FlightNurse

Now go to other corner and stand on one leg!

FlightNurse

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.

ladoo420

Thanks FlighNurse - and I agree - I've only been doing this for 5 months so tend to get carried away . Time to preach patience ^.

dogbyte

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

StartinSanDiego

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.

KennyBSAT

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.

PainCorp

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.

FlightNurse

It's only a Marathon if the CC companies allow it...

FlightNurse

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...

Rommie2k6

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?

LoneTree

I had a credit check as part of my federal security and suitability clearances. They never mentioned any problems.

worldiswide

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

12939

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.

dwei

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?

MilesGator

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