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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 Aug 14, 13, 10:13 am
  #1396  
 
Join Date: Jul 2013
Location: Austin, Texas
Posts: 395
Originally Posted by dukerau View Post
Just completed an AOR:

1. Barclays US Airways - still have an open USAir card I opened in Dec 2011. No decision (assume declined)
2. Barclays Arrival - I was only going to apply for this if USAir was declined, my hope being that it would only result in the single inquiry and I can call recon about the Arrival. No decision.
3. SPG Personal - Approved instantly. Already have BCP, BGR (got in Feb)
4. SPG Business - No decision. Expected since I just submitted the SPG Personal app, but I'm hoping for one inquiry from Amex.
5. Chase IHG Club - Approved instantly. Already have Freedom, United, Amazon with Chase.
6. Citi AA Visa - Approved via chat. Already have AA Amex, AA Visa biz with Citi.

Went about as expected. Hopefully I can push the SPG Biz through.

I just got approved for the Barclays US Airways card, how should I wait before applying for the Barclays Arrival?
JWEMTX is offline  
Old Aug 14, 13, 10:18 am
  #1397  
 
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
I would say 6 months and keeping spending on the US Air card.
Originally Posted by JWEMTX View Post
I just got approved for the Barclays US Airways card, how should I wait before applying for the Barclays Arrival?
vodkashine is offline  
Old Aug 14, 13, 10:25 am
  #1398  
 
Join Date: Jul 2013
Location: Austin, Texas
Posts: 395
Originally Posted by vodkashine View Post
I would say 6 months and keeping spending on the US Air card.
I was hoping to do some non-use to trigger the bonuses that some people have gotten. hehe
JWEMTX is offline  
Old Aug 14, 13, 11:00 am
  #1399  
 
Join Date: Aug 2013
Location: Washington, DC
Programs: United, UR, AA, USAirways, AirTran, JetBlue, SPG, Hilton
Posts: 25
Thinking of having a family member do their first AOR or mini-AOR but their credit score (per Credit Karma) is 709. Is this manageable?

Was thinking UA Explorer, Sapphire, and either Citi AA or Barclays US Airways.
ladoo420 is offline  
Old Aug 14, 13, 11:02 am
  #1400  
 
Join Date: Oct 2012
Posts: 33
Originally Posted by ladoo420 View Post
Thinking of having a family member do their first AOR or mini-AOR but their credit score (per Credit Karma) is 709. Is this manageable?

Was thinking UA Explorer, Sapphire, and either Citi AA or Barclays US Airways.
Do they have any credit cards with history on the report? If yes, go for it.
chookshook is offline  
Old Aug 14, 13, 11:27 am
  #1401  
 
Join Date: Oct 2008
Location: DFW
Programs: AA (EXP), HH (Diamond), SPG (Platinum), HGP (Diamond), National Car (Exec Elite)
Posts: 152
Originally Posted by ladoo420 View Post
Thinking of having a family member do their first AOR or mini-AOR but their credit score (per Credit Karma) is 709. Is this manageable?

Was thinking UA Explorer, Sapphire, and either Citi AA or Barclays US Airways.
My CK score is only 694 and I have all those cards and many more. If you have history that you can explain, don't hesitate. Just be prepared to talk about the items that keep your score low.

BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
funtrainsf is offline  
Old Aug 14, 13, 11:29 am
  #1402  
 
Join Date: Jul 2013
Location: Austin, Texas
Posts: 395
Originally Posted by funtrainsf View Post
My CK score is only 694 and I have all those cards and many more. If you have history that you can explain, don't hesitate. Just be prepared to talk about the items that keep your score low.

BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.

Can CK report a higher score than your actual TransUnion? Obviously it can report a lower score such as in your case.
JWEMTX is offline  
Old Aug 14, 13, 11:40 am
  #1403  
 
Join Date: Jul 2011
Location: SEA
Programs: DL DM
Posts: 68
I have done it mid-AOR after Amex and Citi, since they never agree to pull another, to get Chase, Barclays, and BOA to pull others and had success.

For Amex I have had them come back days later on the 2nd card and insist on the pin to access Experian.

Freezing after the fact should not impact anything that already happened.
RapidTravelChai is offline  
Old Aug 14, 13, 12:35 pm
  #1404  
 
Join Date: Oct 2008
Location: DFW
Programs: AA (EXP), HH (Diamond), SPG (Platinum), HGP (Diamond), National Car (Exec Elite)
Posts: 152
Originally Posted by JWEMTX View Post
Can CK report a higher score than your actual TransUnion? Obviously it can report a lower score such as in your case.
I would say it's possible since no one really knows how either calculates the score. I just wouldn't put any value on the score. I would spend the about $10 per bureau to get my official score if it that concerning. The money you spend on the score will wash away quickly with all the benefits you get from the cc's you get.

Keep in mind, if you are trying to build your score up for home purchasing, then this is all a moot point. If you don't see any of that in your near future, fire away and take your way out of pending approval and declines. It's pretty easy.
funtrainsf is offline  
Old Aug 14, 13, 12:52 pm
  #1405  
 
Join Date: Jul 2013
Location: Austin, Texas
Posts: 395
Thankfully, we bought our house last year and don't plan for any big purchases anytime soon.
JWEMTX is offline  
Old Aug 14, 13, 2:17 pm
  #1406  
 
Join Date: Jul 2013
Location: Austin, Texas
Posts: 395
I bet that'll be a fun trip
JWEMTX is offline  
Old Aug 14, 13, 2:52 pm
  #1407  
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Join Date: Feb 2005
Location: Valley of the Sun
Programs: AA PLT, SPG PLT, IHG AMB PLT,
Posts: 10,677
Originally Posted by funtrainsf View Post
My CK score is only 694 and I have all those cards and many more. If you have history that you can explain, don't hesitate. Just be prepared to talk about the items that keep your score low.

BTW: The CK score is useless really. My actual TransUnion (which is what CK looks at) is well above 700 and my Experian (what Credit Sesame looks at) is way above 700 too. CK is only good to track what you have financially and for alerts. The score is useless. Pay some money and get your actual scores from the various bureaus is you are concerned.
Go to Myfico.com its really the only place to get your real scores, I ditched CS and CK for the lack of giving my accurate information, and in this hobby that is what you need in front of you.
FlightNurse is offline  
Old Aug 14, 13, 4:59 pm
  #1408  
 
Join Date: Aug 2013
Posts: 160
Hi all,

This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.

Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex

Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex

9 Days Later: We both apply for Citi Aadvantage again

Three months later:

Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa

I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
sfmom is offline  
Old Aug 14, 13, 5:13 pm
  #1409  
 
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,027
Originally Posted by sfmom View Post
Hi all,

This is my first post -- and my first attempt at an AOR. I've tried to do my research so I'll keep it simple. Goal is international premium travel on Star Alliance and OneWorld.

Round 1:
Me: Chase Mileage Explorer (I have 50k offer), Chase Ink Bold, Citi Aadvantage Platinum Visa, Starwood Preferred Guest Amex

Husband: Chase Sapphire Preferred, Chase Ink Bold, Citi Aadvantage Platinum, Starwood Preferred Guest Amex

9 Days Later: We both apply for Citi Aadvantage again

Three months later:

Me: Chase Sapphire Preferred
Husband: Chase MileagePlus Club, CitiBusiness Aadvantage Visa

I can't believe we can/should apply for two Citis in 9 days. Feel a little nervous about that one. All thoughts appreciated!
this is a very good plan for first aor. These are some of the most valuable cards you can get in this hobby. I wish I had done this when I started. I'm assuming you will use the SPG points to transfer to AA to get a decent stash. Qty is just as important as quality of points.

You may want to think about other hotel cards for your 3 mo cycle. Those also depend a lot on the destination you are going.
mintcilantro is offline  
Old Aug 14, 13, 6:38 pm
  #1410  
 
Join Date: Aug 2013
Posts: 160
Thank you! You are correct about SPG. I'm just starting to look at hotel cards - hopefully will be more up to speed on those in a couple of months. There is so much to learn!

Looking forward to pulling the trigger, probably next week. Will post our results if they are revelatory in some way.
sfmom is offline  

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