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Reading alot of the app-o-rama proposals can be really challenging. This seems to be a good concise method. Just copy and paste:


Chase:
Bold: Approved
SP Visa: Pending
UA Personal: Approved

Amex:
Platinum Card (Mercedes): Approved
Business Gold: Approved

Citi:
CitiBusiness AAdvantage: Approved

Barclay:
Lufthansa: Pending
« Last edited by ayman on November 27, 2013, 01:07:44 AM »

Author Topic: My next app-o-rama...  (Read 822873 times)

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6360 on: April 11, 2018, 11:19:43 PM »
Thank you, that was super helpful!
Some questions- How can I easily clarify which products are grouped as a family and preclude my getting a bonus for each, and which ones won't allow me to get a bonus while I have another open?
For example- Can I get the bonus for both Ink Preferred and Ink Cash? And can I get either bonus while I have an Ink Plus open? Can I get a bonus for a Freedom if I have a FU open?
Yes to all of your questions.
The only products that are one product are the sapphires and now the 2 southwest personal cards.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline Abey

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Re: My next app-o-rama...
« Reply #6361 on: April 12, 2018, 10:45:57 AM »
Yes on the freedoms & inks. Not on the sapphires
2 Bm on sapphires ?

Offline leaf

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Re: My next app-o-rama...
« Reply #6362 on: April 12, 2018, 07:57:21 PM »
Yes on the freedoms & inks. Not on the sapphires
So if someone has a Sapphire Preferred they cannot get the signup bonus for Reserve? Will closing the SP allow the bonus, or is it subject to waiting from last bonus?

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6363 on: April 12, 2018, 07:58:47 PM »
So if someone has a Sapphire Preferred they cannot get the signup bonus for Reserve? Will closing the SP allow the bonus, or is it subject to waiting from last bonus?
You wouldn't even get approved.
To be able to get it you need 2 things
A: no sapphire open
B: you didn't get the bonus within 24 months
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline leaf

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Re: My next app-o-rama...
« Reply #6364 on: April 12, 2018, 08:14:22 PM »
You wouldn't even get approved.
To be able to get it you need 2 things
A: no sapphire open
B: you didn't get the bonus within 24 months
So as long as no bonus in last 24 months (and no 5/24 disqualification), all one needs to do is close CSP and then can apply immediately afterwards for CSR and get bonus?

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6365 on: April 12, 2018, 08:15:16 PM »
So as long as no bonus in last 24 months (and no 5/24 disqualification), all one needs to do is close CSP and then can apply immediately afterwards for CSR and get bonus?
Yes. Better PC to a Freedom, either regular or Freedom Unlimited.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline leaf

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Re: My next app-o-rama...
« Reply #6366 on: April 12, 2018, 08:20:31 PM »
Yes. Better PC to a Freedom, either regular or Freedom Unlimited.
If already have Freedom, will they let downgrade from CSP to Freedom?

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6367 on: April 12, 2018, 08:21:21 PM »
If already have Freedom, will they let downgrade from CSP to Freedom?
Yes. But maybe consider a CFU
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline leaf

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Re: My next app-o-rama...
« Reply #6368 on: April 12, 2018, 08:37:10 PM »
Yes. But maybe consider a CFU
Would rather wait for that to get bonus; bonuses only given on new apps not downgrades.

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6369 on: April 12, 2018, 08:39:47 PM »
Would rather wait for that to get bonus; bonuses only given on new apps not downgrades.
2 Freedoms may be better for you, but if not get the CFU then when you want to get the SUB PC the card to a Freedom.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline leaf

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Re: My next app-o-rama...
« Reply #6370 on: April 12, 2018, 08:44:42 PM »
2 Freedoms may be better for you, but if not get the CFU then when you want to get the SUB PC the card to a Freedom.
SUB?

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6371 on: April 12, 2018, 08:45:19 PM »
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline leaf

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Re: My next app-o-rama...
« Reply #6372 on: April 13, 2018, 02:11:13 PM »
1. Chase Business cards that fall under 5/24 but won't bring you over. (ie. INK Preferred, Ink Cash, United Business MPE/MPC, SW Business)
2. Chase Personal Cards that fall under 5/24 and will lead you over. (ie. Sapphire Reserve/Preferred, United MPE/MPC, SW Plus/Premier [premium?], Marriott Rewards).

(is more simple, is just IMHO)

3. Once over 5/24 I'd wait some time to hit non-5/24 Chase Cards if you just hit 5/24 cards hard. So rather go for other banks with not such simple restrictions (Ie Barclay, Citi(, BoA?).
4. Then it's a marathon with the rest if the small lenders and Amex, while throwing in some Chase non-5/24 cards moderately.

I'd love to hear opinions of this general plan

Why not throw in non-Chase Biz cards (Citi, Amex etc) in step 1? They won't count toward 5/24 and will be easier to get approved early on in the process.

Offline davidrotts63

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Re: My next app-o-rama...
« Reply #6373 on: April 13, 2018, 02:13:30 PM »
Why not throw in non-Chase Biz cards (Citi, Amex etc) in step 1? They won't count toward 5/24 and will be easier to get approved early on in the process.
Good call.
But to an extent, because too many can throw off the more inquiry sensitive banks.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline wonderlust

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Re: My next app-o-rama...
« Reply #6374 on: April 17, 2018, 01:08:01 AM »
Hi think about getting back into the game after an extended break, few questions:
1- how long after a balance is paid off does it reflect on my credit report/increase scores? Immediately or after next billing cycle?
2- is it possible to get 2 Buisness sw cards and welcome bonuses if I apply under 2 different business names?
3- I currently have multiple Ink cash cards under a few different businesses am I better off applying for new cards under the sams busineesss since they are established Or will they give me hard time why need ore cards for same Buisness?
4- in the past (over 3 yrs ago) I have gotten all the platnuim/gold amex Buisness cards- any way I can   Still get a new bonus?

Thanks !