Feb 22, 2014, 12:13 pm
Last edit by: MDtR-Chicago
This thread is an archive of messages from threads started in 2014 requesting advice on proposed credit card App-o-Rama (AOR) or "churns". These threads are seldom revived after the Original Poster reports results, but they generate a large number of false positives when using Search this Forum to locate discussions of specific cards.
The 2013 archive is here:
2013 App-O-Rama (AOR) and Churn Advice Archive
The 2013 archive is here:
2013 App-O-Rama (AOR) and Churn Advice Archive
2014 App-O-Rama (AOR) and Churn Advice Archive
Jan 9, 2014, 10:42 pm
#152
Join Date: Feb 2011
Posts: 751
Thought i read in CC thread of them occasionally even delaying the hard pull until the next day after application.
Jan 9, 2014, 11:55 pm
#154
Join Date: Mar 2011
Location: FL
Programs: AAdvantage Elite Plat, HH Gold, SPG Gold, Hertz Gold, BA
Posts: 498
2013 App-O-Rama (AOR) and Churn Advice Archive
When I upgraded to Plat with 25k bonus no pulls. But for SPG yes. Granted that one is not a true true Amex prod, I guess...
Jan 10, 2014, 1:36 am
#155
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
Jan 10, 2014, 5:42 am
#156
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
It is a soft pull if the application is declined.
If you are approved, it is a hard pull.
It is well-documented on the Fico boards. You must be a primary card member. If you recon, it will most likely be a hard pull however.
If you are approved, it is a hard pull.
It is well-documented on the Fico boards. You must be a primary card member. If you recon, it will most likely be a hard pull however.
Last edited by healthnut; Jan 10, 2014 at 5:48 am
Jan 10, 2014, 5:57 am
#157
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
AMEX denial? I've been trying for one of those for a year now with no luck. 
The one time I applied for personal and business cards on the same day the second application was kicked out by their system as a duplicate even though they were personal and business, No hard pull was done for that card until I called in and they were able to pull it up after a couple days, put it back into the system and approve it.
The one time I applied for personal and business cards on the same day the second application was kicked out by their system as a duplicate even though they were personal and business, No hard pull was done for that card until I called in and they were able to pull it up after a couple days, put it back into the system and approve it.
Jan 10, 2014, 1:06 pm
#159
Join Date: Apr 2007
Posts: 1,857
Barclays US Air MC - 35k - instantly approved
Chase Hyatt Visa Signature - 2 free nights - instantly approved
Chase Ink Bold - 50k - approved after quick call to recon (1st ever business card)
Citi AAdvantage Business MC - 50k - pending proof of business
Anybody have a suggestion for providing proof of business? I see some people have provided utility bills for that purpose. The only problem is, this was actually in my wife's name ( (Sole Proprietor, SSN), and all our bills are in my name. Any other ideas? Or should I just switch a bill into her name, and send it to them the next time we get one? We've got 30 days to provide the proof (can be extended to 60, if necessary).
Jan 10, 2014, 5:26 pm
#160
Join Date: Apr 2012
Location: Uranus
Posts: 333
Early 2014 AOR now complete!
50k Alaska Air
50k capital one venture
50k SW biz Plus
50k SW Personal premiere
50k Hilton Amex (sort of a waste I know)
70k Marriott
FIA Amex (only one that is pending recon)
Gonna be tough to take it easy for a few months lol
50k Alaska Air
50k capital one venture
50k SW biz Plus
50k SW Personal premiere
50k Hilton Amex (sort of a waste I know)
70k Marriott
FIA Amex (only one that is pending recon)
Gonna be tough to take it easy for a few months lol
Jan 10, 2014, 6:12 pm
#161
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
. That and they really don't like app-o-Ramas.
Last edited by mnscout; Jan 10, 2014 at 6:35 pm
Jan 10, 2014, 10:27 pm
#162
Join Date: Feb 2003
Location: Brooklyn, NY
Programs: UA Miles+, AAdvantage, Skymiles
Posts: 217
Not entirely correct. For example, the Ink card bonuses you can get several times with different businesses. Chase also has different flavors of the same card (southwest premier vs. plus card) and if the program changes often that will trigger the card being considered a new product (a la avios). Chase also occasionally changes aspects of the product (adds chip/signature, changes from mastercard to visa etc) which also lead them to consider it a new product.
Jan 11, 2014, 11:13 am
#163
Join Date: Nov 2010
Programs: IHG Platinum
Posts: 1,066
Need advice
I would like to get a free return flight from CGK-USA on any airline. Which credit cards should I consider for my next AOR?
I'm considering the Chase Ink Plus and Chase UA Mileageplus explorer card. Any better ideas?
My last AOR was in early Nov 2013 (3/4). When is the best time to do my next AOR?
My collection:
Discover It x 2
Chase Hyatt, Ink Bold
Capital One Quicksilver
Citi Forward, Preferred
Barclaycard Arrivial MC
Had in the past: CSP, Citi Premier
I'm considering the Chase Ink Plus and Chase UA Mileageplus explorer card. Any better ideas?
My last AOR was in early Nov 2013 (3/4). When is the best time to do my next AOR?
My collection:
Discover It x 2
Chase Hyatt, Ink Bold
Capital One Quicksilver
Citi Forward, Preferred
Barclaycard Arrivial MC
Had in the past: CSP, Citi Premier
Jan 11, 2014, 9:37 pm
#164
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
I don't think we can tell you what to do, but there are other airlines to use other then *A... Go look at Citi AA cards..
Jan 12, 2014, 6:28 am
#165
Join Date: Sep 2011
Programs: United Plat, SPG Plat, Marriott Plat, Hyatt Diamond, National Exec Elite
Posts: 108
If I want to app-o-rama ever 3 months, is it too much to order 4+ cards? In Sept 2013, I did 4 on the same day. Today I have short listed 5, but I can do 4 if people think 5 would be little too much. I plan to do the same 3-4 months from now. Please advice.