Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Credit Card Programs
Reload this Page >

2013 App-O-Rama (AOR) and Churn Advice Archive

2013 App-O-Rama (AOR) and Churn Advice Archive

Closed Thread

Old Dec 21, 13, 10:16 am
  #2176  
FlyerTalk Evangelist
IHG Contributor Badge
 
Join Date: Feb 2005
Location: Valley of the Sun
Programs: AA PLT, SPG PLT, IHG AMB PLT,
Posts: 10,742
Originally Posted by wcj View Post
Church and legal....What's next....obamacare, lol?
Now go to other corner and stand on one leg!
FlightNurse is offline  
Old Dec 21, 13, 10:18 am
  #2177  
FlyerTalk Evangelist
IHG Contributor Badge
 
Join Date: Feb 2005
Location: Valley of the Sun
Programs: AA PLT, SPG PLT, IHG AMB PLT,
Posts: 10,742
Originally Posted by KennyBSAT View Post
+1. And then once you get that, you will be in a position to sprint when needed. Deals like this past summer when Citi opened the door for rapid-fire churning and 75-100K AMEX deals are worth throwing away the plan and jumping on, but that will only be possible if you haven't been going full speed up to that point.
Exactly!!! If I did the AOR I wanted to do this summer, I wouldn't have gotten the 250K of AA miles, I ended up getting..... Also the longer you are in this game, you will see patterns and know when to jump and when not to.
FlightNurse is offline  
Old Dec 21, 13, 10:19 am
  #2178  
 
Join Date: Aug 2013
Location: Washington, DC
Programs: United, UR, AA, USAirways, AirTran, JetBlue, SPG, Hilton
Posts: 25
Originally Posted by FlightNurse View Post
Sigh..... This is a marathon not a sprint.
Thanks FlighNurse - and I agree - I've only been doing this for 5 months so tend to get carried away . Time to preach patience .
ladoo420 is offline  
Old Dec 21, 13, 10:27 am
  #2179  
 
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
My last AOR was mostly unsuccessful. I applied for 3 cards. I got denied for a Fidelity Amex because of too many inquiries. The guy said I had 7 in 2013 and 4 in 2012. They likely pull from Experian as I have very few pulls on TU or Equifax.

I got approved for the Chase United card after calling in and moving credit from my existing cards with them. I also applied for a TD bank rewards card, which I did not get approved immediately. A representative called and left a VM the next day. I called back and they just verified some information. She didn't tell me whether I got approved or not, but I should hear back in 5-7 days.

CreditKarma score: 790
CreditSesame: 765
Barclays score, which is likely from TU: 780
dogbyte is offline  
Old Dec 21, 13, 10:30 am
  #2180  
Moderator: Travel Buzz, Chase Credit Cards
 
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 2,627
Originally Posted by FlightNurse View Post
Exactly!!! If I did the AOR I wanted to do this summer, I wouldn't have gotten the 250K of AA miles, I ended up getting..... Also the longer you are in this game, you will see patterns and know when to jump and when not to.

Exactly! You'll know a good opportunity when you see one. Also going a bit slower helps you prioritize in programs, spend, MS, float, bonus points, redemptions, or what ever you've got on your plate.

My biggest expense is only payable on Visa or M/C only, so big spending on Amex takes some focus or MS. This is one more layer of hassle/commitment, but it wasn't so clear a year ago. Now, my Amex apps are well thought out, not willy nilly.


PS-Flight Nurse, I'm jealous of your 250K AA points... I got a couple apps in, but nothing like I could of. Lesson learned: get when the gettin' s good.
StartinSanDiego is offline  
Old Dec 21, 13, 12:08 pm
  #2181  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
So maybe we can call it a marathon with the occasional running of the bulls thrown in - You have to be able to pace yourself most of the time and sprint when needed.
KennyBSAT is offline  
Old Dec 21, 13, 3:52 pm
  #2182  
Suspended
 
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,886
Originally Posted by ladoo420 View Post
Thanks FlighNurse - and I agree - I've only been doing this for 5 months so tend to get carried away . Time to preach patience .
Learn from me, spread it out. I did a huge AOR my first time, and now banks are very wary of lending to me since my combined CL is 2x my income. I can't shuffle most cards around since 80% of my AFs hit the same month.
PainCorp is offline  
Old Dec 22, 13, 8:17 am
  #2183  
FlyerTalk Evangelist
IHG Contributor Badge
 
Join Date: Feb 2005
Location: Valley of the Sun
Programs: AA PLT, SPG PLT, IHG AMB PLT,
Posts: 10,742
Originally Posted by KennyBSAT View Post
So maybe we can call it a marathon with the occasional running of the bulls thrown in - You have to be able to pace yourself most of the time and sprint when needed.
It's only a Marathon if the CC companies allow it...
FlightNurse is offline  
Old Dec 22, 13, 8:19 am
  #2184  
FlyerTalk Evangelist
IHG Contributor Badge
 
Join Date: Feb 2005
Location: Valley of the Sun
Programs: AA PLT, SPG PLT, IHG AMB PLT,
Posts: 10,742
Originally Posted by StartinSanDiego View Post
PS-Flight Nurse, I'm jealous of your 250K AA points... I got a couple apps in, but nothing like I could of. Lesson learned: get when the gettin' s good.
I stumbled on the citi flood when it first hit, so between myself and my partner we have over 700+ of AA miles... I finally got lucky in this game...
FlightNurse is offline  
Old Dec 22, 13, 6:15 pm
  #2185  
 
Join Date: Nov 2009
Posts: 940
Job seekers, do you stop AoR before your job search?

I read that many employers these days pull credit reports. If you know that you'll be on the job market at an expected date in the future, do you stop your AoR? How many hard pulls do you allow yourself to have, or do employers only look for "severe" no-no like late payment and miss payments and hard pull is of no consequence?
Rommie2k6 is offline  
Old Dec 22, 13, 6:38 pm
  #2186  
 
Join Date: Jul 2009
Location: BOM
Programs: AA EXP
Posts: 806
I had a credit check as part of my federal security and suitability clearances. They never mentioned any problems.
LoneTree is offline  
Old Dec 22, 13, 9:16 pm
  #2187  
 
Join Date: Aug 2010
Location: ORD
Programs: AA EXP LT Plat >3 Million miles,HH Lifetime Diamond
Posts: 2,360
Originally Posted by Rommie2k6 View Post
I read that many employers these days pull credit reports. If you know that you'll be on the job market at an expected date in the future, do you stop your AoR? How many hard pulls do you allow yourself to have, or do employers only look for "severe" no-no like late payment and miss payments and hard pull is of no consequence?
The employers report is a subset of the full report and honestly most HR departments are ill equipped to read and understand the report. Inquiries should not have an impact, they are looking at Severe as you suggest, if anything. If you are looking at employment at a bank or handling money, it might be different
worldiswide is offline  
Old Dec 23, 13, 5:00 am
  #2188  
 
Join Date: Jan 2013
Location: MAN
Programs: BA Gold, AF/KL Flying Blue Gold
Posts: 213
This kind of thing needs to stop.

Your credit report is none of your employers business, with the odd exception for those working in the financial industry. For everyone else, it is a private matter.

So what if someone has a poor credit history? It does not mean they cannot do their job. Policies like this endanger the job prospects of millions.
12939 is offline  
Old Dec 23, 13, 12:58 pm
  #2189  
 
Join Date: Sep 2013
Posts: 24
Recently got an e-mail for a 30k offer expiring 16/1/14 for SPG Amex Personal (10k+20k after 5k spend in 6 mos). Anyone else get this e-mail?
dwei is offline  
Old Dec 23, 13, 2:04 pm
  #2190  
 
Join Date: Sep 2012
Location: Florida
Posts: 445
Originally Posted by dwei View Post
Recently got an e-mail for a 30k offer expiring 16/1/14 for SPG Amex Personal (10k+20k after 5k spend in 6 mos). Anyone else get this e-mail?
Lucky you, I just got the normal (10k + 15k after 5k in 6 mos) offer expiring the same day. Was thinking about jumping on it just cause I don't have an SPG yet, but now I'm disappointed lol
MilesGator is offline  

Thread Tools
Search this Thread