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-   -   Scraping the bottom of the barrel (https://www.flyertalk.com/forum/credit-card-programs/1445850-scraping-bottom-barrel.html)

drminn Mar 7, 2013 7:27 pm

Scraping the bottom of the barrel
 
Over the last 15 months I applied and was approved for the following cards:

Chase
Sapphire Plus
United
Hyatt

Ink Bold
Ink+
Citi
AA Amex
AA Business Visa
HH Amex *2
US Bank
Flexperks Business Olympic Promo
Barkleys
US Air Mastercard
BofA
Hawaiian
Amex
SPG
Delta Gold
PRG

I am going to cool it for a few months, but in planning for my next move I am running out of fantasy as far as what cards to apply for. There is nothing more I get really excited about. I am mainly interested in international travel to Europe and South America, hotels are not that important as we have friends and family in many places.

Am I missing something? I could just wait and spend my million+ miles until a killer offer shows up. On the other hand if there is another "must have" card I'd like to know about it.

teammjs Mar 7, 2013 7:46 pm

Why not repeat several of these cards again?

With Amex all you generally need to do is cancel the cards and wait 1 year.

With Citi (on the Hilton), BofA, and if you're lucky, Barclays, you can often churn a couple times in a year.

kpd905 Mar 7, 2013 8:14 pm


Originally Posted by teammjs:20380793
Why not repeat several of these cards again?

With Amex all you generally need to do is cancel the cards and wait 1 year.

With Citi (on the Hilton), BofA, and if you're lucky, Barclays, you can often churn a couple times in a year.

What are the known churn times for certain cards? I've heard the hilton card can be done a few times a year without canceling.

dcpilgrim Mar 8, 2013 1:13 pm

Brit Air?
Freedom?
Amex Plat?
Amex Biz versions of the card you already have?
Hilton Reserve?

Splittin' Aces Mar 8, 2013 2:34 pm

Sapphire Plus Mastercard?
SPG Biz?
AMEX Gold Biz?
Another AA Biz?
US Air Biz?

shoreline Mar 8, 2013 4:40 pm


Originally Posted by drminn (Post 20380714)
Over the last 15 months I applied and was approved for the following cards:

Chase
Sapphire Plus
United
Hyatt

Ink Bold
Ink+
Citi
AA Amex
AA Business Visa
HH Amex *2
US Bank
Flexperks Business Olympic Promo
Barkleys
US Air Mastercard
BofA
Hawaiian
Amex
SPG
Delta Gold
PRG

I am going to cool it for a few months, but in planning for my next move I am running out of fantasy as far as what cards to apply for. There is nothing more I get really excited about. I am mainly interested in international travel to Europe and South America, hotels are not that important as we have friends and family in many places.

Am I missing something? I could just wait and spend my million+ miles until a killer offer shows up. On the other hand if there is another "must have" card I'd like to know about it.

sounds like you have quite a selection.

do you plan to cancel these or maintain them for credit history (age)?

drminn Mar 8, 2013 7:36 pm


Originally Posted by shoreline (Post 20386539)
sounds like you have quite a selection.

do you plan to cancel these or maintain them for credit history (age)?

Thanks for all the suggestions - I did get denied a second AA business Visa, reason given was the "bonus is for first time card members only" line. At this point I am looking mostly for signup bonuses, my spending is pretty much allocated to the existing cards. The SPG business is on my radar, and I need to look into the Sapphire Plus Mastercard.

I plan on keeping a few (Hyatt for the free night for $75, Sapphire and Ink Plus as a repository for my UR points, the Citi HH since they are free) and cancel the rest. AAoA is not that big an issue for me, Amex really helps there since they seem to report new accounts with the age of the oldest one - that would be more than 25 years, giving me an overall AaoA of nearly 10 years.


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