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

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

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Old Mar 7, 13, 6:08 am
  #496  
 
Join Date: Apr 2011
Location: SMF
Programs: Hilton Gold-Marriott Gold
Posts: 1,013
Originally Posted by happy9zz View Post
Hello everybody, I just finished my 1st churn on Feb 10 2013. I am thinking for my 2nd churn after 91 days. Currently, I have:

Citi Dividend
Citi thankyou (35,000)
Chase Sapphire Prefer (50,000)
Ink Bold Business (50,000)
Amex Business Gold (75,000)
Hilton Amex (65,000)
Citi American Airline (50,000)
Amex American Airline (50,000)
CitiBusiness AAdvantage (50,000)
US Airways (40,000)
Chase Ink Plus (50,000)
Hawaiian airline boa (35,000)
Hawaiian airline boh (35,000)
United mileageplus (55,000)

So for my next churn after 91 days, which cards should I apply? any suggestion please
Do you have goal for the miles and points you are acquiring? If so then you should look for cards that take you to that end.
mike2200 is offline  
Old Mar 7, 13, 6:22 am
  #497  
 
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Originally Posted by happy9zz View Post
Hello everybody, I just finished my 1st churn on Feb 10 2013. I am thinking for my 2nd churn after 91 days. Currently, I have:

Citi Dividend
Citi thankyou (35,000)
Chase Sapphire Prefer (50,000)
Ink Bold Business (50,000)
Amex Business Gold (75,000)
Hilton Amex (65,000)
Citi American Airline (50,000)
Amex American Airline (50,000)
CitiBusiness AAdvantage (50,000)
US Airways (40,000)
Chase Ink Plus (50,000)
Hawaiian airline boa (35,000)
Hawaiian airline boh (35,000)
United mileageplus (55,000)

So for my next churn after 91 days, which cards should I apply? any suggestion please
I am about to go on my first AOR. I was wondering if you could estimate how much your credit score dropped after the first round? And if it came back up slightly after a month?
arsenalman is offline  
Old Mar 7, 13, 6:28 am
  #498  
 
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Thanks - that sounds like a good offer. Will have to go through the manufactured spending forum to figure out how i can meet all the spending limits.
One question that i have is that i see people posting for their 2nd and 3rd churn in a year - but dont they already have most of the cards, so how can they multiply their points by accepting to cards that they already have?
arsenalman is offline  
Old Mar 7, 13, 6:53 am
  #499  
 
Join Date: Nov 2012
Programs: USairways, Marriot, Hyatt, Hilton, Rapid Rewards
Posts: 36
My Second AOR

I came across flyertalk late last year and had my first aor in early December and applying for and getting 7 cards. Yesterday I did my second AOR. I applied for and was approved for 5 cards after 2 phone calls. i got the Citi AAdvantage business card, 2 Southwest cards(companion pass!), the AMEX Premier rewards Gold(50k offer) and the MB Platinum Card for 50K points(I plan on buying a Mercedes in December). I think that is a pretty good haul for one day. Any suggestions on another offer to apply for today? Do you think 3 Chase cards in on cycle is pushing it?
Wisemas is offline  
Old Mar 7, 13, 7:46 am
  #500  
 
Join Date: Jan 2013
Location: New York, NY
Programs: UA 1k, SPG Gold, Hilton Gold
Posts: 142
Originally Posted by happy9zz View Post
Hello everybody, I just finished my 1st churn on Feb 10 2013. I am thinking for my 2nd churn after 91 days. Currently, I have:

Citi Dividend
Citi thankyou (35,000)
Chase Sapphire Prefer (50,000)
Ink Bold Business (50,000)
Amex Business Gold (75,000)
Hilton Amex (65,000)
Citi American Airline (50,000)
Amex American Airline (50,000)
CitiBusiness AAdvantage (50,000)
US Airways (40,000)
Chase Ink Plus (50,000)
Hawaiian airline boa (35,000)
Hawaiian airline boh (35,000)
United mileageplus (55,000)

So for my next churn after 91 days, which cards should I apply? any suggestion please
I want to help and give my advice, but your list is quite hard to read. Can you order it by bank? That's how most of us think of credit cards
TheMilesProfessor is offline  
Old Mar 7, 13, 8:55 am
  #501  
wcj
 
Join Date: Mar 2012
Posts: 784
Read the last 5-10 pages of the AA personal cards thread as it appears that getting the two personal AA cards (at least the ones you have proposed)at one time is no longer possible. When I was looking at that thread, there are also rules on when you can get additional cards and I don't think you have waited sufficient time, although cant really tell.

Not sure on the chase cards. You just did one personal and one biz and now want two personal and one biz less than 90 days out. I would anticipate problems and recon time, if you have a shot. Others probably have more insight.
wcj is offline  
Old Mar 7, 13, 9:39 am
  #502  
 
Join Date: Sep 2011
Posts: 215
I am of course no expert, but one advise I got here was to take it slow with Chase. You dont want to be in their bad books. @ chase cards in one AOR is probably the max one should do, but hopefully experts will fill in.

Originally Posted by bg26892 View Post
Ended up tearing though the spend pretty quickly and due to some upcoming extensive travels, I'm excited about another churn (despite not waiting the standard 91 days). These are my targets - does anyone have any suggestions/input? Thanks in advance!

Citi Visa
Citi Amex
Chase Ink - Biz
Chase Sapphire
Chase United
punjabi2 is offline  
Old Mar 7, 13, 10:21 am
  #503  
 
Join Date: Jan 2006
Location: Pittsburgh, PA
Programs: AA EXP, Hilton Diamond, Marriott Platinum, Four Seasons
Posts: 399
Something that pulls Transunion - Barclays US Airways Card (personal or business or both) or Barclays Arrival card?
r.brown is offline  
Old Mar 7, 13, 10:57 am
  #504  
 
Join Date: Apr 2011
Posts: 357
Originally Posted by arsenalman View Post
Thanks - that sounds like a good offer. Will have to go through the manufactured spending forum to figure out how i can meet all the spending limits.
One question that i have is that i see people posting for their 2nd and 3rd churn in a year - but dont they already have most of the cards, so how can they multiply their points by accepting to cards that they already have?
The beauty of the game is that new cards are introduced, and some cards (such as the AA) are churnable in certain timeframes. So, you want to focus your churn on cards:
1) that are going away (both you and your wife should get the USAir card)
2) that are currently known for churning (AA - 50k offer, see sticky)
3) "blockbuster" offers like the biz gold

Then, you can layer the others in. There are no hard/fast rules, it all depends on your credit.

This advice assumes that you are somewhat flexible in when/where/how for Europe, and are wlling to either plan ahead or plan late. If you want specific direct flights, then of course you'll want to target your apps by alliance!
Mile-a-holic is offline  
Old Mar 7, 13, 11:17 am
  #505  
 
Join Date: Nov 2012
Programs: USairways, Marriot, Hyatt, Hilton, Rapid Rewards
Posts: 36
Thanks. I added the Barclays US Air Card in December. Not sure they'll approve me for another.
Wisemas is offline  
Old Mar 7, 13, 11:25 am
  #506  
 
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 606
@mike2200: My goal is saving points and miles for future vacation. I dont have any plan right now. I know miles and points are devaluation but I really dont have any plan right now. I just want to build my points and miles.

@arsenalman: my FICO scores from Equifax and Transunion are not posted yet. So I am not sure.

@TheMilesProfessor: thanks, I just make it order by bank.
happy9zz is offline  
Old Mar 7, 13, 11:40 am
  #507  
 
Join Date: Jan 2013
Location: New York, NY
Programs: UA 1k, SPG Gold, Hilton Gold
Posts: 142
Much better! Now I can see which cards are there/not there. I am going to name a few cards I personally went for and currently have.

Amex:

You don't yet have the Starwood Preferred Guest Card. It comes with 25k bonus after 5k spend and SPG points can be used for hotels or convert to miles at 20k -> 25k on many airline programs (just not United). The points are actually most lucrative when used for hotels.

After I got the 75k offer, I was able to upgrade to Plat Amex for an additional 25k bonus after 10k spend. The card comes with $450 annual fee, but you can get $200 airline credit per calendar year so you can make back $400. I went for this as having the Amex Gold card makes me ineligible for any signup bonus other than through upgrade.

Citi:

You may consider the Hilton HHonors Reserve card. It gives you two free weekend night certificates after spending $2500 and an additional free weekend night certificate after $7500 spending. You have a year to use them. The good thing about this card is the certificates will be valid categories 1-10 and are safe against the devaluation.

US Bank:

Is your US Airways Card Barclays?

US Bank has a FlexPerks Visa card. You earn 1 FlexPerks point per dollar and these can be redeemed for up to 2 cents each through their booking engine powered by travelocity. They give 2 points for certain categories such as gas and 3 points for charities (think Kiva!). I like these points a lot since it doesn't require you to find award space. Card comes with 17,500 point bonus after spending $1500.

Chase:

I like Chase Freedom even though it doesn't have a big bonus. No annual fee and it's pretty easy to maximize their quarterly rotating categories for 7500 Ultimate Rewards points each quarter. These transfer to your other Ultimate Rewards cards.

British Airways has an offer for 50,000 Avios after $1000 spending.

_____________

http://themilesprofessor.com

Last edited by TheMilesProfessor; Mar 7, 13 at 12:08 pm Reason: Altered BA offer to reflect most recent
TheMilesProfessor is offline  
Old Mar 7, 13, 11:49 am
  #508  
 
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Originally Posted by Mile-a-holic View Post
The beauty of the game is that new cards are introduced, and some cards (such as the AA) are churnable in certain timeframes. So, you want to focus your churn on cards:
1) that are going away (both you and your wife should get the USAir card)
2) that are currently known for churning (AA - 50k offer, see sticky)
3) "blockbuster" offers like the biz gold

Then, you can layer the others in. There are no hard/fast rules, it all depends on your credit.

This advice assumes that you are somewhat flexible in when/where/how for Europe, and are wlling to either plan ahead or plan late. If you want specific direct flights, then of course you'll want to target your apps by alliance!
Thank you!! I am just getting ready to pull the trigger. Setting up the bluebird/AP accounts. Read probably 2-300 threads today to get familiar with it (Wish i had tried this a few months back with the OD had the VR going).

From what i have read, Citi cards are the hardest to use manufactured spending on, but i dont think the min spending is too high. As for going for trips, we are in no hurry. I would like to go whenever i could find flights etc, so in no hurry.

I just need to get comfortable on how to transfer points and which card i need to meet my ultimate goals. Soo many variables, going to start an excel sheet with a few macros to track everything.
arsenalman is offline  
Old Mar 7, 13, 12:02 pm
  #509  
 
Join Date: Apr 2011
Posts: 357
Originally Posted by arsenalman View Post
Thank you!! I am just getting ready to pull the trigger. Setting up the bluebird/AP accounts. Read probably 2-300 threads today to get familiar with it (Wish i had tried this a few months back with the OD had the VR going).

From what i have read, Citi cards are the hardest to use manufactured spending on, but i dont think the min spending is too high. As for going for trips, we are in no hurry. I would like to go whenever i could find flights etc, so in no hurry.

I just need to get comfortable on how to transfer points and which card i need to meet my ultimate goals. Soo many variables, going to start an excel sheet with a few macros to track everything.
For Citi, consider prepaying things like cable or other bills (so you hit spend in required time) if your cash flow can absorb. I'm pretty cautious - I know folks get away with manufactured spend, but if you're in it for the long haul mixing in as much real spend as possible is best esp. in the early going.

I have a similar goal - fly to Europe in J (or F, I'm not picky). There's no one card, I rotate so that we have points in each alliance, plus flexiblity with Membership Rewards and SPG. We're flexible, so we can always get a trip planned. Once we've burned, I try to earn but now it's what cards we can get.
Mile-a-holic is offline  
Old Mar 7, 13, 12:02 pm
  #510  
 
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Originally Posted by ayya View Post
I don't see you targetting AMEX. AMEX has Biz gold for 75k MR points till 3/14.
http://www.flyertalk.com/forum/miles...ee-waived.html
If i apply for this (and pay the 10k), will i be able to apply for another Amex card on my next churn?

Thank you
arsenalman is offline  

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