2013 App-O-Rama (AOR) and Churn Advice Archive
Dec 23, 2013, 9:40 pm
#2191
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,669
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.
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.
It isn't just employers using credit reports as part of hiring criteria, insurance companies also use them when calculating premiums (at least in the USA).
Dec 24, 2013, 12:25 am
#2192
Join Date: Mar 2011
Location: FL
Programs: AAdvantage Elite Plat, HH Gold, SPG Gold, Hertz Gold, BA
Posts: 498
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.
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.
Some senior execs jobs require interviews of friends and neighbors as part of the vetting process.
Pros and cons about this issue. This is why we need to educate young kids to avoid criminal records or make bad financial decisions
Gossip: lots of execs played the real estate marked and were burned by bad property investments. And lots of bankruptcies out there
Dec 24, 2013, 3:54 am
#2193
Join Date: Sep 2012
Location: Western US
Programs: WN CP, WN A-List Preferred, AS MVPG 75k, SPG Gold, Hilton Gold, Hyatt Diamond
Posts: 554
I've had full credit checks before regarding employment, however as others have said it really should only be a concern in areas of the financial industry. The reasoning typically is they don't want to see you owe some outrageous sum in debt that will make it more tempting to embezzle funds. Some government jobs are also the case for security reasons. Overall inquiries don't matter; they want to see a total sum owed, to whom, and types of debt.
If you're not directly having any kind of financial responsibility in the job I would have a serious discussion with the recruiter as to what/how each part of the credit report will be used prior to blindly signing the authorization form.
If you're not directly having any kind of financial responsibility in the job I would have a serious discussion with the recruiter as to what/how each part of the credit report will be used prior to blindly signing the authorization form.
Dec 24, 2013, 5:46 am
#2194
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,669
I've had full credit checks before regarding employment, however as others have said it really should only be a concern in areas of the financial industry. The reasoning typically is they don't want to see you owe some outrageous sum in debt that will make it more tempting to embezzle funds. Some government jobs are also the case for security reasons. Overall inquiries don't matter; they want to see a total sum owed, to whom, and types of debt.
If you're not directly having any kind of financial responsibility in the job I would have a serious discussion with the recruiter as to what/how each part of the credit report will be used prior to blindly signing the authorization form.
If you're not directly having any kind of financial responsibility in the job I would have a serious discussion with the recruiter as to what/how each part of the credit report will be used prior to blindly signing the authorization form.
Dec 24, 2013, 11:00 am
#2195
Join Date: Jun 2013
Posts: 194
Update on my 1st AOR after my original where I applied for 12 cards:
BOA Virgin - Instant
US Bank Club Carlson Business - approved after reconsideration and freezing ARS & IDA
Citi Hilton Visa - Instant
Chase Hyatt - Instant
Amex Starwoods Business - Instant
Barclays US Air - Instant
BOA Virgin - Instant
US Bank Club Carlson Business - approved after reconsideration and freezing ARS & IDA
Citi Hilton Visa - Instant
Chase Hyatt - Instant
Amex Starwoods Business - Instant
Barclays US Air - Instant
Dec 24, 2013, 4:01 pm
#2196
Join Date: Jul 2011
Posts: 321
AOR 2 advice....
Appreciate the expert advice...
So my wifes annual fees are due in Jan and would like to run another AOR on same time I cancel her accounts. Following is what she has and want to cancel.
1. Chase United explorer (need to cancel)
2. Citi AA Visa (need to cancel)
3. Citi AA Amex (need to cancel)
4. Chase Ink Bus (not planning to cancel)
5. Chase Freedom (she shares a card with me)
Could someone please advice which cards should I look into? get further rewards....I am mainly interested in Airline miles....
Thanks in advance.
So my wifes annual fees are due in Jan and would like to run another AOR on same time I cancel her accounts. Following is what she has and want to cancel.
1. Chase United explorer (need to cancel)
2. Citi AA Visa (need to cancel)
3. Citi AA Amex (need to cancel)
4. Chase Ink Bus (not planning to cancel)
5. Chase Freedom (she shares a card with me)
Could someone please advice which cards should I look into? get further rewards....I am mainly interested in Airline miles....
Thanks in advance.
Dec 24, 2013, 8:52 pm
#2197
Join Date: Sep 2012
Location: Western US
Programs: WN CP, WN A-List Preferred, AS MVPG 75k, SPG Gold, Hilton Gold, Hyatt Diamond
Posts: 554
True. However, it's much easier and more damaging to walk away with a duffle bag full of cash or send a wire transfer of company funds to a personal overseas account if you have signature authority versus loading up your SUV with computer hardware. I don't know about what you drive, but it'd take quite a few car loads of MacBooks to equal one duffel bag of 100's.
Dec 24, 2013, 10:35 pm
#2198
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
Appreciate the expert advice...
So my wifes annual fees are due in Jan and would like to run another AOR on same time I cancel her accounts. Following is what she has and want to cancel.
1. Chase United explorer (need to cancel)
2. Citi AA Visa (need to cancel)
3. Citi AA Amex (need to cancel)
4. Chase Ink Bus (not planning to cancel)
5. Chase Freedom (she shares a card with me)
Could someone please advice which cards should I look into? get further rewards....I am mainly interested in Airline miles....
Thanks in advance.
So my wifes annual fees are due in Jan and would like to run another AOR on same time I cancel her accounts. Following is what she has and want to cancel.
1. Chase United explorer (need to cancel)
2. Citi AA Visa (need to cancel)
3. Citi AA Amex (need to cancel)
4. Chase Ink Bus (not planning to cancel)
5. Chase Freedom (she shares a card with me)
Could someone please advice which cards should I look into? get further rewards....I am mainly interested in Airline miles....
Thanks in advance.
Barclaycard US Airways - 35K
Chase Airtran - 32 credits - 2 RTs
Barclaycard Frontier - 40K
Barclaycard Arrival (hey $400 is $400)
Chase Sapphire Preferred 40K (transfer)
Chase Ink Bold 50K (transfer)
BoA Virgin Atlantic 50K
Dec 24, 2013, 11:08 pm
#2199
Join Date: Jul 2011
Posts: 321
Thanks,
Dec 25, 2013, 3:04 am
#2200
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,457
I thought chase stopped the Airtran card, it's not on thier site, this would be have been a sweet card to get, it was one of my next cards..
Dec 25, 2013, 6:08 am
#2201
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,669
True. However, it's much easier and more damaging to walk away with a duffle bag full of cash or send a wire transfer of company funds to a personal overseas account if you have signature authority versus loading up your SUV with computer hardware. I don't know about what you drive, but it'd take quite a few car loads of MacBooks to equal one duffel bag of 100's.
Dec 25, 2013, 7:24 am
#2202
Join Date: Feb 2010
Location: US
Programs: (PM)AA SPG (Marriott), Hilton
Posts: 1,040
http://money.cnn.com/2013/12/17/pf/e...cks/index.html
Sum: Sen. Warren (MA) with others sponsoring a bill to keep credit information out of job hiring decisions.
Sum: Sen. Warren (MA) with others sponsoring a bill to keep credit information out of job hiring decisions.
Dec 25, 2013, 7:49 am
#2203
Join Date: Dec 2013
Location: LA/NYC
Posts: 53
Dec 25, 2013, 8:50 am
#2204
Join Date: Sep 2012
Location: Western US
Programs: WN CP, WN A-List Preferred, AS MVPG 75k, SPG Gold, Hilton Gold, Hyatt Diamond
Posts: 554
Keep in mind, you can steal from a company without actually removing something from a shelf. Proprietary information, source code, clients lists, etc., can all be very valuable, and the temptation to sell those might be higher if the applicant is in financial trouble.
Dec 25, 2013, 11:53 am
#2205
Join Date: Apr 2013
Posts: 62
There is no way to use these AirTran credits with the southwest companion pass is there? I did a search and it looks like the answer is no.