Last edit by: muji
The Master List of credit card offers can be found on this thread: http://www.flyertalk.com/forum/credi...scription.html
A list of Flyertalk members who would appreciate "paying it forward" by using their referral links can be found here: Individual discussions of bank policies, credit cards, and pros/cons of the various programs can be found in this forum:
__________________________________________________ ____________________________________
2014 posts can be found here: http://www.flyertalk.com/forum/credi...e-archive.html
A list of Flyertalk members who would appreciate "paying it forward" by using their referral links can be found here: Individual discussions of bank policies, credit cards, and pros/cons of the various programs can be found in this forum:
Credit, Debit and Prepaid Card Forum
Discussions on redeeming miles and points can be found in the Airline and Hotel forums. __________________________________________________ ____________________________________
2014 posts can be found here: http://www.flyertalk.com/forum/credi...e-archive.html
2015 and forward App-O-Rama (AOR) and Churn Advice Archive
#16
Original Poster
Join Date: Apr 2012
Location: Michigan
Programs: Hyatt Globalist
Posts: 503
I'm looking to do an AOR on Monday for the first time in almost a year (decided to calm down a bit and let everything settle). No real specific goals, except the WN CP.
Here are my choices, let me know if I've missed anything obvious. I intentionally left off the Barclays US Airways MC - I'd love to get it, but I want the CP more, and both Chase and Barclays pull TU in MI, so I don't want to risk 3 straight TU inquiries to start off (assuming Chase doesn't combine into a single pull). Plus, I have over 700k AA miles, so it's not the biggest loss, especially with the $89 AF.
My most recent scores are 772 for TU and 758 for Exp (AMEX, Citi, and BoA pull Exp in MI). TIA!
(1) Southwest Personal - 50k
(2) Southwest Business - 50k
(3) American Express Business Gold - 75k
(4) Citi Executive - 50k
(5) BoA Alaska - 25k + $100
Here are my choices, let me know if I've missed anything obvious. I intentionally left off the Barclays US Airways MC - I'd love to get it, but I want the CP more, and both Chase and Barclays pull TU in MI, so I don't want to risk 3 straight TU inquiries to start off (assuming Chase doesn't combine into a single pull). Plus, I have over 700k AA miles, so it's not the biggest loss, especially with the $89 AF.
My most recent scores are 772 for TU and 758 for Exp (AMEX, Citi, and BoA pull Exp in MI). TIA!
(1) Southwest Personal - 50k
(2) Southwest Business - 50k
(3) American Express Business Gold - 75k
(4) Citi Executive - 50k
(5) BoA Alaska - 25k + $100
#17
Join Date: Oct 2010
Posts: 99
Just completed a miniAOR this weekend with results (in order of application):
1) Amex Gold 50k points personal -- approved
2) Chase SWA plus personal -- approved (last swa plus 2 years ago, last premier 1 year ago).
3) US Air Barclays card 50k points $89 AF not waived - Pended initially - called recon approved $10k loc
In retrospect, I should have applied for US air Barclays first as they always have required me to call in. Chase was the most generous at 25k loc. Never had amex gold but have other amex cards so we'll see if I actually get the bonus. DW only applied for amex gold, though I may get her to apply for us air barclays as well since there is no spend. With the loss of amazon payments it has gotten difficult to rack up huge spending requirements in 90 days as we don't really spend that much.
I would have liked to apply for the citi AA card, esp with the upcoming aa-us ff merger coming later this year. If anyone has a relatively easy way to meet the spend without jumping a lot of hoops I am all ears.
CK score before and after (tu/equifax both were oddly the same): 826--> 824. So I lost two points this round of apps. Barclays went TU, chase EQ. Amex I imagine went EXP but I don't have sesame to check.
1) Amex Gold 50k points personal -- approved
2) Chase SWA plus personal -- approved (last swa plus 2 years ago, last premier 1 year ago).
3) US Air Barclays card 50k points $89 AF not waived - Pended initially - called recon approved $10k loc
In retrospect, I should have applied for US air Barclays first as they always have required me to call in. Chase was the most generous at 25k loc. Never had amex gold but have other amex cards so we'll see if I actually get the bonus. DW only applied for amex gold, though I may get her to apply for us air barclays as well since there is no spend. With the loss of amazon payments it has gotten difficult to rack up huge spending requirements in 90 days as we don't really spend that much.
I would have liked to apply for the citi AA card, esp with the upcoming aa-us ff merger coming later this year. If anyone has a relatively easy way to meet the spend without jumping a lot of hoops I am all ears.
CK score before and after (tu/equifax both were oddly the same): 826--> 824. So I lost two points this round of apps. Barclays went TU, chase EQ. Amex I imagine went EXP but I don't have sesame to check.
#18
Original Poster
Join Date: Apr 2012
Location: Michigan
Programs: Hyatt Globalist
Posts: 503
- 104k WN + CP
- 55k AA
- 26k AS
- 50k US
- $24 (Credits/Cashback - Fees)
Last edited by dajoip; Jan 27, 2015 at 12:09 pm
#19
Join Date: Apr 2014
Location: ORD
Programs: AAdvantage, UA, Avios
Posts: 637
May be outdated advice but Maldives are only a few hours away and you can use a Hyatt card to score $1500/night rooms for free.
#20
Join Date: Dec 2013
Posts: 15
I'm going to apply for an auto loan this week with a CU (not from car dealership) and was wondering if I should do a mini AOR the same day as well after the loan is approved.
I did an AOR back on 9/17/14 and go the following cards:
Chase Ink Bold 16k
Chase Sapphire - charge card
Citi AA - 10.5k
Amex Plat - charge card
BoA Alaska Air - 15k
Barclay Arrival - 10k
Club Carlson - don't remember the limit (10k ish I think)
Sony Card - 7.5k
Current CC:
Disc IT, Amex Simply Cash, Amex BCP, US Bank Cash+, BoA Better Cash Rewards, Citi MC Dividend World, Citi Forward (grandfathered), Chase Freedom
Any recommendation on what other cards I should apply or any of the current ones that need closing first?
Any hotel points would be great for Hawaii or NZ trip
FICO is 779
I did an AOR back on 9/17/14 and go the following cards:
Chase Ink Bold 16k
Chase Sapphire - charge card
Citi AA - 10.5k
Amex Plat - charge card
BoA Alaska Air - 15k
Barclay Arrival - 10k
Club Carlson - don't remember the limit (10k ish I think)
Sony Card - 7.5k
Current CC:
Disc IT, Amex Simply Cash, Amex BCP, US Bank Cash+, BoA Better Cash Rewards, Citi MC Dividend World, Citi Forward (grandfathered), Chase Freedom
Any recommendation on what other cards I should apply or any of the current ones that need closing first?
Any hotel points would be great for Hawaii or NZ trip
FICO is 779
Last edited by iceny; Jan 27, 2015 at 1:39 pm Reason: Any hotel points would be great for Hawaii or NZ trip
#21
Join Date: Dec 2001
Location: Coconut Creek, FL
Programs: AA Lifetime Platinum-2 MM Starwood Plat,Delta DM
Posts: 975
I ended up going 6/6, as I did actually throw in the US Airways card at the end, seeing as I'd only gotten a single TU inquiry from the two Chase apps. However, Chase actually pulled both TU and Exp, so I got an extra pull there... Also, I ended up applying for the AMEX SimplyCash Business card, instead of the Business Gold, since I couldn't get a 75k offer. Still, all in all, I'm quite happy as I value everything at over $3,800. Once the min spends are complete, I'll have:
- 104k WN + CP
- 55k AA
- 26k AS
- 50k US
- $24 (Credits/Cashback - Fees)
#22
Join Date: Jul 2001
Location: DTW
Programs: Dirt Status w/ All
Posts: 5,040
I'm going to apply for an auto loan this week with a CU (not from car dealership) and was wondering if I should do a mini AOR the same day as well after the loan is approved.
I did an AOR back on 9/17/14 and go the following cards:
Chase Ink Bold 16k
Chase Sapphire - charge card
Citi AA - 10.5k
Amex Plat - charge card
BoA Alaska Air - 15k
Barclay Arrival - 10k
Club Carlson - don't remember the limit (10k ish I think)
Sony Card - 7.5k
Current CC:
Disc IT, Amex Simply Cash, Amex BCP, US Bank Cash+, BoA Better Cash Rewards, Citi MC Dividend World, Citi Forward (grandfathered), Chase Freedom
Any recommendation on what other cards I should apply or any of the current ones that need closing first?
Any hotel points would be great for Hawaii or NZ trip
FICO is 779
I did an AOR back on 9/17/14 and go the following cards:
Chase Ink Bold 16k
Chase Sapphire - charge card
Citi AA - 10.5k
Amex Plat - charge card
BoA Alaska Air - 15k
Barclay Arrival - 10k
Club Carlson - don't remember the limit (10k ish I think)
Sony Card - 7.5k
Current CC:
Disc IT, Amex Simply Cash, Amex BCP, US Bank Cash+, BoA Better Cash Rewards, Citi MC Dividend World, Citi Forward (grandfathered), Chase Freedom
Any recommendation on what other cards I should apply or any of the current ones that need closing first?
Any hotel points would be great for Hawaii or NZ trip
FICO is 779
#23
Join Date: Feb 2004
Location: TX
Posts: 756
I read somewhere that Chase bonuses are churnable 24 months AFTER the bonus is first posted, is that correct? I trust FTers more. I don't remember the actual Chase Explorer product that we had before, so I don't want to risk a HP if we've gotten the bonus before. Is the 24 month rule for ALL chase products?
Thanks!
Thanks!
#24
Join Date: Sep 2013
Posts: 222
I read somewhere that Chase bonuses are churnable 24 months AFTER the bonus is first posted, is that correct? I trust FTers more. I don't remember the actual Chase Explorer product that we had before, so I don't want to risk a HP if we've gotten the bonus before. Is the 24 month rule for ALL chase products?
Thanks!
Thanks!
#25
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Best Cards To Get After A Bankruptcy
This is probably the wrong thread to ask this, but I haven't found a better one, so hopefully either someone knows the answer, or at least can direct me to the correct thread.
A co-worker had a bankruptcy 4 years ago. Since then they have been handling their finances quite well, and just bought a $850K home, so they are doing things correctly. However, due to the BK she is being turned down for miles and points cards. All she has right now are Dept store cards, which aren't helping her credit score much at all.
Are there some cards she can get now, perhaps secured with a deposit, that will help her build up her credit again before the BK eventually drops off her CR? Especially with banks that issue airline miles and hotel points ccs, as that is what she is hoping to qualify for, so building up a credit history with them will help her the most. TIA
A co-worker had a bankruptcy 4 years ago. Since then they have been handling their finances quite well, and just bought a $850K home, so they are doing things correctly. However, due to the BK she is being turned down for miles and points cards. All she has right now are Dept store cards, which aren't helping her credit score much at all.
Are there some cards she can get now, perhaps secured with a deposit, that will help her build up her credit again before the BK eventually drops off her CR? Especially with banks that issue airline miles and hotel points ccs, as that is what she is hoping to qualify for, so building up a credit history with them will help her the most. TIA
#26
Join Date: Oct 2011
Location: Astraveln
Programs: AA ex Plat, IC Plat , Hilton Diamond
Posts: 491
Do you need to have the cards closed for a certain period of time to get the second bonus?? I have tons of chase cards, and need to churn them. IE 24months after the points post, but then does the card need to be closed??
thanks, yes I know there is a chase thread and I contribute there but this always seems to be a point of contention.
thx,
thanks, yes I know there is a chase thread and I contribute there but this always seems to be a point of contention.
thx,
#27
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Do you need to have the cards closed for a certain period of time to get the second bonus?? I have tons of chase cards, and need to churn them. IE 24months after the points post, but then does the card need to be closed??
thanks, yes I know there is a chase thread and I contribute there but this always seems to be a point of contention.
thanks, yes I know there is a chase thread and I contribute there but this always seems to be a point of contention.
AFAIK, for personal cards, yes the first card needs to be closed, I haven't heard of anyone getting a second specific card while still having one open. That being true, it obviously has to be closed long enough for the entire Chase IT system to register it as closed. Unfortunately, there don't seem to be enough data points to even guess how long that takes.
For Bus cards, it has been reported to be possible, although not easy, to have 2 Bus cards at the same time. Especially if you have a very good credit history with Chase, and maybe two different businesses.
Last edited by Brugge; Feb 1, 2015 at 11:48 am
#28
Join Date: Apr 2013
Posts: 10
Yesterday:
US Airway (50k first purchase) instant 5k
Alaska (25k first purchase) instant 15k
Amex SPG (25k after 5k/6months) instant (automatically took from other credit line) instant
Amex PRG (50k after 1k) instant
Fidelity Amex (split alaska app in half for approval after recon)
Today:
Citi Hilton Reserve (2nights after 2.5k) 5k instant
already have:
amex:
gold, everyday pref, amx BC
citi:
forward(5x), doublecash
chase:
freedom
hyatt
ink classic
ink plus
bofa:
travel rewards
barclay:
rewards crap
Going to consolidate the CL for barclay into the US Airways. What else? I also have southwest 100 statement (offset AF) and 2k spend for 50k. Also looking at CSP I already applied for 70k ink 3 months ago. What should be next on my churn list in the next 3-6 months?
EDIT:
plans:
most likely will want to travel to hawaii, nyc, japan, philippines, and india.
Planning to use 2 hyatt nights in hawaii, 2 hilton nights in nyc. Have enough for hawaii already in british airways. Was thinking the 25k + 99 companion pass for US airways to nyc. I'm located in LAX
Barclay FICO as of today 769
March - Hawaii
August - India
Sometime in Fall - NYC
Japan and Philippines not sure yet.
US Airway (50k first purchase) instant 5k
Alaska (25k first purchase) instant 15k
Amex SPG (25k after 5k/6months) instant (automatically took from other credit line) instant
Amex PRG (50k after 1k) instant
Fidelity Amex (split alaska app in half for approval after recon)
Today:
Citi Hilton Reserve (2nights after 2.5k) 5k instant
already have:
amex:
gold, everyday pref, amx BC
citi:
forward(5x), doublecash
chase:
freedom
hyatt
ink classic
ink plus
bofa:
travel rewards
barclay:
rewards crap
Going to consolidate the CL for barclay into the US Airways. What else? I also have southwest 100 statement (offset AF) and 2k spend for 50k. Also looking at CSP I already applied for 70k ink 3 months ago. What should be next on my churn list in the next 3-6 months?
EDIT:
plans:
most likely will want to travel to hawaii, nyc, japan, philippines, and india.
Planning to use 2 hyatt nights in hawaii, 2 hilton nights in nyc. Have enough for hawaii already in british airways. Was thinking the 25k + 99 companion pass for US airways to nyc. I'm located in LAX
Barclay FICO as of today 769
March - Hawaii
August - India
Sometime in Fall - NYC
Japan and Philippines not sure yet.
Last edited by trizic; Feb 3, 2015 at 11:44 am
#29
Join Date: Feb 2014
Posts: 68
Are there some cards she can get now, perhaps secured with a deposit, that will help her build up her credit again before the BK eventually drops off her CR? Especially with banks that issue airline miles and hotel points ccs, as that is what she is hoping to qualify for, so building up a credit history with them will help her the most. TIA
You didn't mention your friend's FICO, that'd make a big difference.