Looking to begin/expand churning!
Feb 28, 2012 | 12:58 pm
#16
Join Date: Sep 2011
Programs: HHonors Gold, National Exec, Marriott Silver
Posts: 267
Credit Karma gives me a 1 year, 8 month AAoA. That's not very good, apparently. Also, when reviewing my credit report, I totally forgot about what happened when I got my AA personal in 2010. They messed up and sent me TWO cards, with different numbers. I panicked and closed one, without thinking that I probably could have got the 75K x2 with that. Oops. But it still shows on the report, too.
Feb 28, 2012 | 1:01 pm
#17
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Credit Karma gives me a 1 year, 8 month AAoA. That's not very good, apparently. Also, when reviewing my credit report, I totally forgot about what happened when I got my AA personal in 2010. They messed up and sent me TWO cards, with different numbers. I panicked and closed one, without thinking that I probably could have got the 75K x2 with that. Oops. But it still shows on the report, too.
Feb 28, 2012 | 1:14 pm
#18
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
From my experience credit karma gives you the wrong AAoA, it only counts open accounts (unless they've changed something recently). So it may be higher than 1 yr 8 mo, but whatever the number is, it gets rounded down to the year. In your case the closed 2010 citi card might actually be helping your AAoA, it just isn't helping your utilization.
App for Chase SW 50K, and if I get denied/pended, call and leverage the CO card. If I get approved, close my CO card anyway.
App for the Barclays USAir card
App for the AMEX PRG card, and then (assuming I get instant approved), app for the SPG card.
Last question, I applied for the UA card and was instant approved on 2/08/12. Should I wait at all or does it not really matter? 30/60/90 days?
Feb 28, 2012 | 1:19 pm
#19
Join Date: Sep 2011
Programs: HHonors Gold, National Exec, Marriott Silver
Posts: 267
It matters with Chase. You might get approved, but it will become easer after 30 days b/w apps. You almost certainly won't receive instant approval.
Feb 28, 2012 | 1:23 pm
#20
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Thanks for all the help everyone!
Feb 28, 2012 | 1:31 pm
#21
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
In this case I would probably do them all on the same day, given that barclays reports very quickly. You could always do Amex, wait until 30 days from your chase app and do SWA and Barclays. Amex will pull Experian, Chase will pull Experian or Equifax it seems, and Barclays will pull Transunion.
Feb 28, 2012 | 1:49 pm
#23
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
In this case I would probably do them all on the same day, given that barclays reports very quickly. You could always do Amex, wait until 30 days from your chase app and do SWA and Barclays. Amex will pull Experian, Chase will pull Experian or Equifax it seems, and Barclays will pull Transunion.
Feb 28, 2012 | 2:08 pm
#24
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
My guess is you're probably going to have to call Chase to get the SWA card approved anyways, you may as well get this show on the road!
If you want to wait though, that's fine.
Feb 28, 2012 | 2:17 pm
#25
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
Do you remember when you got the targeted offer for the PRG? My only worry would be it could change with the beginning of a new month. My "special offers" seemed to always change from one month to the next, sometimes within the same month.
My guess is you're probably going to have to call Chase to get the SWA card approved anyways, you may as well get this show on the road! If you want to wait though, that's fine.
My guess is you're probably going to have to call Chase to get the SWA card approved anyways, you may as well get this show on the road!
If you want to wait though, that's fine.....if this goes away 3/1 and I didn't do it, I'll be very sad.
Feb 28, 2012 | 2:27 pm
#26
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
I didn't receive it in the mail, as far as I can recall. I only see it when I check my targeted offers on AMEX. I have "existing mail offers" for the Blue Sky, Blue Cash, and Delta offers, and the PRG offer just says "New Offer!"
....if this goes away 3/1 and I didn't do it, I'll be very sad.
....if this goes away 3/1 and I didn't do it, I'll be very sad.
Feb 28, 2012 | 3:05 pm
#27
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
I want to close out the continental card anyway, but I just purchased a ticket using it on saturday. I've already paid it off, but if I close it out before the miles post, they disappear, correct?
Feb 28, 2012 | 3:15 pm
#28
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
I don't believe that would be the case, you would get at least one more statement when closing out the account. First try to get the SWA card without closing the CO card obviously, they might give you an additional 5k or more of new credit (can use as more leverage down the road). Then after you get the SWA approved, call and cancel the CO and move the credit line to your different cards.
Feb 28, 2012 | 3:18 pm
#29
Join Date: Feb 2012
Posts: 51
On further investigation, this is what I'm leaning towards:
Chase SW 50K (AFP)
Barclay USAir 40K (AFP)
AMEX PRG 75K ($1k/3mo)
AMEX SPG 30K ($1k/3mo)
That would put me up to 10 credit cards though, including the chase CO card I want to close out soon. That is a scary number to me. Can I go that high?
Also, can I go ahead and close out the CO card, or should I wait till I do the SW app?
-roki
Chase SW 50K (AFP)
Barclay USAir 40K (AFP)
AMEX PRG 75K ($1k/3mo)
AMEX SPG 30K ($1k/3mo)
That would put me up to 10 credit cards though, including the chase CO card I want to close out soon. That is a scary number to me. Can I go that high?
Also, can I go ahead and close out the CO card, or should I wait till I do the SW app?
-roki
Where did you get the AMEX SPG 30k (1k/3mo). I would love to apply for that. Thanks.
Feb 28, 2012 | 3:52 pm
#30
Original Poster
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
I got the AMEX PRG 75k (1k/3mo) as well a few days ago when I checked my offer. I called and the rep told me it would be available until dec 2012 for me. I'm surely not going to wait until then but I wanted to see if the cap one offer comes out so I can do all my apps at the same time.
Where did you get the AMEX SPG 30k (1k/3mo). I would love to apply for that. Thanks.
Where did you get the AMEX SPG 30k (1k/3mo). I would love to apply for that. Thanks.