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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 Jul 18, 13, 1:00 pm
  #1231  
 
Join Date: Sep 2012
Location: Born and raised in South Carolina, now in New York City.
Posts: 534
When you freeze your Experian credit score how does that work? You just call into the credit card company and ask them to pull another credit bureau? What reason do you give? Do they normally do it?
saranyc is offline  
Old Jul 18, 13, 1:05 pm
  #1232  
 
Join Date: Apr 2013
Posts: 64
Make money for credit card churn?

Why doesn't someone start a website where when you apply for credit cards (the best offers available of course) during an apporama, they pay you half (or some percentage) of the commission made from the credit card company. Obviously this would screw over bloggers but would make me a big winner. Imagine pocketing $300-$500 in cash along with the bonuses for a 5-8 card churn. Would the banks not allow this?
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Old Jul 18, 13, 1:19 pm
  #1233  
 
Join Date: Jul 2012
Location: LA/SD
Programs: SPG Gold, Hyatt Platinum, HHonors Gold
Posts: 125
I am pretty sure affiliates (bloggers) are not permitted to disclose the terms of their relationship (how much $$ they earn) and would imagine offering a cut of that commission would also be a violation of those terms. Affiliates would be very averse to upsetting the banks, since it's quite a cash cow for them.

Will the industry eventually get to the point that is an option? Perhaps. I look to sites like Top Cash Back and Big Crumbs and think it may be possible to do what you're suggesting in the future. Of course, if the market were more transparent we might not see the same sign up bonuses or ability to sign up for multiple cards on the consumer end. For now I'm happy with the points/miles I get with the current system.
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Old Jul 18, 13, 1:24 pm
  #1234  
mia
FlyerTalk Evangelist, Moderator: American Express, Citi, Diners Club, Signatures
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Join Date: Jun 2003
Location: Miami & London
Programs: AA & Marriott Perpetual Platinum; HH Gold
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Moderator action

Extensive discussion here:

http://www.flyertalk.com/forum/exter...urself-ft.html
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Old Jul 19, 13, 1:28 am
  #1235  
 
Join Date: Jun 2013
Posts: 194
Originally Posted by mintcilantro View Post
I think your payment gets reported and if your balance is zero the bank could draw a conclusion. I saw this in a recent credit report
Correct. A statement balance is proof of use, thus proof of credit history. If you have a bunch of $0's then they could possibly conclude that its not something you're using.

I even had a reconsideration agent chastise me for paying off my statements early.
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Old Jul 19, 13, 9:03 am
  #1236  
 
Join Date: Sep 2009
Location: RNO
Posts: 361
Originally Posted by PainCorp View Post
For Blue? I just converted my really old BlueSky.

As for difference, didn't know there was a Business Blue.
I'm interested in doing the same thing (convert from Blue Sky to Blue). Does this involve a pull? I assume this can't be done online and I'll have to call.

I'm a bit surprised more people haven't discussed this card as part of an overall MR strategy.
EricTheNerd is offline  
Old Jul 19, 13, 10:51 am
  #1237  
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Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,886
Originally Posted by EricTheNerd View Post
I'm interested in doing the same thing (convert from Blue Sky to Blue). Does this involve a pull? I assume this can't be done online and I'll have to call.

I'm a bit surprised more people haven't discussed this card as part of an overall MR strategy.
No pull, credit limit and everything else stays the same. But as with any card issuer, they can pull credit just to check in on you.

It's an decent idea, you just cant transfer them until you get a rewards card like the PRG or BRG, so it can be a big timing thing. You would most likely miss any transfer bonuses that weren't multiple weeks.
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Old Jul 19, 13, 10:56 am
  #1238  
mia
FlyerTalk Evangelist, Moderator: American Express, Citi, Diners Club, Signatures
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Originally Posted by jatink129 View Post
P.P.S- I couldn't see any difference between the biz and personal blue. Is there?
Yes. Blue for Business has an annual bonus:

30% more points each year, based on the past year’s eligible purchases on the Blue for Business Credit Card
Discussion here:

http://www.flyertalk.com/forum/ameri...iness-usa.html
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Old Jul 19, 13, 5:03 pm
  #1239  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
Originally Posted by mia View Post
Yes. Blue for Business has an annual bonus:



Discussion here:

http://www.flyertalk.com/forum/ameri...iness-usa.html
Thanks Mia.
I now know which one I'll be getting.
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Old Jul 21, 13, 12:58 am
  #1240  
Used to be ' simz '
 
Join Date: Jan 2012
Location: Kolkata, India
Programs: Does it matter..??? It doesn't matter to them
Posts: 1,062
I am wondering, we all do the A-o-R's on a particular day and get the best offer's that are available on that particular day.. but if a very cool offer comes by, say 4 weeks after your AoR, then there is no way to get it without getting another hit on your credit score and resetting your next AoR date by that many days.. or am I missing something..

btw- my humble attempt at writing a blog is on.. latest post is out.. please do visit.. link in signature..
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Old Jul 21, 13, 10:32 am
  #1241  
 
Join Date: May 2009
Location: DFW
Programs: AAdvantage Platinum, Hilton HHonors Gold
Posts: 2,828
Apply or wait?

I have been denied a Ink Bold in early April due to short history with Chase and 3 cards obtained within 8 months. The same day I got approved for the AMEX Gold Biz but denied for the Starwood Biz. My plan was to wait until early November and apply for the Ink Bold/Plus then plus one-two more cards. But now there is that tempting churning opportunity with Citi's AA card. Should I just wait or do you think 1 extra card now wouldn't hinder my Ink chances? My credit score is >700.

thanks!
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Old Jul 21, 13, 1:48 pm
  #1242  
 
Join Date: Nov 2009
Posts: 925
Hey, guys I already have 3 apps planned for Citi, Chase and AMEX, and I'm looking for a decent 4th app from another credit card. By decent, there needs to be at least 40k pts / 40k miles / $400.

I'm thinking of BoA, as I don't have any BoA cards, except for the Virgin Atlantic AMEX which I closed a few months back. I couldn't find any cards from BoA that has a high enough signup bonus. I was going to do the Hawaiian Airlines card 35k miles = 70k Hilton points, but that has disappeared too...

Did I miss any BoA cards out this round? Damn signup bonuses are getting worse every year!!!

EDIT: I'm also open to any cards with high signup bonus, but they can't be from Citi/Chase/AMEX (since I already am applying one card each) and Barclays/USBank (stingy issuers and I don't want to waste a hard pull).

Last edited by Rommie2k6; Jul 21, 13 at 1:58 pm
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Old Jul 21, 13, 1:54 pm
  #1243  
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Originally Posted by Rommie2k6 View Post
Hey, guys I already have 3 apps planned for Citi, Chase and AMEX, and I'm looking for a decent 4th app from another credit card. By decent, there needs to be at least 40k pts / 40k miles / $400.

I'm thinking of BoA, as I don't have any BoA cards, except for the Virgin Atlantic AMEX which I closed a few months back. I couldn't find any cards from BoA that has a high enough signup bonus. I was going to do the Hawaiian Airlines card 35k miles = 70k Hilton points, but that has disappeared too...

Did I miss any BoA cards out this round? Damn signup bonuses are getting worse every year!!!
Have you ruled out Barclays? I think the BoA HA Business card is still around, and there's always the AS card if you have your heart set on a BOA card.
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Old Jul 21, 13, 1:56 pm
  #1244  
 
Join Date: Nov 2009
Posts: 925
Originally Posted by PainCorp View Post
Have you ruled out Barclays?
Yes, I am giving Barclays and US Bank too a wide berth until 12mth from my last app. I got denied in my last AoR with Barclays and I don't want to waste a hard pull on them.

What's the AS card, is it Alaskan Airlines?
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Old Jul 21, 13, 1:57 pm
  #1245  
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Originally Posted by Rommie2k6 View Post
Yes, I am giving Barclays and US Bank too a wide berth until 12mth from my last app. I got denied in my last AoR with Barclays and I don't want to waste a hard pull on them.
Completely understandable. I'm only considering them right now since they seem to be the only one that doesn't pull EX for me.
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