FlyerTalk Forums - View Single Post - 2013 App-O-Rama (AOR) and Churn Advice Archive
Old Dec 16, 2013, 9:21 am
  #2146  
ashap
 
Join Date: Jan 2013
Location: PVD/BOS
Posts: 879
Originally Posted by nmp0
I am planning a AOR on 12/23 and would appreciate any feedback.

Current:

Chase (2 freedoms - 2008 PC, June 2013)
Amex (BCP - Aug 2011, SPG Aug 2013)
Citi (TYP - Feb 2013)
Other (4 store cards from 2010-2012, 1 store card May 2013, Discover IT Aug 2013, Wells Fargo Cash+ Aug 2013)
Mortgage refinanced July 2013.

Current CR Scores are:
752 - 12/15 - Credit Karma
715 - 12/15 - Credit Sesame
714 - 12/11 - Discover TU (Utilization lower since 12/11)
Amex Plus scores from 11/17 - EX 745, EQ 736, TU 749 (Utilization lower now)

Pulls (12 months):
Eq: 8, Ex: 4, TU: 1

Plan (in order, CR I think they will pull):

(TU) US Bank: Club Carlson Premier Personal 85k & Business 85k (I froze the 2 bureaus)
(TU) Barclays: Arrival 40k & US Airways Premier World 30k
(?) CapitalOne: Venture $200 & Spark Cash $150
(Ex) Amex: SPG Business 25k & Hilton Reserve 60k
(Ex/Eq) Citi: AA Plat Personal 50k & Business 50k (8 days later)
(Ex/Eq) Chase: Ink Bold 50k & British Airways 100k

My income is approx $50k and I have 7+ years at job. The business is a real startup that I will be starting Jan 2014 (I have my license & EIN but haven't opened business bank account) around my current job so I will have to report $0 income, 1 employee etc. Any suggestions on which business cards to avoid at this point and wait until I have some business income to report?

I figure the Required Spend at $33k in 3 months + $15 in the next 3 months. I have to BB plus other methods already in use.

Plan for points:

Build up points with airlines & hotels for future travel, use cash back to offset fees for points. With starting a business I don't think I will be traveling much in 2014 but I want to build up points with different carriers/hotels to have flexibility.

Thoughts?
Not sure how many of your 4 Ex pulls are within the last 6 months, but my AA Biz was denied for having 6 pulls with in 6 months. So that's something you might want to be aware of, because with AoR will count towards the 6 limit when you go for the AA Biz 8 days after the AoR.

Also, if you are just applying to bank the points with no use for them planned in 2014, I would maybe split these into 2 AoR's. It seems like a lot of cards all at once, but if you are comfortable with it, go for it!

I am very interested in your Barclay's Arrival card - I also have 1 TU pull and I'm looking to get the Arrival, but haven't pulled the trigger just yet.
ashap is offline