven't opened any cards in 6 months. Any suggestions for my next 3 BM? (BA just got the annual fee so I want to do an app now.)
You're not a biz guy?

Title: Re: My next app-o-rama...
Post by: jj1000 on June 09, 2013, 12:16:29 PM
You're not a biz guy?


Just asking about personal. I'll also be doing 3 biz, but that doesn't really have too many options...
Title: Re: My next app-o-rama...
Post by: MEIR613 on June 09, 2013, 12:20:14 PM
Just asking about personal. I'll also be doing 3 biz, but that doesn't really have too many options...
A 6bm??!!

I thought you might be related to Dan, but didn't know you were him;)

Title: Re: My next app-o-rama...
Post by: jj1000 on June 09, 2013, 12:24:52 PM
A 6bm??!!

I thought you might be related to Dan, but didn't know you were him;)


lol, Doesn't mean they will all be approved, but living in Ohio (http://forums.dansdeals.com/index.php?topic=6373.0) has some great benefits.
Title: Re: My next app-o-rama...
Post by: Yellow on June 09, 2013, 12:42:02 PM
I currently have with Chase 3 SP's 1 MPE, 1 Hyatt, 1 Freedom, and 1 BA.

I haven't opened any cards in 6 months. Any suggestions for my next 3 BM? (BA just got the annual fee so I want to do an app now.)

How about the southwest card?
And the fairmont?
Title: Re: My next app-o-rama...
Post by: Yellow on June 09, 2013, 12:45:28 PM
Let us know how you fare with your 6bm!
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on June 09, 2013, 06:01:35 PM
Hey everyone
I'm a big lurker, but not a big poster on here... (so please be kind! ;) )
I'm getting ready for my next AOR (didn't end up doing one for many months due to my hectic schedule/traveling)

How does this sound?
Barclays:
1) Lufthansa 50k (Is there a better/comparable card to this? I'd rather not pay $79)
2) USAir 30k (is there a better offer, or a better card?)
3) Any chance of getting approved for a 3rd card?

Citi:
Which two AA cards can I apply for at once?
Can a 3bm be done with two AA cards and the Hilton reserve?

Bank of America:
1) Hawaiian air
2) Virgin Atlantic
Will convert both these miles to Hilton and AFAIK these cards are churnable even with same FFN (had both of these before)

Chase:
1) Sapphire Visa (converted my last visa to a MC)
2) United
3) Ink Plus (yes, I know it will be two pulls but I don't care!)

Amex:
Had an F/R with them 9 months ago (which I passed! BH!) but I wanna tread lightly with them, and I have a Gold card currently and plat closed less than a year ago so I'm thinking of just getting one card, maybe Delta?

Thanks in advance everyone!
Have a great week
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 09, 2013, 06:59:21 PM
Hey everyone
I'm a big lurker, but not a big poster on here... (so please be kind! ;) )
I'm getting ready for my next AOR (didn't end up doing one for many months due to my hectic schedule/traveling)

How does this sound?
Barclays:
1) Lufthansa 50k (Is there a better/comparable card to this? I'd rather not pay $79)
2) USAir 30k (is there a better offer, or a better card?)
3) Any chance of getting approved for a 3rd card? Do you have any other cards with them? If not, it may be hard to get two cards, let alone three.

Citi:
Which two AA cards can I apply for at once? 2BM with Citi doesn't seem to work anymore. I had success opening the Platinum AA and then the Gold AA next day and had my pulls combined by Experian. Don't think they allow more then two cards in 60 days.
Can a 3bm be done with two AA cards and the Hilton reserve?

Bank of America:
1) Hawaiian air
2) Virgin Atlantic
Will convert both these miles to Hilton and AFAIK these cards are churnable even with same FFN (had both of these before)

Chase:
1) Sapphire Visa (converted my last visa to a MC)
2) United
3) Ink Plus (yes, I know it will be two pulls but I don't care!)

Amex:
Had an F/R with them 9 months ago (which I passed! BH!) but I wanna tread lightly with them, and I have a Gold card currently and plat closed less than a year ago so I'm thinking of just getting one card, maybe Delta?

Thanks in advance everyone!
Have a great week
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on June 09, 2013, 07:25:39 PM
Thanks @Marco Polo
I don't have any barclays cards...
So I guess i'll just apply for two and hope for the best... (I do have nice credit though!)

As far as a 2bm with citi, is there any other anecdotal evidence of other successful ways of pulling off a 2bm? It seems to me that you're two approvals/one credit pull was just a fluke...?
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on June 09, 2013, 07:59:09 PM
Also, any data points on opening citi AA business and personal cards?
Will that give me a better chance of successful 2bm?
Thanks
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 09, 2013, 08:07:52 PM
Thanks @Marco Polo
I don't have any barclays cards...
So I guess i'll just apply for two and hope for the best... (I do have nice credit though!) You can apply for three and hope...I have pretty good credit as well and was only able to get one card (was the first app i submitted on my attempted 3bm). They say they want to see how you use one card before the approve you for others.

As far as a 2bm with citi, is there any other anecdotal evidence of other successful ways of pulling off a 2bm? It seems to me that you're two approvals/one credit pull was just a fluke...? Not a fluke. The pulls were done very close together and was able to get it combined from Experian. It may take HUCA'ing, but it can work.
Title: Re: My next app-o-rama...
Post by: Walk On the Ocean on June 09, 2013, 08:11:47 PM
Thanks, but if they don't allow more than one app in 60 days, why does it make a diff if you apply at the same time of the next day?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 09, 2013, 08:18:52 PM
Thanks, but if they don't allow more than one app in 60 days, why does it make a diff if you apply at the same time of the next day?
Don't believe they approve more than two in sixty days.
Title: Need ideas My next app-o-rama...
Post by: AWAYD on June 10, 2013, 07:24:59 PM
Hello dear DDF'ers,

Need an idea on what should I do next.

Current line up is limited to Chase and Amex only

Amex - Gold + Gold Open, Delta and BlueCash preferred - roughly opened Feb 2013 + Delta (Dec 2012)
Chase - Freedom (apr 12) , Southwest (dec 12), United & Hyatt& Sapphire (apr 13)

As far as I understand - I can't really do anything with Chase just yet, and on Amex side-- only Starwood seems plausible... but not to do at least 2bm seems to be a waste. Should I close out Gold + BlueCash and even maybe Delta?

If other issuers -- what would be good- maybe Barclays and /or Citi?

Greatly appreciated.  You can also PM with your proposal
Title: Re: My next app-o-rama...
Post by: Yellow on June 10, 2013, 08:24:37 PM
Hello dear DDF'ers,

Need an idea on what should I do next.

Current line up is limited to Chase and Amex only

Amex - Gold + Gold Open, Delta and BlueCash preferred - roughly opened Feb 2013 + Delta (Dec 2012)
Chase - Freedom (apr 12) , Southwest (dec 12), United & Hyatt& Sapphire (apr 13)

As far as I understand - I can't really do anything with Chase just yet, and on Amex side-- only Starwood seems plausible... but not to do at least 2bm seems to be a waste. Should I close out Gold + BlueCash and even maybe Delta?

If other issuers -- what would be good- maybe Barclays and /or Citi?

Greatly appreciated.  You can also PM with your proposal
Yes Barclays, Citi and BofA are all good altertanives to chase/amex
I think in July you should be able to do some more chase apps (I would wait 3 months)
Title: Re: My next app-o-rama...
Post by: PBaruch on June 12, 2013, 04:40:55 PM
Just finished my App-O-Rama today with great results!

Bank of America: Hawaiian Airlines (15K CL)
Bank of Hawaii: Hawaiian Airlines (15K CL)
Barclays: US Airways (5K CL)
Citi: HHonors Regular (?? CL)
AMEX: HHonors Regular (?? CL), HHonors Surpass (Pending Approval)
Chase: Ink Bold (15K CL), Freedom Visa (7K CL), Priority Club (3K CL)

All were approved except for the AMEX Surpass which is pending for now.  I called Recon but they said call back in 3 days.

I only did 1 Citi because of all the 2 BM Failures I've been reading about.

Any last minute suggestions for other cards to get in today so it's only 1 Credit pull per company?

Hawaiian Airlines CC has been discontinued by BOFA.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 12, 2013, 04:46:27 PM
Hawaiian Airlines CC has been discontinued by BOFA.
As of when?

I got two cards last week.
Title: Re: My next app-o-rama...
Post by: Yellow on June 12, 2013, 05:28:56 PM
Hawaiian Airlines CC has been discontinued by BOFA.
Yep I have been searching for the link
There is a business Hawaiian card from BofA but do you think it will be two pulls if combined with the virgin atlantic card?
Title: Re: My next app-o-rama...
Post by: AWAYD on June 13, 2013, 06:22:07 PM
Did 2 applications with Barclays (with somewhat expected result -- only 1 approved), so at this point-- should I apply for anything else (Citi AA?)  or just call it a day...
Title: Re: My next app-o-rama...
Post by: ben2012 on June 13, 2013, 08:50:13 PM
35k after qualifying purchase. Going to transfer it into 75K HH to put towards my Bora Bora trip.
Where did you get the link from?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 13, 2013, 10:44:44 PM
Where did you get the link from?
Apparently i was one of the last to get in on the offer, not around anymore.
Title: Re: My next app-o-rama...
Post by: jj1000 on June 17, 2013, 03:07:08 PM
Am I crazy to convert my 3 current SP's to freedom cards in order to try and churn it in my next app-o-rama?

Title: Re: My next app-o-rama...
Post by: Marco Polo on June 17, 2013, 03:12:31 PM
Am I crazy to convert my 3 current SP's to freedom cards in order to try and churn it in my next app-o-rama?
Why don't you consolidate all the credit onto one Freedon card?
Title: Re: My next app-o-rama...
Post by: jj1000 on June 17, 2013, 03:13:34 PM
Why don't you consolidate all the credit onto one Freedon card?
more freedom cards more quarterly spending opportunities.
Title: Re: My next app-o-rama...
Post by: CountValentine on June 17, 2013, 03:14:39 PM
more freedom cards more quarterly spending opportunities.
That's the problem with these cards that have caps.  >:(
Title: Re: My next app-o-rama...
Post by: jj1000 on June 17, 2013, 03:15:30 PM
That's the problem with these cards that have caps.  >:(
lol, well I'm about to have 4 of them :P
Title: Re: My next app-o-rama...
Post by: CountValentine on June 17, 2013, 03:16:58 PM
lol, well I'm about to have 4 of them :P
So it will take your four days instead on one to hit the cap?
Title: Re: My next app-o-rama...
Post by: jj1000 on June 17, 2013, 03:22:22 PM
So it will take your four days instead on one to hit the cap?
Don't worry at this rate by the time I'm your age I will have one card for each day of the quarter :))
Title: Re: My next app-o-rama...
Post by: CountValentine on June 17, 2013, 03:33:21 PM
Less is more.  ;)
Title: Re: My next app-o-rama...
Post by: IsraelGuy on June 18, 2013, 02:00:06 PM
Hi All,
This is my first AOR so I'm not sure if I have all the information correct, but does this look good?

Current Lineup:
Chase: Slate (was one of my first), Freedom, United MileagePlus Club (need to close by next week before AF)
Amex: JetBlue


AOR objectives:
Miles for
- Flights between Israel and the US (Mid-west / west coast), domestic flights in the US, and I want to fly with my wife possibly over winter break to somewhere in Europe from Israel in late December
Hotels:
-Would love a few free nights for the above mentioned trip


Proposed AOR:
Chase:
United Explorer - 55k United miles, free bag on flights
Ink Bold - 60000 UR
Ink Plus - 60000 UR

Amex:
SPG personal - 25k Starwood points
Premier Rewards Gold Charge Card - 25000 MR
Business Rewards from Amex OPEN - 50000 MR

Citi:
AA Advantage - 40000 American miles
or
Hilton HHonros Signature - 40000 Hilton HHonors (thought about the reserve for the free nights, but figured the $95 annual fee wasn't worth it?)

Barclays
Lufthansa - 50000 miles


From what I understand this will be at least 4 credit pulls right? Is there a problem with that, if I haven't applied for any cards in over a year,have very good credit, and I'm not applying for a loan anytime soon...
Should I be merging the Club card instead of canceling it? I'd like to have it working for when I fly this coming Monday.

Any advice is very much appreciated!  ;D
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 02:10:25 PM
Hi All,
This is my first AOR so I'm not sure if I have all the information correct, but does this look good?

Proposed AOR:
Chase:
United Explorer - 55k United miles, free bag on flights
Ink Bold - 60000 UR
Ink Plus - 60000 UR
This will be 2 pulls. Either go all business or all personal. Unless you go all out on both... For personal, you should get the Sapphire Preferred and BA card.


From what I understand this will be at least 4 credit pulls 5 (unless you do only Chase personal or business) right? Is there a problem with that, if I haven't applied for any cards in over a year,have very good credit, and I'm not applying for a loan anytime soon...
Should I be merging the Club card instead of canceling it? I'd like to have it working for when I fly this coming Monday.

Any advice is very much appreciated!  ;D
Title: Re: My next app-o-rama...
Post by: IsraelGuy on June 18, 2013, 02:22:36 PM
This will be 2 pulls. Either go all business or all personal. Unless you go all out on both... For personal, you should get the Sapphire Preferred and BA card.

Good point Marco, I wasn't aware of that! Is it possible to go all out for both, meaning...a 6bm....is that crazy talk or did I misunderstand :o ?

So would it make sense to do
All business: Ink Bold, Ink Plus, and United Explorer - 120k UR, 55k United, plus $50 statement credit
or
All Personal: SP, BA, and United Explorer - 40k UR, 50k Avios, 55k United, plus $50 statement credit

Is there any reason I wouldn't want to do all business. I have a business checking account with chase, but I don't know if they're less likely to approve me for the business cards.
Title: Re: My next app-o-rama...
Post by: Redbull3 on June 18, 2013, 02:26:56 PM
Citi:
AA Advantage - 40000 American miles
or
Hilton HHonros Signature - 40000 Hilton HHonors (thought about the reserve for the free nights, but figured the $95 annual fee wasn't worth it?)

I think the fee is worth the reserve - 40k HH won't get you much on its own. Also you can't get 2 Citi cards on the same day anymore.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 02:33:13 PM
Good point Marco, I wasn't aware of that! Is it possible to go all out for both, meaning...a 6bm....is that crazy talk or did I misunderstand :o ?

So would it make sense to do
All business: Ink Bold, Ink Plus, and United Explorer - 120k UR, 55k United, plus $50 statement credit
or
All Personal: SP, BA, and United Explorer - 40k UR, 50k Avios, 55k United, plus $50 statement credit

Is there any reason I wouldn't want to do all business. I have a business checking account with chase, but I don't know if they're less likely to approve me for the business cards.
IMO, If you have legitimate business it will be easier to get done. You can always do one now and the other in a couple weeks.
Title: Re: My next app-o-rama...
Post by: IsraelGuy on June 18, 2013, 03:50:47 PM
IMO, If you have legitimate business it will be easier to get done. You can always do one now and the other in a couple weeks.

Hmmm. Its a legitimate business but I haven't done anything with it in about 18 months. Decisions decisions....

I think the fee is worth the reserve - 40k HH won't get you much on its own. Also you can't get 2 Citi cards on the same day anymore.
Thanks Redbull - I'll look into that a little more
Title: Re: My next app-o-rama...
Post by: ye on June 18, 2013, 03:52:35 PM
Current plan for AOR:

Chase
IB, United biz, SW biz

Barclay
Arrival, Lufthansa

BOA
Virgin, what else?

Citi
Anything worthwhile other than AA?

Thanks!!!
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 03:55:06 PM
Current plan for AOR:

Chase
IB, United biz, SW biz

Barclay
Arrival, Lufthansa

BOA
Virgin, what else?

Citi
Anything worthwhile other than AA?

Thanks!!!
Have you had any Barclay cards before this app?
Title: Re: My next app-o-rama...
Post by: ahecht37 on June 18, 2013, 04:42:37 PM
if I have a united mpe and I want a new one, should I be closing the old one before I apply or afterwards, to merge them? also what do I say if they ask why I closed one and why now im opening a new one
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 04:50:41 PM
if I have a united mpe and I want a new one, should I be closing the old one before I apply or afterwards, to merge them? also what do I say if they ask why I closed one and why now im opening a new one
Don't close it before.

If you have a different chase card, transfer the CL into that. You can then take that same CL to approve your new card.
Title: Re: My next app-o-rama...
Post by: Redbull3 on June 18, 2013, 05:25:39 PM
Don't close it before.

If you have a different chase card, transfer the CL into that. You can then take that same CL to approve your new card.

I don't follow. Transfer the CL out but don't close? What's the point of that? Also - are you saying the end goal is to have 2 UMPE cards?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 05:28:45 PM
I don't follow. Transfer the CL out but don't close? What's the point of that? Also - are you saying the end goal is to have 2 UMPE cards?
you don't want to just close a card and lose that CL. Since it will make it harder to get another UMPE card, i am suggesting moving the CL from your current card to a different Chase card you may have. This will effectively "cancel" your UMPE card and will give you an easier time getting a new UMPE approved. If they don't approve you for the card, you can offer to move credit from a different card (the one you dumped your previous UMPE CL into)...
Title: Re: My next app-o-rama...
Post by: Redbull3 on June 18, 2013, 05:45:46 PM
you don't want to just close a card and lose that CL. Since it will make it harder to get another UMPE card, i am suggesting moving the CL from your current card to a different Chase card you may have. This will effectively "cancel" your UMPE card and will give you an easier time getting a new UMPE approved. If they don't approve you for the card, you can offer to move credit from a different card (the one you dumped your previous UMPE CL into)...

Right, totally agreed, I just misunderstood. So you are suggesting he SHOULD close, just not waste the CL in the process.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 05:48:22 PM
Right, totally agreed, I just misunderstood. So you are suggesting he SHOULD close, just not waste the CL in the process.
Yes, It is essentially closing the card by transferring out the CL, but you don't negatively affect your credit score.
Title: Re: My next app-o-rama...
Post by: cozmohoot on June 18, 2013, 06:59:44 PM
Shouldn't he also be making a new ff account since he doesn't want ua to mege accounts?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 07:01:39 PM
Shouldn't he also be making a new ff account since he doesn't want ua to mege accounts?
IIRRC, as long as you don't enter in that information when filling out the app, you should be fine.
Title: Re: My next app-o-rama...
Post by: ye on June 18, 2013, 07:09:25 PM
Have you had any Barclay cards before this app?
US Air. Still open.
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 07:13:23 PM
US Air. Still open.
That should help with a 2BM. Personally, i did not have any other cards and could not get multiple cards. If you have decent purchase history on your US card, you should be able to have a successful 2BM with Barclay.
Title: Re: My next app-o-rama...
Post by: ye on June 18, 2013, 07:14:49 PM
That should help with a 2BM. Personally, i did not have any other cards and could not get multiple cards. If you have decent purchase history on your US card, you should be able to have a successful 2BM with Barclay.
Thanks. Any suggestion for Citi and another BOA or 2?
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 07:17:30 PM
Thanks. Any suggestion for Citi and another BOA or 2?
You can try and double up on the Virgin card. I personally got two Hawaiian with a 2BM.
I don't think Citi approves more than one a day and two a month. I had success with apps on back-to-back days and then getting pulls merged (it is YMMV though with the merging). Maybe try Hilton card.
Title: Re: My next app-o-rama...
Post by: cozmohoot on June 18, 2013, 07:18:55 PM
IIRRC, as long as you don't enter in that information when filling out the app, you should be fine.
many in this thread say to have new ff. http://forums.dansdeals.com/index.php?topic=14560.msg525889.msg#525889
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 18, 2013, 07:24:57 PM
many in this thread say to have new ff. http://forums.dansdeals.com/index.php?topic=14560.msg525889.msg#525889
I stand corrected then. Go with the words of many.
Title: Re: My next app-o-rama...
Post by: m65 on June 18, 2013, 11:18:17 PM
just finished a pretty successful app o rama:
amex- bgr, starwoods biz, both approved
chase- IP, united biz, both approved
citi- gold(25k) approved, mcw biz declined because I had the card in the past 18 months
Barclays- usair approved
6 out of 7
im gonna try writing to mr. ken stork to get 7/7
Title: Re: My next app-o-rama...
Post by: IsraelGuy on June 19, 2013, 02:39:07 AM
IMO, If you have legitimate business it will be easier to get done. You can always do one now and the other in a couple weeks.

So are you suggesting for chase I could do a 3BM for business cards now, then a 3BM for personal cards in a month, or will they also maybe see my AOR 5 pulls in 30 days and say forget it.....
Title: Re: My next app-o-rama...
Post by: sruly101 on June 19, 2013, 07:46:27 AM
just finished a pretty successful app o rama:
amex- bgr, starwoods biz, both approved
chase- IP, united biz, both approved
citi- gold(25k) approved, mcw biz declined because I had the card in the past 18 months
Barclays- usair approved
6 out of 7
im gonna try writing to mr. ken stork to get 7/7
NIce
Title: Re: My next app-o-rama...
Post by: Marco Polo on June 19, 2013, 08:41:44 AM
So are you suggesting for chase I could do a 3BM for business cards now, then a 3BM for personal cards in a month, or will they also maybe see my AOR 5 pulls in 30 days and say forget it.....
Business is different than personal. Just because you had done personal or business a month earlier shouldn't mean anything.
Title: Re: My next app-o-rama...
Post by: Barryg on June 19, 2013, 09:26:35 AM